USLakeFront Lake survey & intelligence

$1,035,000

4258 Cove Rd, Smithville, TN 27574

Sample listing
5
Bedrooms
3
Bathrooms
2,850
Square feet
420 ft
Shoreline
$2,464
Per shoreline ft

Log home on a protected cove on Center Hill Lake. Roughly 420 feet of owned shoreline on 0.26 acres, with 5 bedrooms across 2,850 square feet. Crib dock with lift. Water clarity on Center Hill Lake averages around 18 feet and the lake is classified managed for water level. Dock and shoreline work fall under USACE Nashville District. This is a sample listing used to demonstrate the platform.

Features

Vaulted ceilingsBoat liftRiprap shorelineGuest quartersCovered slip

Property facts

Property typeCondo Year built2022 Lot size0.26 acres DockCrib dock with lift Water depth at dock7 ft ExposureWest-facing ViewMain channel Annual taxes$13,410 HOA$0/mo Short-term rentalVerify locally Listed2026-08-05
$8,885
All-in monthly
$235,090
Cash to close
$23,422
Costs beyond the obvious

Up front

Down payment$207,000
Closing costs (est. 2.4%)$24,840
Septic inspection & pump$850
Water quality testing$400
Waterfront home inspection$800
Survey (shoreline frontage)$1,200
Total$235,090

Every year

Principal & interest$65,439
Property taxes$13,410
Hazard insurance$4,347
Flood insurance$3,240
Utilities$3,848
Maintenance reserve (1.1%)$11,385
Septic service$520
Well & water testing$260
Dock maintenance$900
Winterization / seasonal close$750
Shoreline / seawall reserve$2,520
Total$106,618
Adjust these assumptions →
$2,464
This home / shoreline ft
$7,225
Lake average
$363
Per square foot
Well below the lake average — this property prices at $2,464 per shoreline foot against a lake average near $7,225, a difference of -66%. Shoreline frontage is the metric that drives waterfront value, and it is almost never published.
Open the analyzer →
Modeled from the lake's estimated nightly rate and occupancy. Confirm local short-term rental rules before you rely on this.
Booked nights / year126 Gross revenue$52,074 Lodging tax−$5,728 Management−$9,269 Cleaning & supplies−$13,489 Net operating income$23,587 Against annual carry$-83,031
Model your own →
5.9
Lake score
B
Water grade
25 ft
Drawdown
Level stabilityManaged Typical clarity18 ft Dock authorityUSACE Nashville District
Full Center Hill Lake report →
Comparable

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