At Home in Knoxville

You’ll find our blog to be a wealth of information, covering everything from local market statistics and home values to community happenings. That’s because we care about the community and want to help you find your place in it. Please reach out if you have any questions at all. We’d love to talk with you!

July 19, 2020

Guide to Buying a Home in Knoxville With a Basement

The Complete Guide to Buying a House With a Basement in Knoxville

If you’re like many people considering buying a home with a basement, you have questions – including whether the basement can be included in a home’s square footage, whether a seller can count a finished basement in square footage, and how to even calculate the square footage of a basement. This guide to buying a home with a basement will get you started – and if you don’t see your question answered here, feel free to call me at 865-368-5150 to ask!

Guide to Buying a Home With a Basement

Buying a home with a basement is a great choice for many people, whether or not it’s finished – it can be the perfect place to settle in and put down roots. However, if you’re like many people, you need to know:

  • When can a basement be included in square footage?
  • What is included in the square footage of a house?
  • What if the house I want doesn’t make the appraisal because of the basement?

 

Here’s a closer look at each.

When Can a Basement Be Included in Square Footage?

Usually, even if a basement is completely finished, it can’t be included in a home’s square footage if it’s 100 percent below the ground. However, in many cases, basements with exterior entrances – like walk-outs – can be considered when a seller is calculating square footage.

When you see a home’s square footage listed, there’s a very good chance that it doesn’t include the basement. If you’re not sure, though, talk to your REALTOR®.

For the most part, in order for a basement to be considered part of the living space (and be counted in square footage), it must have:

  • Legal ingress or egress. That means there’s a place for people to come in and out, which may mean a door or window (but it’s usually a door).
  • Conditioned air, like heat or air conditioning. Space heaters don’t count.

 

What is Included in the Square Footage of a House?

For the most part, any space that has walls, flooring, a ceiling and heat will count as finished square footage. That means places in a home such as stairwells, closets, walk-in pantries and storage spaces inside count. However, basements are a different story. The space must be “livable” to be considered part of the home’s square footage; it’s called “gross living area,” or GLA. So if there’s a section where you can’t stand up under the stairs, there’s no window, or there isn’t a heat vent in the room, it doesn’t count toward gross living area.

What if the House I Want Doesn’t Make the Appraisal Because of the Basement?

Sometimes people selling a home count the square footage in the basement as living space in the listing – but the appraiser most likely won’t count it unless it’s a walk-out basement. That means the house may not appraise for as much as the seller is asking, and it can throw a wrench in your plans.

That doesn’t mean that the house or the space under it isn’t valuable. It just means that the seller may not be able to get the price he or she wants for the home – and that you may have a negotiating point. Talk to your REALTOR if this happens to you, because it can mean different things for different people.

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I’ll help you find one that’s perfect for your needs. Call me at 865-368-5150 now and let’s talk!

Posted in Buying a Home
July 10, 2020

How to Write an Offer Letter When You Buy a Home

How to Write a Winning Offer Letter

When you’re buying a home in Knoxville, your REALTOR® might suggest that you write an offer letter. That’s a simple note that you submit with your offer for the home, and it can help sway a seller in your direction – especially if you’re dealing with a little competition from other buyers. But when you write an offer letter, there are a few tricks you need to keep in mind. Here’s how to write a great offer letter that the seller just can’t ignore.

How to Write an Offer Letter When You Buy a Home

Here’s how to write an offer letter when you buy a home:

  • Include what you love about the home
  • Mention why the home is a great fit for your family
  • Avoid the five phrases listed below

 

 

Here’s a closer look at each.

How to Write an Offer Letter: Include What You Love About the Home

It’s always a great idea to mention what you love about a home when you’re trying to get a seller to choose your offer. You might say that the backyard is beautifully landscaped and exactly what you’ve been looking for, that the finished basement is a wonderful addition to the home or that the way the living room window lets in morning light is just right.

Including what you love about the home makes you seem like a real person to the seller – and there’s a good chance that something you love is the same thing that the current owner loves. Even if it’s not, your letter and gracious compliments will be a nice touch, and the seller will pay attention to the fact that you took the time to write down what’s so special about the house.

How to Write an Offer Letter: Mention Why the Home is a Great Fit for Your Family

When you connect your family to the seller by saying how the home is a great fit for your family, you make a big statement. Try saying things like, “This home is so close to the school we want our children to attend” or “We love the way the bedrooms are laid out – they’re the perfect fit for our two children.”

Your REALTOR can give you even more guidance on making your offer letter personal and attention-getting. Just be careful not to include the five phrases outlined below.

How to Write an Offer Letter: Avoid These Five Phrases

While your offer letter isn’t the only thing a seller will consider when deciding whether to pick you, it can definitely be important in some situations. (It’s not always a good idea to write one – so if you’re not sure, talk to your REALTOR about what to do.)

If you are writing an offer letter, you should avoid these phrases at all costs:

  1. “I can imagine my family celebrating Christmas/Hanukkah/Kwanzaa here.” Anything that gives the seller too much information about your family – including your religious preferences – should stay out of your offer letter.
  2. “I’ll remodel the kitchen and rip up the carpet.” You don’t want to let the seller know you don’t love his or her design choices or style, so avoid mentioning the improvements you’re going to make to the home if the seller accepts your offer.
  3. “I’ll do anything to get this house.” You definitely don’t want to let sellers know how emotionally invested you are in the house – it could hurt you during negotiations.
  4. “Can we close quickly?” Like its close cousin I’ll do anything to get this house, asking to close quickly can tip your hand too much. You can let the seller know you’d like to meet a certain deadline, but don’t make it seem like you’re desperate to close.
  5. “This yard is perfect for my dog.” While you and I love dogs, there are some people who don’t – and that can affect a seller’s decision. Remember, the seller can choose any of the offers he or she gets, so stick to mentioning things that compliment the house without giving too many details about yourself or your family.

 

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I can help you find one that’s just right for your needs. Call me at 865-368-5150 to tell me what’s on your wish list – together, we’ll find it!

