284 Ray Cross Rd

Harriman, TN 37748

$80,000
Price
1
Bed
992 Sq. Ft.
$81 / Sq. Ft.
992
Sq. Ft.
$81
per Sq. Ft.
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Pending
Pending
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Description

Affordable Housing Opportunity! Cash only. No exceptions! This charming home began as a new, storage shed and has been beautifully converted into a comfortable and efficient living space. The structure sits on an existing concrete pad and footer that once supported a four-bedroom double-wide home. The double-wide was never occupied and was removed following a divorce, leaving behind a new septic system and a solid foundation ready for reuse. No septic records were found on the local government site....Affordable Housing Opportunity! Cash only. No exceptions! This charming home began as a new, storage shed and has been beautifully converted into a comfortable and efficient living space. The structure sits on an existing concrete pad and footer that once supported a four-bedroom double-wide home. The double-wide was never occupied and was removed following a divorce, leaving behind a new septic system and a solid foundation ready for reuse. No septic records were found on the local government site. The home is securely set on blocks and anchored in four locations for stability. The property features a 200-amp electrical system divided into two breaker boxes: one 100-amp box supplying the home and a second outdoor 100-amp box that could easily power a future barn, workshop, or outbuilding. All electrical work was completed by a licensed electrician, and the plumbing features Schedule 40 PVC and PEX water lines for durability and reliability. The home is heated by a natural gas fireplace, providing cozy warmth throughout the cooler months. With solid infrastructure, thoughtful upgrades, and room for future expansion, this property offers a smart and affordable housing solution for those seeking comfort, practicality, and long-term value. Financing is unavailable because an appraisal requires comparable, where there is noe
  1. Listed by Brian Howard • Realty Executives Associates

Property Details for 284 Ray Cross Road

Architectural Style
Other
View
Wooded
Style Other
True
LISTING UPDATED: 03/09/2026 08:28 PM

Property Details for 284 Ray Cross Road

StatusPending
MLS #1318890
Days on Market126
Taxes$375 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeSingle Family / Single Family Residence
Year Built2020
Lot Size1.01 AC / 43,995 SF
CountyMorgan County
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Location

Listing Courtesy of Realty Executives Associates, Brian Howard
Add your commute

Building Information for 284 Ray Cross Road

Stories-Year Built2020Building Size-Lot Size1.01 AC / 43,995 SF

Payment Calculator

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OriginPoint Mortgage or Rocket Mortgage1

$434 per month

30 year fixed, 6.46% Interest

Principal and Interest

$403

Property Taxes

$31

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 284 Ray Cross Road

Summary
Location and General Information
  • City: Harriman
  • County Or Parish: Morgan County - 35
  • Directions: From TN-62 W. turn left onto Petit LN. for 1.4 miles turn left onto Matt Edmond Rd. 0.7 mile turn left onto William Rd. Rt. onto Mossy Grove Rd. which turns into Ray Cross Rd. Once you pass Jones Rd go .25 mile. driveway on right.
  • Latitude: 36.046626
  • Longitude: -84.538062
  • MLS Area Major: Morgan County - 35
  • MLS Area Minor: Morgan County - 35
  • Postal Code: 37748
  • State Or Province: TN
  • View Wooded: True
  • Location Tax Legal Info Area: Morgan County - 35
  • Remarks Misc Directions: From TN-62 W. turn left onto Petit LN. for 1.4 miles turn left onto Matt Edmond Rd. 0.7 mile turn left onto William Rd. Rt. onto Mossy Grove Rd. which turns into Ray Cross Rd. Once you pass Jones Rd go .25 mile. driveway on right.
Parking
  • Attached Garage: No
  • Parking Features: Off-Street Parking
  • Atchd Dtchd Type Detached: True
  • Garage Parking Off-Street Parking: True
School Information
  • Elementary School: Central
  • High School: Central
  • Middle Or Junior School: Central
  • Location Tax Legal Info Elementary School: Central
  • Location Tax Legal Info Middle School: Central
  • Location Tax Legal Info High School: Central
Taxes and HOA Information
  • Association Fee: 0.0
  • Parcel Number: 129 021.05
  • Location Tax Legal Info Total Tax: 375.0
  • General Property Description HOA: No
Virtual Tour
  • Virtual Tours Count: 0
Property
Lot Information
  • Building Area Source: Owner
  • Lot Size Area: 1.01
  • Lot Size Units: Acres
  • Lot Size Square Feet: 43995.0
  • Year Built: 2020
  • Lot Features: Rolling Slope
  • Building Area Total: 992.0
  • Lot Size Acres: 1.01
  • Lot Size Source: Owner
  • Lot Size Dimensions: 1.01
  • General Property Description SqFt - Main Lvl: 992.0
  • General Property Description SqFt - Down Lvl: 0.0
  • General Property Description SqFt - 2nd Flr Lvl: 0.0
  • General Property Description SqFt - 3rd Flr Lvl: 0.0
  • General Property Description SqFt - Source: Owner
  • General Property Description Lot Dimensions: 1.01
  • General Property Description Lot Size SqFt: 43995.0
  • General Property Description Acres: 1.01
  • General Property Description Acre Source: Owner
  • General Property Description Site Built: No
  • Lot Description Rolling Slope: True
Property and Assessments
  • Possession: At Closing
  • Property Attached: No
  • Property Type Label: Single Family
  • Floor Plans Count: 0
  • Property Type: Single Family
  • Property Sub Type: Single Family Residence
  • Possession At Closing: True
Utilities
  • General Property Description Sewer: Septic Tank
  • Fuel Gas (Natural): True
  • Sewer Septic Tank: True
  • Water Public: True
Interior and Exterior Features
Exterior Features
  • Other Structures: Storage Shed
  • Construction Materials: Wood, Frame
  • Siding Wood: True
  • Outbuildings Storage Shed: True
  • Exterior Features Deck: True
  • Exterior Features Patio: True
  • Exterior Features Windows - Insulated: True
  • Misc Features Pantry: True
Interior Features
  • Beds Total: 1
  • Baths Full: 1
  • Baths Half: 0
  • Cooling: Window Unit(s)
  • Fireplaces Total: 0
  • Fireplace: No
  • Bathrooms Total Integer: 1
  • Cooling Details: Yes
  • Kitchen Appliances: Microwave, Range, Refrigerator, Washer
  • Basement: No
  • Heating Details: Natural Gas, Zoned
  • Fireplace Features: None
  • Flooring: Laminate, Vinyl
  • Heating: Yes
  • Fireplace None: True
  • Floors Laminate: True
  • Floors Vinyl: True
  • Basement None: True
  • General Property Description Number of Bedrooms: 1
  • General Property Description Number of Rooms: 0.0
  • General Property Description Fireplace: No
  • General Property Description Number of Fireplace: 0.0
  • General Property Description Basement: No
  • General Property Description Bonus Room: No
  • General Property Description Extra Storage: Yes
  • Dining Area KitchenDining Rm Co: True
  • Appliances Microwave: True
  • Appliances Range: True
  • Appliances Refrigerator: True
  • Appliances Washer: True
  • Other Rooms Laundry Utility: True
  • Other Rooms Mstr Bdrm Main Level: True
  • Misc Features WasherDryer Connect: True
Room Information
Room
  • Rooms Total: 0
Rental
Rent Information
  • General Property Description Restrictions: No
  • Tenant Expenses Cooling: Window Unit(s)
  • Tenant Expenses Heating: Natural Gas,Zoned

