17 photos$85,000
140 Spencer Dr
Spencer, TN 38585
The owner (for sale by owner, no agent). Contact the owner through the original listing.
What the listing says
This as-is investment opportunity for cash buyers is located in peaceful, scenic Spencer Tennessee which is close to Fall Creek Falls, Rock Island State Park, Burgess Falls to name a few. It has great potential to add your personal touches to make it your own home, get away cabin or Airbnb. Owner financing available with 20% down. Features: New roof New windows New soffits Gutters with downspouts New plumbing New hot water tank New electrical w/ 200 amp fuse box Fully insulated attic New metal ceiling (industrial vibe) Ceiling fans in every room New kitchen and bathroom fixtures Full walkout basement fully enclosed that would double living space once finished Basement floor has recently been finished out and French doors installed where a garage door was. A French drain has been installed to provide proper water drainage as the house sits on a hillside. The house sits on .66 acres of which the back half is wooded. It is on city water and sewer and wired for internet. It comes partially furnished, has a new refrigerator/freezer and a small washer. Each bedroom has its own closet and an additional wardrobe in master bedroom providing lots of storage. It currently has two remote controlled window A/C units for cooling. The front and back doors have option for keyless entry. A 4 minute video of property is available upon request.
See the original listing ↗This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.
Property Details
Property Type
Single Family
HOA
None
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Questions about owner financing in Spencer
What is owner financing for 140 Spencer Dr?
Owner financing means the seller of 140 Spencer Dr acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this Spencer, TN home mentions owner financing; confirm it with the seller.
Do I need good credit for owner financing?
There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.
How much is the down payment for this Spencer home?
There is no standard down payment. The seller of this Spencer home sets their own, and it is negotiable. Ask the seller or their agent.