 

 

Posted in Buying a Home
July 4, 2020

Knoxville’s Best Museums

Knoxville's Best Museums

If you’re buying a home for sale in Knoxville, you need to know about all the amazing cultural opportunities and exciting museums in the area – and this list will get you started. Each of these museums has something special to offer, whether it’s a great kids’ program or a number of immersive exhibits. Some aren’t in Knoxville, but they’re all within a short drive from the city.

Knoxville’s Best Museums

Check out:

  • American Museum of Science and Energy (Oak Ridge)
  • Armstrong Lockett House
  • Blount Mansion
  • Fort Loudon State Historical Area on Tellico Lake
  • Frank H. McClung Museum
  • James White Fort
  • Knoxville Museum of Art in the World’s Fair Park
  • Museum of Appalachia (Norris)

Here’s a closer look at each.

American Museum of Science and Energy (Oak Ridge)

Website: https://amse.org/

The American Museum of Science and Energy in Oak Ridge is a Smithsonian Affiliate. It was originally named the American Museum of Atomic Energy in 1949, and today, it’s one of the top tourist attractions in the Knoxville area. It provides interactive curriculum-based classroom programs for school groups, STEM education programs, and permanent and rotating exhibits featuring live demonstrations. It also holds spring, summer and fall camp programs for kids.

Armstrong Lockett House

Website: http://www.crescentbend.com/

The Armstrong Lockett House, named Crescent Bend, started out as a 600-acre family farm in 1832. During the Civil War, both the Union and Confederate armies used the house. It may also have been used as a safe house on the Underground Railroad. Today, it’s a beautiful piece of Tennessee history – and definitely worth visiting.

Blount Mansion

Website: http://www.blountmansion.org/

Blount Mansion is a registered National Historic Landmark. Owned by William Blount, who was appointed by President George Washington to be the Governor of the Territory of the United States South of the River Ohio, Blount Mansion has a rich and storied history. Blount signed the U.S. Constitution, and his home (built in 1792) later came to house state governors and dignitaries.

Fort Loudon State Historical Area on Tellico Lake

Website: https://fortloudoun.com/

The Fort Loudon State Historical Area on Tellico Lake in Vonore was constructed by the Independent Company of South Carolina – a military unit that was threatened by French activities in the Mississippi Valley – in 1756. The fort lasted four years, and during that time, relations between South Carolina and the Cherokee Nation broke down; the Carolinians surrendered it to the Cherokee in 1760.

Frank H. McClung Museum

Website: https://mcclungmuseum.utk.edu/

The Frank H. McClung Museum of Natural History and Culture hosts a wide range of exhibitions, including those related to art and culture, ancient coins and building materials, and so much more.

James White Fort

Website: https://www.jameswhitesfort.org/

Known as the birthplace of Knoxville, the James White Fort is one of the most-visited historical sites in the city. This museum home was the original 1786 residence of James White – the founder of Knoxville.

Knoxville Museum of Art in the World’s Fair Park

Website: https://knoxart.org/

The Knoxville Museum of Art celebrates art and artists from East Tennessee. It’s primarily focused on the culture of the Southern Appalachia and features a permanent exhibition of works from the mid19th to late 20th century.

Museum of Appalachia (Norris)

Website: https://www.museumofappalachia.org/

The Museum of Appalachia in Norris is a living history museum; it’s a pioneer mountain farm village that shares the artifacts and stories left behind by the people of Southern Appalachia. The museum spans 65 acres that include 35 log cabins, barns, churches, schools and gardens, as well as farm animals. There are more than 250,000 artifacts in three buildings, as well as folk art, musical instruments and more.

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I can help you find one that’s just right for your needs. Call me at 865-368-5150 to tell me what’s on your wish list – together, we’ll find it!

June 27, 2020

Knoxville Relocation Guide

Knoxville Relocation Guide - Buy a Home in Knoxville

If you’re buying a home for sale in Knoxville, it pays to know a bit about the area – and this Knoxville Relocation Guide will get you started.

Knoxville Relocation Guide

Some of the most important things for new residents to know include:

  • Auto tags
  • City government
  • County government
  • Day care
  • Driver’s licenses
  • Federal representatives
  • Libraries
  • Parks and outdoor recreation
  • Pet information
  • Schools
  • Trash pick-up
  • USPS locations
  • Voter registration

Here’s what you need to know about each.

Auto Tags

If you’re new to the state of Tennessee, you’ll need license plates for your vehicles within 30 days of establishing residency. You need a Tennessee title to get a license plate – both of which you can get at the County Clerk’s Office.

City Government

Mayor Indya Kincannon and a nine-member council run the city of Knoxville. The city council meets the first and third Tuesday of each month.

County Government

The mayor of Knox County is Glenn Jacobs, who manages the area with an 11-member county commission and three directors. The commission meets on the third Monday of each month. The county government directory is located here.

Daycare

There are several daycare centers in Knoxville, including:

Driver’s Licenses

You have 30 days after you establish permanent residence in Knoxville to change your out-of-state driver’s license to a Tennessee license. You must have two forms of proof of Tennessee residence, proof of citizenship or legal presence and a Social Security Number. If you have a valid driver’s license from another state, you only need a vision test. Get more information here.

Federal Representatives

The two senators serving Tennessee are Lamar Alexander (R) and Marsha Blackburn (R). Our representative for the 2nd Congressional District is currently Tim Burchett (R).

Libraries

There are 19 locations of the Knox County Public Library located all over Knoxville. You can get specific information on locations near your new home here.

Museums, Parks and Outdoor Recreation

There are several museums, parks and outdoor recreational opportunities in and around Knoxville. Some of the most notable include:

  • Armstrong Lockett House
  • Frank H. McClung Museum
  • James White Fort
  • Knoxville Museum of Art in the World’s Fair Park
  • Museum of Art Science
  • Speedwell Manor
  • Students’ Museum

The Great Smoky Mountain National Park is just a short drive away, and the Knoxville Zoological Park is located off Magnolia Avenue in Knoxville (and they have more than 1,200 animals).

