Houses
This Renovated 1949 Cottage on 15.9 Acres in Bristol, TN Has Mountain Views and Two Pole Barns — Listed at $649,900
At 634 Denton Valley Rd in Bristol, Tennessee, a 1949 house on 15.9 acres is listed at $649,900. Zillow’s facts show 4 bedrooms, 3 bathrooms (2 full, 1 half) and 2,257 square feet of livable area. Zillow also reports 4,082 square feet of total structure area. The style is listed as Barndominium, Cottage, and the copy markets a “completely renovated,” “move-in ready” cottage.
The listing was For sale when checked on Nov. 14, 2026. Zillow showed 15,195 views and 483 saves after 1 day — interest figures, nothing more. The date on market is Nov. 13, 2026, when the price-history table shows it listed at $649,900 under TVRMLS #10003264. A Zestimate was not available. Facts & Features say there is no HOA.
Quick Look: The Listing Details
| Address | 634 Denton Valley Rd, Bristol, TN 37620 |
| List price | $649,900 |
| Status | For sale |
| Year built / style | 1949; Barndominium, Cottage, per Zillow |
| Bedrooms / bathrooms | 4 bedrooms, 3 bathrooms (2 full, 1 half) |
| Livable area | 2,257 sq ft (Zillow also shows 4,082 sq ft total structure area) |
| Lot | 15.9 acres |
| Heat / cooling | Heat pump, per the listing |
| Water / sewer | Public water and a septic tank, per the listing |
| Parking / barns | Attached garage (see garage note below); two pole barns, about 40×50 and 26×36, per the listing |
| HOA | No, per Facts & Features |
| Zestimate | Not available when checked |
| Taxes shown | Public tax history unavailable; Zillow payment estimate $468/month (see tax section) |
A Renovated 1949 Cottage
The listing describes a complete transformation: a new roof, new siding, updated electrical and plumbing, a newly constructed attached garage, a brand-new kitchen and an open floor plan. “Move-in ready” is marketing language, not a substitute for a home or septic inspection.
Inside, the copy highlights hardwood floors, shiplap ceilings, a floor-to-ceiling stone fireplace and an open layout. The kitchen is described as having solid-wood cabinetry, granite counters, stainless appliances, an oversized island and a pantry.
The primary suite is described as privately positioned on the main level, with a walk-in closet and an ensuite that has dual vanities, a tile shower and a soaking tub. Upstairs, the listing places two more bedrooms, a full bathroom and a bonus room. The copy also points to an unfinished area above the garage of about 800–900 square feet and an unfinished basement, which is not finished living area.
The listing calls out a covered front porch and a timber-framed back patio. There is a garage-capacity discrepancy: the copy says the attached garage is over 1,100 square feet with room for up to four vehicles, while Facts & Features report two attached garage spaces. Confirm the building and the square footage on site.
15.9 Acres, Barns and Mountain Views
The land is listed at 15.9 acres and marketed as “15+ unrestricted acres” with rolling pasture, mature trees, mountain views and pasture fencing. The copy also advertises two large pole barns of about 40×50 and 26×36 feet. “Unrestricted” is a listing claim. Confirm zoning, easements and access in the title work.
The listing says the property is zoned A-1, is enrolled in Greenbelt, is “located in the county with no city taxes,” and comes with “NO RESTRICTIONS.” Greenbelt is Tennessee’s use-value program for qualifying land; a change in use can have tax consequences, including possible rollback taxes. We are not confirming enrollment or the absence of city taxes or deed restrictions. Ask the assessor and your attorney.
Location and Cost of Living Around Bristol
The address is Bristol, TN 37620, in Northeast Tennessee. The listing places the acreage a short drive from South Holston Lake and Damascus. The assigned schools on Zillow are more than 12 miles away.
Cost-of-living indexes for Bristol, Sullivan County and the Tri-Cities area do not all tell the same story, and we are not picking a single number as fact. Tennessee has no tax on wage income, but local taxes, utilities and acreage costs still belong in a budget. Use current figures.
Estimated Monthly Mortgage Payment (Illustration Only)
This is an illustration, not a quote. We used a purchase price of $649,900; a conventional 20% down payment of $129,980; a loan of $519,920; a 30-year fixed term; and an example rate of 7.11% — the Freddie Mac Primary Mortgage Market Survey average for the week of Nov. 12, 2026, for conventional conforming loans with 20% down. Do not treat 7.11% as an offer.
What that example comes to
Under those assumptions, principal and interest would be about $3,498 a month. Zillow’s payment estimate shows property taxes of $468 a month — a Zillow estimate, not a verified tax bill, and public tax history was unavailable. If you add that estimate, a rough principal-interest-and-tax sketch would be about $3,966 a month, still before insurance, septic or utilities.
