A 2006 cabin with a loft on 5.1 unrestricted acres in Deer Lodge, Tennessee, with mountain and creek views, a 30×40 barn, an insulated outbuilding, and both well and city water, listed at $124,999.
Mountain views. A creek. More than five acres with no restrictions.
And a cabin, a barn, and a workshop already standing on the land.
This property at 348 Scott Wyatt Rd in Deer Lodge, Tennessee, offers a cabin with a loft, a 30 by 40 barn, and an insulated and wired outbuilding, all on 5.1 unrestricted acres with mountain and creek views.
Both well water and city water are already on site, which is a rare advantage for rural land.
The listing also comes with a long list of seller and lender programs, from rate buydowns to a buy-back guarantee.
Below, we walk through every part of this property, explain those programs, and cover the questions any buyer should ask before making an offer.
Property Overview
- Address: 348 Scott Wyatt Rd, Deer Lodge, TN 37726
- List price: $124,999
- Bedrooms: 1
- Bathrooms: 1
- Living area: 792 square feet
- Year built: 2006
- Lot size: 5.1 acres, unrestricted
- Views: mountain and creek views
- Structures: cabin with loft, 30×40 barn, insulated and wired outbuilding
- Water: both well water and city water on site
- Extras: certified pre-owned program, warranty options, and buyer incentives for qualifying buyers
The Location: Deer Lodge, Tennessee
Deer Lodge is a small rural community in Morgan County, on the Cumberland Plateau of East Tennessee.
The area is known for its quiet countryside, forests, and outdoor recreation. It appeals to buyers looking for land, privacy, and a slower pace of life.
Larger towns and cities in East Tennessee are within driving distance for shopping, healthcare, and work, though buyers should check exact drive times based on their own needs.
Unrestricted Acreage
The listing describes the 5.1 acres as unrestricted.
That usually means there are no HOA rules or deed restrictions limiting how the land can be used. Buyers may have more freedom to keep animals, build additional structures, park an RV, or place a different type of home.
Even so, county zoning, building codes, and health department rules still apply. Buyers should confirm exactly what is allowed before making plans.
The Mountain Views
The property offers mountain views.
Views like these change with every season and are one of the main reasons buyers are drawn to East Tennessee land.
Ask which parts of the property have the best views, especially if you are considering building a larger home in the future.
The Creek
A creek runs on or along the property.
Creeks add beauty and the peaceful sound of running water. They also attract wildlife and can be a favorite spot for kids and pets.
Buyers should check FEMA flood maps for any areas near the creek and ask whether the creek has ever flooded. Building near water may be restricted.
The Cabin
The cabin was built in 2006 and offers 792 square feet, with one bedroom, one bathroom, and a loft.
The loft adds extra space for sleeping, storage, a reading area, or a small office. It can effectively turn a one-bedroom cabin into a place where guests can stay.
A cabin this size is ideal as a weekend retreat, a starter home, a hunting cabin, or a place to live while building a larger home on the property.
The listing does not detail the kitchen, heating, or finishes. Buyers should ask about each during a showing.
The 30×40 Barn
A 30 by 40 barn conveys with the property.
That is 1,200 square feet of space, enough for equipment, vehicles, hay, animals, or a large workshop.
Ask about the barn’s construction, roof condition, doors, and whether it has electricity or water.
The Insulated Outbuilding
An additional outbuilding is insulated and wired.
Insulation and electricity make it usable year-round. The listing suggests it would work as a workshop or storage. Other options include a home office, studio, gym, or craft room.
Well and City Water
The property has both well water and city water on site.
That is unusual and valuable. City water provides reliable service, while a well can supply water for gardens, livestock, or backup use.
Buyers should have the well water tested and ask about the well’s depth, pump age, and flow rate.
Sewage
The listing does not mention whether the cabin uses a septic system.
On rural land, septic is most likely. Ask for records, the system’s age, and the date it was last pumped. A septic inspection is wise, especially if you plan to build a larger home later, since the system may need to be expanded.
Electricity and Internet
Ask about the electrical service to the cabin and outbuildings.
Also check internet options. Rural areas can have limited service, though satellite and fixed wireless providers are increasingly available.
Understanding the Certified Pre-Owned Program
The listing describes this as a Certified Pre-Owned Home, with several benefits for qualifying buyers.
According to the listing, these include:
- A home warranty that can be negotiated and purchased at closing
- A buy-back guarantee for up to 24 months, valued at up to $16,000
- A $100 credit toward an inspection when using preferred inspectors
- A $2,500 buyer credit for qualifying buyers using the preferred lender
- A free appraisal for qualifying buyers using the preferred lender
- Up to 1 percent of the purchase price toward a rate buydown
- Zero-down programs for those who qualify
The listing also says the seller’s team offers a program to buy a buyer’s current home, so they do not have to own two homes at once.