Pet Information

There’s a leash law in the city of Knoxville, and any animal not on his or her property can be picked up by Animal Control. There are a handful of important numbers to remember if you have pets and you’re moving to Knoxville:

  • UT Veterinary Hospital and Pet Emergency Center: 865-974-8387
  • Humane Society Animal Shelter: 865-573-9675
  • Knoxville Animal Control: 965-215-7457

Schools

The public schools in Knoxville fall under Knox County Schools. More than 60,000 students and 7,900 staff members are part of the district, which runs a total of 88 school facilities. You can get more information here.

Get the Complete Guide to Private Schools in Knoxville now!

Trash Pick-Up

The city handles residential garbage collection inside city limits. There are five large refuse collection points throughout the county.

USPS Locations

There are several U.S. Post Offices in Knoxville, including:

  • West Knoxville at 4434 Sutherland Avenue
  • South Knoxville at 137 East Young High Pike
  • Main Post Office at 1237 East Weisgarber Road
  • Northwest Annex at 4334 Middlebrook Pike
  • Cedar Bluff at 9039 Cross Park Drive
  • Downtown at 501 West Main Street
  • Concord at 124 Huxley Road

Voter Registration

You can register to vote with the Knox County Election Commission. You must have been a resident of Tennessee for at least 20 days before you can register. You can get more information here.

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I can help you find one that’s just right for your needs. Call me at 865-368-5150 to tell me what’s on your wish list – together, we’ll find it!

June 19, 2020

7 Steps to Take Before You Buy a House in Knoxville

7 Steps to Take Before You Buy a House in Knoxville

When you’re buying a home for sale in Knoxville, there are a number of things you can do before you get started – and this list is a good jumping-off point.

7 Steps to Take Before You Buy a House in Knoxville

First things first: Work with a buyer’s agent. Your REALTOR® will be able to guide you through every step of the process, and when you’re buying a home, you don’t pay a real estate commission – the person who sells the home that you eventually buy does.

From there, follow these seven steps for a successful house-hunt.

  1. Check your credit score and clean up your credit report
  2. Determine how much house you can afford
  3. Find the right lender
  4. Get mortgage preapproval
  5. Pull together your down payment
  6. Create your wish list
  7. Start house-hunting

Let’s take a closer look at each.

7 Steps to Take Before You Buy a House in Knoxville - Check Your Credit Score and Clean Up Your Credit Report

#1. Check your credit score and clean up your credit report

You’re entitled to one free copy of your credit report every year, thanks to the Federal Trade Commission. You can get yours from AnnualCreditReport.com, or you can subscribe to a free credit monitoring service such as Credit Karma, to see what your credit score looks like.

If you notice anything wrong on your credit report, file a dispute. Credit report errors are more common than you think, and they might be easier to fix than you think, too. You want your credit score to be as high as possible when you eventually apply for a mortgage; that way, you’ll qualify for more favorable rates and terms.

7 Steps to Take Before You Buy a House in Knoxville - Determine How Much House You Can Afford

#2. Determine how much house you can afford

If you’re currently renting, your homeowner budget might be exactly the same – but you have to factor in the additional costs of home ownership, too, such as insurance, property taxes, maintenance and repairs. A good way to figure out how much house you can afford is to use a free mortgage calculator.

7 Steps to Take Before You Buy a House in Knoxville - Find the Right Lender

#3. Find the right lender

Lenders offer different loan products. You’ll want to shop around and ask lenders a variety of questions about the products they offer – that way, you can find a lender that works for you.

7 Steps to Take Before You Buy a House in Knoxville - Get Mortgage Preapproval

#4. Get mortgage preapproval

When you’ve settled on a lender, it’s time to get preapproved for a mortgage. You’ll need preapproval because once you find your dream home, your agent will probably encourage you to make an offer right away. Sellers are more likely to consider offers from people who are already preapproved, because people with mortgage preapproval are more likely to secure funding.

7 Steps to Take Before You Buy a House in Knoxville - Pull Together Your Down Payment

#5. Pull together your down payment

When you talk to your lender about the loan you’re using, you’ll find out how much money you need to put down – and that figure can vary greatly. (It’s usually a good idea to start saving for a down payment long before you start your home search.) Some loans, such as VA loans and Zero-Down USDA Rural Development Loans, don’t require any down payment at all. Others require you to pay for private mortgage insurance when you have less than 20 percent of a home’s sales price to put down.

Related: What is a VA loan?

7 Steps to Take Before You Buy a House in Knoxville - Create Your Wish List

#6. Create your wish list

Put together a wish list of the things you want in your home. You should highlight things you can’t live without – like the number of bedrooms you need to fit comfortably – and keep in mind that you’ll have to be flexible with your list.

7 Steps to Take Before You Buy a House in Knoxville - Start House-Hunting

#7. Start house-hunting

Let your REALTOR know you’re ready to start looking for your dream home in Knoxville. Tell her all the features you want, how much you can spend, and what areas of Knoxville appeal most to you. She’ll start searching for homes that match your wish list. You can also search our website for Knoxville real estate listings. When you find homes you like, your agent will schedule tours so you can see them in person.

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I can help you find one that’s just right for your needs. Call me at 865-368-5150 to tell me what’s on your wish list – together, we’ll find it!

Posted in Buying a Home
June 10, 2020

An Inside Look at Knoxville's Most Luxurious Homes

Knoxville's Most Luxurious Homes - Rhonda Ferguson REALTOR

If you’re looking for Knoxville luxury homes, you’re in the right place – and here’s an inside look at some of the most beautiful homes currently on the market in the city. If you’d like to explore any of these homes on a private tour, please call me at 865-368-5150 and I’ll be happy to take you.