Financing Options: Conventional, FHA, USDA and VA
A $519,920 loan would sit under the 2026 FHFA baseline conforming limit of $832,750 for a one-unit home, so loan size alone is not the obstacle. Acreage, outbuildings, a septic system and a mini-farm marketing pitch can still affect underwriting and appraisal.
FHA loans
FHA-insured loans can allow a down payment as low as 3.5% for eligible borrowers, plus mortgage insurance and FHA minimum property standards. A 15.9-acre tract with barns, pitched as a mini-farm, can raise questions about income-producing use. We are not saying this address qualifies.
USDA rural loans
USDA Section 502 guaranteed loans can offer 100% financing in eligible rural areas, with income limits and property rules. Check the current USDA map and a lender. Do not assume this acreage qualifies.
VA loans
Eligible veterans, service members and some surviving spouses may use a VA loan, often with no down payment, subject to occupancy and minimum property requirements. Septic, outbuildings and unfinished areas still have to be reviewed.
Homeowners Insurance on a Rural Acreage Property
A 1949 house that has been renovated, plus two pole barns, a large garage, a metal roof, a heat pump, a fireplace, a septic system and nearly 16 acres, is a different insurance file from a subdivision home. Carriers will want the age of the roof, electrical service and plumbing — the listing says those were updated — and may underwrite outbuildings separately. We are not publishing a premium. Get written quotes before you rely on a payment sketch.
Property Taxes in Tennessee
Tennessee relies on local property taxes. There is no single statewide rate, and the “no city taxes” claim should be verified against the actual jurisdiction. A Greenbelt enrollment, if current, can lower the land’s assessed value while it remains in a qualifying use; a change in use can trigger additional tax.
Zillow’s public tax history for this address was unavailable when checked, and we are not inventing an assessed value or an annual tax amount. The only tax figure on the listing is Zillow’s payment estimate of $468 a month, which would annualize to about $5,616 if it were accurate. Confirm the assessment and Greenbelt status with the Sullivan County assessor.
Schools Shown on the Listing
Zillow, citing GreatSchools, shows Emmett Elementary School (PK–5, 12.8 miles, 4/10), Sullivan East Middle School (6–8, 18.4 miles, 4/10) and Sullivan East High School (9–12, 18.1 miles, 5/10). Ratings and zones change. Confirm with the district.
Things to Verify
- The renovation claims: roof, siding, electrical, plumbing, kitchen and the new garage, including permits
- Livable 2,257 sq ft versus 4,082 sq ft total structure area, plus the unfinished basement and space above the garage
- The garage discrepancy: “over 1,100 sq ft” and up to four vehicles in the copy, versus two attached spaces in Facts & Features
- Lot lines on 15.9 acres, the two pole barns, fencing, access and any easements
- A-1 zoning, Greenbelt enrollment, the “no restrictions” and “no city taxes” claims, and septic status
- Insurance quotes, loan eligibility, and that there is in fact no HOA, as Facts & Features state
The Bottom Line
At $649,900, 634 Denton Valley Rd is listed as a renovated 1949 cottage of 2,257 livable square feet, with four bedrooms, 2.5 baths, a new kitchen and a stone fireplace, on 15.9 acres with mountain views and two pole barns. For a buyer who wants acreage and a finished house in Northeast Tennessee, it is worth a careful look — after the renovations, taxes, insurance and any loan path are confirmed in writing.
Frequently Asked Questions
What is the asking price?
The ask was $649,900 when checked on Nov. 14, 2026, listed Nov. 13 under TVRMLS #10003264. Confirm with the agent.
What would the monthly payment be?
A labeled illustration using 20% down, a $519,920 30-year loan and a 7.11% Freddie Mac average from the week of Nov. 12, 2026, comes to about $3,498 a month in principal and interest. Zillow’s $468 tax estimate is not a verified bill. That is not a quote.
How much are the property taxes?
Public tax history was unavailable. Zillow’s payment estimate shows $468 a month. Confirm the assessment and Greenbelt status with the county. We are not treating $468 as a bill.
Can I use FHA, USDA or VA financing?
Those programs may be possible if you and the property meet the rules, but a 15.9-acre mini-farm listing can raise extra questions. Check with a lender. We are not saying this address qualifies.
See the full listing, all photos and the latest status on Zillow: https://www.zillow.com/homedetails/634-Denton-Valley-Rd-Bristol-TN-37620/466609069_zpid/
Listing courtesy of Garrett Addington, The Addington Agency Bristol, as shown on Zillow. Source: TVRMLS, MLS #10003264. Photos via the listing on Zillow; all rights belong to their owners.
Disclaimer: All property details, prices, measurements and photos in this article come from the public listing on Zillow at the time of writing and may change at any time. This article is for informational purposes only and is not affiliated with the seller or listing agent. Verify all information with the listing agent and through your own inspection, survey and research before making any decision.