How to Think About These Programs
Incentives like these can be helpful, but buyers should read every term carefully.
The listing notes that these programs are for qualifying buyers using the preferred lender, and they must be included in the buyer’s offer.
Here are a few tips:
- Get the full written terms of the buy-back guarantee before relying on it.
- Compare the preferred lender’s rates and fees with at least one or two other lenders. A credit is only valuable if the overall loan is competitive.
- Understand how a rate buydown works. It pays to lower your interest rate, either temporarily or permanently, so ask which type is offered.
- Use an independent inspector if you prefer, even if it means giving up the small inspection credit.
- Read the home warranty contract to see what is covered and what is excluded.
Financing Options
The listing mentions zero-down programs for those who qualify.
USDA loans offer zero down payment for eligible rural properties and buyers within income limits. Deer Lodge is a rural area that may well qualify, but buyers should check the address on the USDA eligibility map.
VA loans allow eligible veterans and service members to buy with no down payment.
FHA loans offer low down payments with flexible credit guidelines.
Conventional loans are available for well-qualified buyers, often with as little as three to five percent down for primary residences.
Lenders will look at the cabin’s condition and size, and may have requirements for well water testing and septic inspections. A home on acreage with several outbuildings can also make appraisals more complex.
Insurance Considerations
Rural properties can have higher insurance costs because of distance to fire stations and hydrants.
Ask insurers about coverage for the barn and outbuilding, and whether any part of the property near the creek is in a flood zone.
Roof and Structure
The listing does not mention the roof’s age on the cabin or outbuildings.
For a 2006 cabin, the roof may be near or past the end of its typical lifespan, depending on the material. Ask for the age and condition of each roof.
The inspector should also check the cabin’s foundation, framing, and any signs of moisture.
HVAC
The heating and cooling system is not described.
Ask what type of system the cabin uses, its age, and service history. Small cabins are often heated with heat pumps, propane, or wood stoves.
Who This Property Is For
This property suits several kinds of buyers.
First-time buyers get an affordable cabin with land.
Homesteaders get unrestricted acreage, a barn, and water options.
Hobbyists get an insulated workshop.
Weekend escapers get a cabin with mountain and creek views.
Future builders get a place to live while planning a larger home.
Owner-Occupant Potential
As a primary residence, the cabin offers simple, low-cost living on a beautiful piece of land.
It may be best suited for a single person or couple, although the loft adds flexibility.
Rental Potential
A cabin with mountain and creek views could attract vacation renters seeking a quiet getaway.
Buyers should check county rules on short-term rentals and factor in insurance and management costs.
Possible Future Improvements
- Building a larger home elsewhere on the acreage
- Adding a covered porch or deck facing the mountain views
- Converting part of the barn for animals
- Planting a garden or small orchard
- Adding solar panels to the outbuildings
- Creating walking trails down to the creek
- Adding fencing for livestock or pets
Questions to Ask Before Making an Offer
- What does unrestricted mean for this specific property?
- Is any part of the property in a flood zone?
- Does the cabin use a septic system, and when was it last pumped?
- How deep is the well, and has the water been tested?
- How old are the roofs on all structures?
- What type of heating and cooling does the cabin have?
- Does the barn have power or water?
- What are the full written terms of the buy-back guarantee?
- How do the preferred lender’s rates compare with other lenders?
- What are the property taxes?
Inspection Is Essential
Even with a warranty and guarantee, an inspection is essential.
Buyers should inspect the cabin, barn, and outbuilding, test the well water, and inspect the septic system. A survey is also wise to confirm boundaries and the creek’s location.
The Price in Context
At $124,999, the property includes 5.1 acres, a cabin, a barn, and an insulated outbuilding, along with both well and city water.
That works out to roughly $24,500 per acre, including all structures.
Buyers should compare it with recent sales of small acreage properties with structures in Morgan County and nearby areas.
Final Thoughts
This Deer Lodge property packs a lot into a modest price.
More than five unrestricted acres, mountain and creek views, a cabin with a loft, a large barn, an insulated workshop, and both well and city water.
Review the incentive programs carefully, inspect the property, and check the water and septic. If everything checks out, this could be the perfect start to a quiet life in the country.
Would you live here?
View the full listing on Zillow: 348 Scott Wyatt Rd, Deer Lodge, TN 37726
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