5628 Lyons View Pike for Sale - Knoxville Luxury Homes - Rhonda Ferguson, REALTOR

5628 Lyons View Pike

Breathtakingly beautiful inside and out, 5628 Lyons View Pike is a dream home tucked in one of Knoxville’s most prestigious areas. This home, featuring unbelievable lake views from expansive windows, high and vaulted ceilings, and luxurious features throughout, reaches the pinnacle of easy living. Some of the home’s most notable features include its sky mural over the foyer, its curved three-story staircase and its gourmet kitchen designed to cook for two or twenty.

Get a closer look at 5628 Lyons View in Knoxville.

1909 Rudder Lane for Sale - Knoxville Luxury Homes - Rhonda Ferguson

1909 Rudder Lane

An architectural masterpiece hidden away on 10 secluded acres, 1909 Rudder Lane (built by Gerald Jenkins) is a fabulous home. It features full living quarters downstairs, including a master suite, custom kitchen and home office. The spectacular 20-foot by 40-foot swimming pool, a secret cave and unbelievable landscaping designed as a personal bird sanctuary make this home one of Knoxville’s premier estates.

Get a closer look at 1909 Rudder Lane in Knoxville.

11344 Sonja Drive for Sale - Knoxville Luxury Homes - Rhonda Ferguson

11344 Sonja Drive

Nestled above the town of Farragut, 11344 Sonja Drive is a beautifully designed luxury home featuring a grand entry, a sweeping spiral staircase and soaring ceilings – and there are entertainment spaces throughout, making this the perfect home for hosting guests for short or extended stays. Some of this home’s best features include its two dramatic staircases that lead to five additional bedrooms upstairs (each with its own ensuite bath and beautiful views) and its outdoor oasis, which features a saltwater pool, a spa and a bathhouse.

Get a closer look at 11344 Sonja Drive in Knoxville.

316 Triplett Lane for Sale - Knoxville Luxury Homes - Rhonda Ferguson

316 Triplett Lane

Rustic and stunning, 316 Triplett Lane is a private, gated family estate with more than 12,000 square feet of space inside. Surrounded by over 19 acres of wooded land (all fenced-in), this home features a saltwater pool, two ponds (one of which is stocked with fish), a 6-stall Morton barn and a private tennis court. The home’s fabulous kitchen is fit for a professional chef, and it features a private home study, a master suite with gorgeous views and so much more.

Get a closer look at 316 Triplett Lane in Knoxville.

1837 Rudder Lane for Sale - Knoxville Luxury Homes - Rhonda Ferguson

1837 Rudder Lane

Private and secluded by more than 7 acres in West Knoxville, 1837 Rudder Lane is a dream home. You can escape from the everyday without being too far from the amenities you need because of this estate’s unique location. Enclosed behind a privacy gate, this home features a stocked pond, an expansive motor court and a five-car garage. The grand staircase gives you breathtaking views from the towering windows, and the living space is designed for ease and comfort.

Get a closer look at 1837 Rudder Lane in Knoxville.

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I can help you find one that’s just right for your needs. Call me at 865-368-5150 to tell me what’s on your wish list – together, we’ll find it!

June 4, 2020

Zero-Down USDA Rural Development Loans Make Home Ownership Possible With No Down Payment

Zero-Down USDA Rural Development Loans Make Home Ownership Possible With No Down Payment

If you’re like many people, you don’t have the cash for a down payment right now – but you’d love to buy a home in Knoxville. Maybe you’re tired of spending money on rent, or maybe you want a place that’s all your own. Either way, you can buy a home in a rural development area in Knoxville with a USDA Rural Development Loan.

Why Buy a Home in Knoxville With a USDA Rural Development Loan?

The USDA’s Section 502 Guaranteed Loan Program, which is commonly called a USDA Rural Development Loan, allows people to buy a home with nothing down. These zero-down-payment mortgages are only available to eligible rural and suburban buyers who meet certain requirements.

By far, the biggest deal about USDA Rural Development Loans is that you don’t have to have a down payment at all. That’s because these loans are issued through the USDA loan program or guaranteed by the USDA. However, you may have to pay for private mortgage insurance.

Zero-Down USDA Rural Development Loans Make Home Ownership Possible With No Down Payment - Who Qualifies

Who Qualifies for a USDA Rural Development Loan?

To qualify for a USDA Rural Development Loan, you must:

  • Meet your lender’s eligibility requirements
  • Be a U.S. citizen or permanent resident
  • Have a dependable income (usually for two consecutive years)
  • Generally have no late payments or collections in the 12 months prior to applying
  • Have an acceptable debt-to-income ratio
  • Be buying a property in a qualified rural area

What Are Typical Interest Rates for Zero-Down USDA Rural Development Loans?

Interest rates on USDA loans are based on several factors – including your credit score. Usually, the lowest rates go to people with the highest credit scores. However, people who have less-than-perfect credit can typically still qualify for low rates because the USDA guarantees the loan, which gives lenders more confidence.

Your credit score will most likely fall into one of these categories.

FICO Credit Score Category

Score Range

Excellent

750 or higher

Good

700 to 749

Fair

650 to 699

Poor

550 to 649

Very Poor

549 or lower

 

The 3 Types of USDA Loan Programs

There are three different USDA home loan programs: loan guarantees, direct loans and home improvement loans and grants.

Loan Guarantees

The USDA can guarantee a loan that your lender issues. These types of loans are a lot like FHA loans and VA loans. With this type of guarantee, you may be eligible to get a low interest rate (even without a down payment).

Related: The ultimate guide to VA loans

Direct Loans

These types of loans come directly from the USDA. They’re for low-income and very low-income applicants. Interest rates can be as low as 1 percent on these types of loans, although you must meet strict income requirements to qualify.

Home Improvement Loans and Grants

Home improvement loans and grants are outright financial awards for homeowners, and they’re designed to allow people to repair or upgrade their homes.

Where to Buy a Home in Knoxville With a USDA Rural Development Loan

The USDA considers many of the communities outside of Knoxville to be rural areas – rural enough to qualify for this type of zero-down loan. Look at the map below; the areas in white (outside the yellow areas) are all considered rural for purposes of the USDA Rural Development Loan.

