Tucked on the corner of Toy Slatten Road and Cedar Creek Road in Sparta, Tennessee, this brick ranch home offers a rare combination for today’s market: a move-in ready single-level layout paired with nearly 8 acres of mostly cleared, gently rolling land. Listed at 264,900 dollars, the price was just cut by 14,100 dollars, and the home is expected to sell faster than 94 percent of nearby listings.
Property Snapshot
Built in 1978, this ranch-style home offers 3 bedrooms and 2 full bathrooms across 1,824 square feet, priced at roughly 145 dollars per square foot. The 7.76-acre lot combines slightly rolling terrain with mostly cleared land, giving buyers both usable open space and room to spread out. Construction is solid brick, and the property includes a full basement, central heating and cooling, and a 3-car side-facing garage.
Annual property taxes run 1,232 dollars, with a 2025 tax assessment of 87,350 dollars, and Zillow estimates a monthly payment of around 1,594 dollars. There is no HOA. Water comes from a public system, with a septic tank handling sewer.
What’s Inside
The kitchen comes equipped with a gas range, dishwasher, and microwave, all included in the sale. Flooring throughout the home mixes wood, laminate, and tile, giving each room a distinct feel while keeping maintenance manageable. With everything on one level and a full basement below for storage or future finishing, the layout suits buyers looking for single-story living without sacrificing square footage.
The Land Is the Draw
At just under 8 acres, this property strikes a practical middle ground, more land than a typical suburban lot, but still manageable for a buyer who isn’t looking to take on a full working farm. The lot includes a pond and a barn structure, opening up possibilities for small livestock, storage, a workshop, or simply enjoying wide open space. The mostly cleared, gently rolling terrain also makes the land easier to use right away, whether for gardening, recreation, or future outbuildings.
Sparta sits close to some of Tennessee’s most scenic natural attractions, including Burgess Falls and Fall Creek Falls, making this an appealing base for buyers who want rural acreage within reach of hiking, waterfalls, and outdoor recreation.
Financing Options to Consider
With a purchase price under 300,000 dollars and a well-maintained brick home already in place, several financing paths are worth discussing with a lender.
A conventional loan is a strong fit here given the home’s condition and age, with typical down payment requirements depending on the buyer’s credit profile and financial situation.
An FHA loan may also work well for owner-occupant buyers, particularly first-time buyers, since the home appears to be in solid, livable condition with central heating and cooling already in place.
A USDA loan is worth checking into as well, since Sparta and the surrounding White County area often qualify as eligible rural zones, potentially allowing qualified buyers to purchase with zero down payment.
A VA loan may also be possible for eligible veterans, active-duty service members, or surviving spouses, offering competitive terms with little to no down payment required.
Cash offers are common on properties like this too, especially among buyers drawn to the land itself as much as the house.
Insurance Considerations
Insuring a brick home built in 1978 is typically more straightforward than insuring a much older farmhouse, since brick construction tends to be viewed favorably by insurers for durability and fire resistance. Buyers should still confirm the age and condition of the roof, electrical, and plumbing systems when requesting quotes. Because the property includes a pond and a barn, it is worth asking an insurance agent whether either feature affects liability coverage or requires an additional rider, particularly if the buyer plans to keep animals or store equipment in the barn.
Due Diligence Checklist for Buyers
Buyers interested in this property should plan for a full home inspection covering the roof, HVAC system, electrical, and plumbing, along with a close look at the basement for any signs of past moisture issues. Since the home relies on a septic system, a septic inspection is important to confirm it is functioning properly and sized appropriately for the home. Buyers should also have the pond and barn evaluated for condition and any needed repairs, and should confirm the exact boundary lines for the 7.76-acre lot, ideally with a survey, especially given the property sits on a corner lot at the intersection of two roads. Finally, a title search and review of the property tax history is recommended before closing.
The Sparta, TN Market
Sparta is the county seat of White County, located on Tennessee’s Cumberland Plateau and known for its access to waterfalls, state parks, and outdoor recreation. The area continues to attract buyers looking for affordable acreage within driving distance of both natural attractions and larger nearby cities. With a recent price reduction and strong projected time-to-sale, this property is positioned to move quickly in a market where buyers are actively competing for well-priced homes with land.
Final Thoughts
1337 Toy Slatten Rd offers a practical, move-in ready option for buyers who want space without the commitment of a major renovation project. A solid brick ranch, nearly 8 acres of usable land, a pond, and a barn, all at a freshly reduced price, make this one worth scheduling a showing for soon.
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