For sale Home

Listed Aug 7, 2026

$1,099,000 Est. $7,269/mo

227 Phillips Drive

  • 3

    Beds

  • 3

    Baths

  • 3,297

    Sq ft

The story

  • Basement

Motivated seller is looking for a buyer to enjoy the SUNRISE VIEWS AND SILENT MOONLIT NIGHTS of their BRICK home with YEAR ROUND DEEP WATER! Updated Kitchen Coming soon! With new stainless steel appliances and GRANIT COUNTER TOPS! The home offers the convenience of main-level living, this well-maintained 3,200-square-foot residence perfectly balances luxury, durability, and practical design. The property is nestled within Bella Mara, a highly desirable and established lakefront community. Situated on a prime lot featuring year-round deep water, the home offers a short, gentle slope to the shoreline. You will enjoy peace and panoramic sunrise views over a protected TVA Nature Preserve. Located just off the main channel, you are only a short boat ride away from six nearby marinas and because the home is safely tucked inside a protected cove, you will remain shielded from disruptive boat wakes. Furthermore, with TVA property directly across the water, no neighboring lights will distract from your nighttime views of the moon sparkling on the lake. The thoughtfully designed main floor centers around a spacious living room anchored by a Stone propane gas fireplace, with a formal dining room perfect for entertaining. Natural light floods the kitchen, maximizing the expansive water views. Home chefs will appreciate the abundant countertop space, plentiful cabinetry, and a separate pantry built to handle large family gatherings. The main-floor primary suite serves as a private retreat, complete with two walk-in closets. When sitting in the screened porch you feel like you can reach out and touch the water. The finished, walk-out lower level serves as ideal guest quarters or a secondary living space. It hosts a large family room with its own stone gas fireplace, two additional large bedrooms, and a full bathroom. An expansive unfinished area provides an abundance of storage space for seasonal decor and water toys. Step outside onto a sprawling patio that frames gorgeous, wide-open views of the water. Premium waterfront amenities include a gentle walkway leading down to a masterfully engineered, two-slip dock. Both boat slips come equipped with lifts, configured for a pontoon and the other for a V-hull. A water pump is utilized for lawn irrigation. The home is built to last with 2x6 construction, featuring high-end Marvin casement windows, Andersen patio doors, and wide 36-inch doorways for enhanced accessibility. These Capital Improvements offer total peace of mind, including a new GENERAC GENERATOR, the NEW ROOF in 2021, an HVAC system updated in 2018, newly installed TREX decking, new wire railing on the upper deck, a freshly stained dock and a recently pumped septic system. Bella Mara has a TVA Boat Ramp that is less than a mile from this home making it convenient to launch your watercraft! There is too much to mention so make your appointment today for your private showing and enjoy the 2026 lake season! Buyer to verify all pertinent information.

Facts & features

Home type

Home

Year built

1999

Price per sq ft

$333

Parking

2-car garage

Included features

  • Fireplace

    2 fireplaces

  • Basement

    Yes

  • Cooling

    Central Cooling

  • Heating

    Central, Forced Air, Heat Pump, Propane

  • Appliances

    Dishwasher, Microwave, Range, Refrigerator, Self Cleaning Oven

  • Flooring

    Carpet, Hardwood, Tile

  • Lot Information

    Lake/Water Access, Waterfront, Rolling Slope

  • Exterior

    Irrigation System, Balcony, Dock

  • Water Source

    Public

  • Sewer

    Septic Tank

  • View

    Mountain

Mortgage calculator

Estimated monthly payment

$7,269 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $5,849
  • Property tax $1,099
  • Insurance $321

Includes principal, interest, taxes & insurance.

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Listing Broker

Blue Key Properties

Broker Name

Blue Key Properties

Agent

Lee K Franz