Where to Buy in Knoxville if You Want a USDA Rural Development Loan

The property you wish to buy must be in one of these areas. The USDA defines a rural area as one with a population under 35,000 that also has a lack of mortgage credit for low- and moderate-income families. Homes with acreage are often eligible, provided that the size of the property is typical for the area and it won’t be used primarily to produce income.

Are You Interested in Buying a Rural Home Near Knoxville With a USDA Rural Development Loan?

If you’re looking for a home in a rural area outside of Knoxville and you think you may qualify for a USDA Rural Development Loan, I can help you find the perfect place.

Call me at 865-368-5150. Let me know what you’re looking for and I’ll connect you with local lenders while I search for your dream home.

May 27, 2020

The Complete Guide to Private Schools in Knoxville

The Complete Guide to Private Schools in Knoxville

If you’re like many parents buying a home in Knoxville, Tennessee, you’re considering sending your children to private school – but where do you start your search? There are several private schools here, with many in the Cedar Bluff area of the city (near Dead Horse Lake Golf Course). This guide to private schools in Knoxville will get you started on your search – and when you choose a school, call me at 865-368-5150 so I can find you the home of your dreams nearby.

The Complete Guide to Private Schools in Knoxville

You’ll find a wide range of private schools in Knoxville, ranging from those that specialize in religious education to those that use the Montessori method of teaching. Use these tables to discover private preschools, private elementary and middle schools, and private high schools located in Knoxville. You can also get their addresses, phone numbers and website addresses in the tables below.

Private Schools in Knoxville for All Grades

Many parents want their children to attend the same school throughout their entire school career. If that sounds like your family, use this table of private schools that accept children from pre-kindergarten through the 12th grade.

School

Grades Served

Address

Phone Number

Website

Number of Students

Apostolic Christian School

PK-12

5020 Pleasant Ridge Road

Map

865-523-5261

http://acsknoxville.org/

139

Berean Christian School

PK-12

2329 Prosser Road

Map

865-521-6054

http://www.bereanchristian.org/

384

Christian Academy of Knoxville

PK-12

529 Academy Way
Map

865-813-4225

http://www.cakwarriors.com/

904

Concord Christian School and Preschool

NS-12

11704 Kingston Pike

Map

865-966-8858

http://concordchristianschool.org/

1,367

Dayspring Baptist Christian Academy

NS-11

935 West Oldham Drive

Map

865-521-1298

http://dbmknox.com/

22

Freedom Christian Academy

K-12

4616 Asheville Highway

Map

865-525-7807

http://www.freedomchristianacademy.org/

169

Grace Christian Academy

K-12

5914 Beaver Ridge Road

Map

865-691-3427

http://www.gcarams.org/

756

Knoxville Christian School (Church of Christ)

PK-12

11549 Snyder Road

Map

865-966-7060

http://www.kcsknights.org/

171

Paideia Academy

PK-12

10825 Yarnell Road

Map

865-670-0440

https://paideiaknoxville.org/

215

River’s Edge Christian Academy

NS-12

5600 Western Avenue

Map

865-201-1192

http://www.riversedgeca.com/

382

Webb School of Knoxville

PK-12

9800 Webb School

Lane

Map

865-291-3838

http://www.webbschool.org/

1,035

West End Academy (Christian)

NS-12

5311 McKamey Road

Map

865-690-1720

http://westendacademy.org/

90

 

Private Preschools in Knoxville

If you’re looking for a school for your pre-kindergarten child, you’ll find this comprehensive list of private preschools in Knoxville useful.

School

Grades Served

Address

Phone Number

Website

Number of Students

Annoor Academy (Islamic)

NS-8

724 Fox Road

Map

865-525-3399

http://annooracademy.net/

139

Apostolic Christian School

PK-12

5020 Pleasant Ridge Road

Map

865-523-5261

http://acsknoxville.org/

139

Berean Christian School

NS-12

2329 Prosser Road

Map

865-521-6054

http://www.bereanchristian.org/

384

Bluegrass KinderCare

NS-PK

8908 Bluegrass Road

Map

865-693-3551

https://www.kindercare.com/our-centers/knoxville/tn/

n/a

Cedar Bluff KinderCare

NS-PK

9200 Gulf Park Drive

Map

865-693-5570

https://www.kindercare.com/our-centers/knoxville/tn/

n/a

Cedar Springs Weekday School

PK-5

9132 Kingston Pike

Map

865-291-5252

http://www.cspc.net/weekdayschool

232

Christian Academy of Knoxville

PK-12

529 Academy Way
Map

865-813-4225

http://www.cakwarriors.com/

904

Concord Christian School and Preschool

NS-12

11704 Kingston Pike

Map

865-966-8858

http://concordchristianschool.org/

1,367

Dayspring Baptist Christian Academy

NS-11

935 West Oldham Drive

Map

865-521-1298

http://dbmknox.com/

22

Episcopal School of Knoxville

PK-8

950 Episcopal School Way

Map

865-777-9032

http://esknoxville.org/

295

First Lutheran School

NS-8

1207 Broadway

Map

865-524-0308

http://firstlutheranschool.com/

154

Garden Montessori School

PK-8

3225 Garden Drive

Map

865-688-6776

http://www.gardenmontessori.org/

171

Garden of Discovery Learning Center (Baptist)

K

1601 Dandridge Avenue

Map

865-973-6000

https://www.godla.org/

22

Giving Tree Montessori

PK-K

7728 Nubbin Ridge Drive

Map

865-691-2661

http://www.givingtreemontessori.org/

38

Grace Covenant Baptist Academy

PK-5

9956 Dutchtown Road

Map

865-690-3681

http://gcbacademy.com/

45

Knoxville Christian School (Church of Christ)

PK-12

11549 Snyder Road

Map

865-966-7060

http://www.kcsknights.org/

171

Knoxville Montessori School

PK-5

4311 Kingston Pike

Map

865-525-6042

http://www.knoxvillemontessori.org/

69

Mead Montessori School

PK-3

2647 Bafford Place

Map

865-577-0760

http://meadmontessorischool.com/

35

Montessori Internationale School

PK-K

10019 South Northshore Drive

Map

865-675-0545

http://www.montessoriinternationale.com/

30

Paideia Academy

PK-12

10825 Yarnell Road

Map

865-670-0440

https://paideiaknoxville.org/

215

Pride & Joy Children’s Academy (Baptist)

PK-3

4418 Kingston Pike

Map

865-524-7907

http://www.prideandjoychildrensacademy.com/

194

Primrose School of Farragut

PK-K

120 Coach Road

Map

865-966-7673

http://www.primroseschools.com/schools/farragut

50

River’s Edge Christian Academy

NS-12

5600 Western Avenue

Map

865-201-1192

http://www.riversedgeca.com/

382

Sacred Heart Cathedral School

PK-8

711 South Northshore Drive

Map

865-588-0415

http://www.shcathedral.org/

664

St. John Neumann Catholic School (Roman Catholic)

PK-8

625 Saint John Court

Map

865-777-0077

http://www.sjncs-knox.org/

334

St. Joseph School (Roman Catholic)

PK-8

1810 Howard Drive

Map

865-689-3424

http://www.sjsknox.org/

220

The Goddard School of Farragut

NS-K

125 Loudoun Road

Map

865-966-0663

http://www.goddardschool.com/FarragutTN

n/a

The Goddard School – Hardin Valley

NS-K

10720 Virginia Pine Way

Map

865-531-9599

http://www.goddardschool.com/KnoxvilleTN

                   

n/a

University of Tennessee Early Learning Center

PK-K

1206 White Avenue

Map

865-947-0843

http://elc.utk.edu/

141

Webb School of Knoxville

PK-12

9800 Webb School

Lane

Map

865-291-3838

http://www.webbschool.org/

1,035

West End Academy (Christian)

NS-12

5311 McKamey Road

Map

865-690-1720

http://westendacademy.org/

90

West End Kindergarten

PK-K

8301 East Walker Springs Lane

Map

865-690-0900

http://westendkindergarten.com/

94

West Hills Baptist Preschool and Kindergarten

NS-K

409 North Winston Road

Map

865-690-4251

http://wherechildrengrow.org/

157

 

Private Elementary Schools in Knoxville

If you’re looking for a private elementary school in Knoxville, this table includes each school’s name, its address and phone number, and its website. It also includes the number of students who attend the school.

School

Grades Served

Address

Phone Number

Website

Number of Students

Annoor Academy (Islamic)

PK-12

724 Fox Road

Map

865-525-3399

http://annooracademy.net/

139

Antioch Baptist Christian Academy

1-12

5709 North Broadway Street

Map

865-

http://www.learnthebible.org/

15

Apostolic Christian School (Pentecostal)

PK-12

5020 Pleasant Ridge Road

Map

865-523-5261

http://acsknoxville.org/

139

Christian Academy of Knoxville

PK-12

529 Academy Way
Map

865-813-4225

http://www.cakwarriors.com/

904

Grace Covenant Baptist Academy

PK-5

9956 Dutchtown Road

Map

865-690-3681

http://gcbacademy.com/

45

Berean Christian School

NS-12

2329 Prosser Road

Map

865-521-6054

http://www.bereanchristian.org/

384

Cedar Springs Weekday School

PK-5

9132 Kingston Pike

Map

865-291-5252

http://www.cspc.net/weekdayschool

232

Concord Christian School and Preschool

NS-12

11704 Kingston Pike

Map

865-966-8858

http://concordchristianschool.org/

1,367

Dayspring Baptist Christian Academy

NS-11

935 West Oldham Drive

Map

865-521-1298

http://dbmknox.com/

22

Episcopal School of Knoxville

PK-8

950 Episcopal School Way

Map

865-777-9032

http://esknoxville.org/

295

Family Christian Academy of East Tennessee - Knoxville

5-8

502 South Gay Street

Mapv

865-556-2009

https://www.fcaknoxville.org/

n/a

First Lutheran School

NS-8

1207 Broadway

Map

865-524-0308

http://firstlutheranschool.com/

154

Freedom Christian Academy

K-12

4616 Asheville Highway

Map

865-525-7807

http://www.freedomchristianacademy.org/

169

Garden Montessori School

PK-8

3225 Garden Drive

Map

865-688-6776

http://www.gardenmontessori.org/

171

Grace Christian Academy

K-12

5914 Beaver Ridge Road

Map

865-691-3427

http://www.gcarams.org/

756

Knoxville Adventist School

K-9

3615 Kingston Pike

Map

865-522-9929

http://www.knoxvilleadventistschool.net/

51

Knoxville Baptist Christian

1-11

2434 East 5th Avenue

Map

865-524-3211

http://www.kbcs.comcastbiz.net/

41

Knoxville Christian School (Church of Christ)

PK-12

11549 Snyder Road

Map

865-966-7060

http://www.kcsknights.org/

171

Knoxville Montessori School

PK-5

4311 Kingston Pike

Map

865-525-6042

http://www.knoxvillemontessori.org/

69

Mead Montessori School

PK-3

2647 Bafford Place

Map

865-577-0760

http://meadmontessorischool.com/

35

Nature’s Way Montessori School

K-8

4710 Murphy Road

865-689-8976

http://www.natureswaymontessori.com/

167

Paideia Academy

PK-12

10825 Yarnell Road

Map

865-670-0440

https://paideiaknoxville.org/

215

Pride & Joy Children’s Academy (Baptist)

PK-3

4418 Kingston Pike

Map

865-524-7907

http://www.prideandjoychildrensacademy.com/

194

River’s Edge Christian Academy

NS-12

5600 Western Avenue

Map

865-201-1192

http://www.riversedgeca.com/

382

Sacred Heart Cathedral School

PK-8

711 South Northshore Drive

Map

865-588-0415

http://www.shcathedral.org/

664

St. John Neumann Catholic School (Roman Catholic)

PK-8

625 Saint John Court

Map

865-777-0077

http://www.sjncs-knox.org/

334

St. Joseph School (Roman Catholic)

PK-8

1810 Howard Drive

Map

865-689-3424

http://www.sjsknox.org/

220

Stanford Eisenberg Knoxville Jewish Day School

K-5

1529 Downtown West Boulevard

Map

865-560-9922

http://www.kjds.org/

37

Tate’s School (Christian)

K-7

9215 Bob Gray Road

Map

865-693-3021

http://www.tatesschool.com/

228

Webb School of Knoxville

PK-12

9800 Webb School

Lane

Map

865-291-3838

http://www.webbschool.org/

1,035

West End Academy (Christian)

NS-12

5311 McKamey Road

Map

865-690-1720

http://westendacademy.org/

90

 

Private High Schools in Knoxville

There are several private high schools in Knoxville, although some serve children who would traditionally be in middle school. You’ll find the names of all of Knoxville’s private high schools, the grades they serve, addresses, phone numbers, website addresses and the number of students in each school listed below.

School

Grades Served

Address

Phone Number

Website

Number of Students

Antioch Baptist Christian Academy

1-12

5709 North Broadway Street

Map

865-688-0780

http://www.learnthebible.org/

15

Apostolic Christian School (Pentecostal)

PK-12

5020 Pleasant Ridge Road

Map

865-523-5261

http://acsknoxville.org/

139

Berean Christian School

PK-12

2329 Prosser Road

Map

865-521-6054

http://www.bereanchristian.org/

384

Christian Academy of Knoxville

PK-12

529 Academy Way
Map

865-813-4225

http://www.cakwarriors.com/

904

Concord Christian School and Preschool

NS-12

11704 Kingston Pike

Map

865-966-8858

http://concordchristianschool.org/

1,367

Dayspring Baptist Christian Academy

NS-11

935 West Oldham Drive

Map

865-521-1298

http://dbmknox.com/

22

Freedom Christian Academy

K-12

4616 Asheville Highway

Map

865-525-7807

http://www.freedomchristianacademy.org/

169

Grace Christian Academy

K-12

5914 Beaver Ridge Road

Map

865-691-3427

http://www.gcarams.org/

756

Knoxville Adventist School

K-9

3615 Kingston Pike

Map

865-522-9929

http://www.knoxvilleadventistschool.net/

51

Knoxville Baptist Christian

1-11

2434 East 5th Avenue

Map

865-524-3211

http://www.kbcs.comcastbiz.net/

41

Knoxville Catholic High School

9-12

9245 Fox Lonas Road

Map

865-560-0313

http://www.knoxvillecatholic.com/

627

Knoxville Christian School (Church of Christ)

PK-12

11549 Snyder Road

Map

865-966-7060

http://www.kcsknights.org/

171

New Pathways Academy

8-12

1531 Dick Lonas Road

Map

865-602-2968

http://www.fcaknox.org/programs-services/new-pathways-academy

56

Paideia Academy

PK-12

10825 Yarnell Road

Map

865-670-0440

https://paideiaknoxville.org/

215

River’s Edge Christian Academy

NS-12

5600 Western Avenue

Map

865-201-1192

http://www.riversedgeca.com/

382

Webb School of Knoxville

PK-12

9800 Webb School

Lane

Map

865-291-3838

http://www.webbschool.org/

1,035

West End Academy (Christian)

NS-12

5311 McKamey Road

Map

865-690-1720

http://westendacademy.org/

90

Are You Buying a Home in Knoxville?

If you’re ready to buy a home in Knoxville, I can help you find one that’s just right for your needs. Call me at 865-368-5150 to tell me what’s on your wish list – together, we’ll find it!

May 19, 2020

Everything You Need to Know About Private Mortgage Insurance Before You Buy a Home in Knoxville

Everything You Need to Know About Private Mortgage Insurance

If you’re like many people buying a home, you’ll have to pay for private mortgage insurance – but what is PMI, and why do some people have to pay it?

Here’s what you need to know.

What is Private Mortgage Insurance?

Private mortgage insurance, commonly called PMI, is a type of insurance that your lender might require if you put down less than 20 percent of a home’s purchase price as a down payment. This insurance is a way of protecting the lender – it protects your lender against losses if you default on your mortgage.

Why Do Some People Have to Pay Private Mortgage Insurance?

Lenders usually require buyers to pay for PMI if they put down less than 20 percent of a home’s purchase price. That’s because many lenders want to see people invested in homes – statistically, you’re less likely to walk away if you have some “skin in the game.”

How Much is PMI?

PMI generally costs between 0.5 and 1 percent of the entire loan amount on an annual basis. Here’s a look at some ranges for different home prices:

  • On a $100,000 home: You could pay between $500 and $1,000 per year on PMI, which averages out to between $41 and $83 per month.
  • On a $200,000 home: You could pay between $1,000 and $2,000 per year on PMI, which averages out to between $83 and $167 per month.
  • On a $300,000 home: You could pay between $1,500 and $3,000 per year on PMI, which averages out to between $125 and $250 per month.
  • On a $400,000 home: You could pay between $2,000 and $4,000 per year on PMI, which averages out to between $167 and $334 per month.
  • On a $500,000 home: You could pay between $2,500 and $5,000 per year on PMI, which averages out to between $209 and $417 per month.

Your rate might be different. It may not be 0.5 or 1 percent of your loan's value. It's best to talk to your lender to get exact figures, because these are just estimates based on what most people pay.

How Do I Avoid Private Mortgage Insurance When I Buy a Home

How Do I Avoid Private Mortgage Insurance?

The simplest way to avoid private mortgage insurance is to make a down payment that’s at least equal to 20 percent of the home’s purchase price. If that’s not possible and you’re a veteran or service member in the U.S. Armed Forces, use your VA loan. Alternatively, you could look into a USDA loan. Talk to your Knoxville REALTOR® about other options – she’ll be able to refer you to a mortgage broker or lender who can help you find the right product for your needs.

Related: What is a VA loan?

When Can You Stop Paying PMI?

Usually, you can stop paying PMI when you’ve paid off 20 percent of your loan. You may want to call your lender as soon as you cross the threshold, because sometimes lenders continue to charge you until you’ve paid off 22 percent. (That’s when they’re legally obligated to eliminate it.)

Do You Ever Get PMI Money Back?

You won’t get back the money you paid for PMI. In that way, it’s a lot like car insurance or health insurance – but it doesn’t protect you. Instead, it protects your lender. You’re paying for that protection in case you default on your loan (even if you never intend to do so).

Can I Buy PMI on My Own - Buying a Home in Knoxville With Less Than 20 Percent Down

Can I Buy PMI on My Own?

You won’t be able to choose your own PMI company. However, you can choose your lender – and it’s probably best for you to choose a lender that has cheaper PMI rates than the others.

Is PMI a Waste of Money?

Some people feel that PMI is a waste of money. In fact, some people won’t buy a home with less than 20 percent down because they don’t want to pay for it. It’s up to you whether you feel it’s a waste of money – but one thing is certain: It’s a way for you to buy a house now even if you don’t have a 20 percent down payment. For that reason, some people – like those who are tired of renting – feel that paying PMI is worth the expense. But only you can make that decision for yourself!

Are You Buying or Selling a Home in Knoxville?

I can help you find the right lender for your needs – and then I can help you find your dream home in Knoxville. If you’re looking for a new place, give me a call at 865-368-5150 or get in touch with me online to tell me what you’d like to see. I can show you any listing in the Knoxville area!

May 10, 2020

4 Reasons You NEED to Stage Your Home to Sell It in Knoxville (Plus 5 Amazing Staging Tips)

4 Reasons You Need to Stage Your Home to Sell it in Knoxville

If you’re like many people selling a home, there’s a pretty good chance that your Knoxville REALTOR® has talked to you about home staging – but why is she making such a big deal of it?

Here’s what you need to know.

4 Reasons You NEED to Stage Your Home to Sell it in Knoxville

The real estate market in Knoxville is very competitive. Buyers and sellers are making deals every day – and you need to do things that make your home stand apart from the rest in the same price range to attract buyers and get offers.

Enter home staging.

Here are four reasons you need to stage your home to sell it in Knoxville:

  1. Staged homes sell for 17% more than non-staged homes do.
  2. 95% of staged homes sell in 11 days or fewer.
  3. Staged homes sell 87% faster than non-staged homes do.
  4. Staged homes let buyers imagine themselves living there.

Here’s a closer look at each – and then some tips on staging you can use right now.

4 Reasons You Need to Stage Your Home to Sell it in Knoxville - Staged Homes Sell for More Money

#1. Staged homes sell for 17% more than non-staged homes do.

Nobody wants to sell a home and lose money on the deal – and staging helps avoid that. While you may not always get list price, when you compare homes that are and aren’t staged, you’ll find that staged homes sell for 17 percent more money than homes that aren’t staged sell for.

For every $100 you invest in staging, the potential return is $400.

4 Reasons You Need to Stage Your Home to Sell it in Knoxville - Staged Homes Sell in 11 Days or Fewer

#2. 95% of staged homes sell in 11 days or fewer.

According to the National Association of REALTORS®, a home that’s staged properly is likely to sell in 11 days or less. Even when you account for variations in markets (such as when you compare Knoxville to Nashville, which are very different markets), you’ll find that staged homes are more appealing to buyers – and that tends to bring in offers.

4 Reasons You Need to Stage Your Home to Sell it in Knoxville - Staged Homes Sell 87 Percent Faster Than Non-Staged Homes Do

#3. Staged homes sell 87% faster than non-staged homes do.

Staged homes sell 87 percent faster than non-staged homes do, and again, it comes back down to showing buyers what they want to see. Home staging is a way of putting your house’s best foot forward. The ultimate goal is to highlight your home’s best features so buyers can get excited about putting in an offer.

4 Reasons You Need to Stage Your Home to Sell it in Knoxville - Staged Homes Let Buyers Envision Themselves Living There

#4. Staged homes let buyers imagine themselves living there.

When buyers see purpose in every space, they can easily use their imaginations to swap out your “stuff” for theirs. Staged homes are much easier to use as springboards because they show buyers all the possibilities – whereas homes that look like everyday houses (or worse, the buyer’s own home) don’t do anything to spark that type of creativity.

Related: 15 home staging tips from the pros

5 Fast Staging Tips You Can Use Today

5 Fast Staging Tips You Can Use Today

When you’re staging your home for sale, keep these five tips in mind:

  1. Keep your decor neutral. If anything in your home might be off-putting to anyone at all, you’ll want to change it before you list your house. That might mean taking down eccentric or possibly offensive decor, toning down too-bright accent walls, or removing anything that’s not neutral.
  2. Removing your personal items. Take down family photos or anything that could indicate what type of person you are. That means religious items, collections and political items should be put away before buyers come to see your home.
  3. Lighten up on the furniture. If your furniture makes your space appear cluttered, put some of it in storage while your house is on the market.
  4. Stay timeless and avoid trends. It’s good to add splashes of color, but don’t fall for any design or decor trends while your house is on the market. Save all that for your new home.
  5. Invest in clean, fresh and white towels for your bathroom. Only put these towels out when buyers are coming to tour your home or when it’s being photographed – don’t let anyone use them until you move into your next place!

Related: How to stage your master bathroom to sell your home

Do You Need to Talk to a REALTOR About Selling Your Home?

If you’re considering selling your home, your best bet is to talk to a REALTOR who can help you through the whole process. Call us at 865-368-5150 or contact us online to tell us about your situation – we can help you start moving forward!