Property History for 284 Ray Cross Road

DateEvent & SourcePriceAppreciation
Mar 9, 2026

Contract - Not Showing

KAARMLS #1318890

—
Mar 4, 2026

Listed (Active)

KAARMLS #1318890

$110,000—
Mar 3, 2026

Price Change

KAARMLS #1318890

$80,000—
Feb 19, 2026

Active - Not Showing

KAARMLS #1318890

—
Jan 23, 2026

Listed (Active)

KAARMLS #1318890

$110,000—
Jan 13, 2026

Active - Not Showing

KAARMLS #1318890

—
Jan 1, 2026

Price Change

KAARMLS #1318890

$89,900—
Dec 24, 2025

Listed (Active)

KAARMLS #1318890

$110,000—
Dec 12, 2025

Contract - Not Showing

KAARMLS #1318890

—
Dec 8, 2025

Price Change

KAARMLS #1318890

$99,900—
Oct 16, 2025

Withdrawn

KAARMLS #1306290

—
Oct 16, 2025

Listed (Active)

KAARMLS #1318890

$110,000—
Jul 10, 2025

Active - Not Showing

KAARMLS #1306290

—
Jun 27, 2025

Listed (Active)

KAARMLS #1306290

$119,000—
Jun 18, 2025

Withdrawn

REALTRACS #3074707

$110,000—
Jun 18, 2025

Withdrawn

KAARMLS #1302912

—
May 30, 2025

Listed (Active)

KAARMLS #1302912

$110,000—
DateEvent & SourcePrice
03/09/2026

Contract - Not Showing

KAARMLS #1318890

—
03/04/2026

Listed (Active)

KAARMLS #1318890

$110,000
03/03/2026

Price Change

KAARMLS #1318890

$80,000
02/19/2026

Active - Not Showing

KAARMLS #1318890

—
01/23/2026

Listed (Active)

KAARMLS #1318890

$110,000
01/13/2026

Active - Not Showing

KAARMLS #1318890

—
01/01/2026

Price Change

KAARMLS #1318890

$89,900
12/24/2025

Listed (Active)

KAARMLS #1318890

$110,000
12/12/2025

Contract - Not Showing

KAARMLS #1318890

—
12/08/2025

Price Change

KAARMLS #1318890

$99,900
10/16/2025

Withdrawn

KAARMLS #1306290

—
10/16/2025

Listed (Active)

KAARMLS #1318890

$110,000
07/10/2025

Active - Not Showing

KAARMLS #1306290

—
06/27/2025

Listed (Active)

KAARMLS #1306290

$119,000
06/18/2025

Withdrawn

REALTRACS #3074707

$110,000
06/18/2025

Withdrawn

KAARMLS #1302912

—
05/30/2025

Listed (Active)

KAARMLS #1302912

$110,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 284 Ray Cross Road

Taxable ValueLand$1,775Additions$12,025Total$13,800
Tax Record2025$375 ($31 / month)
Home Facts
Beds0Total Finished SqFt800 SqFtAbove Grade Finished SqFt640 SqFtFinished Basement SqFt160 SqFtStories1Lot Size43,996 SqFtStyleSingle Family ResidenceYear Built2020CountyMORGANAPN129 02105

Schools near 284 Ray Cross Road

This home is within Morgan County School District.
Rating
School
Type
Grades
Distance
Central Elementary School
Public - PK to 4
Petros Joyner Elementary School
Public - PK to 8
Central Middle School
Public - 5 to 8
Central High School
Public - 9 to 12
Rating
School
Distance
Central Elementary School
PublicPK to 4

Petros Joyner Elementary School
PublicPK to 8

Central Middle School
Public5 to 8

Central High School
Public9 to 12

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of Realty Executives Associates, Brian Howard

The information is being provided by MTRMLS, Inc. Properties marked with the MTRMLS logo are provided courtesy of the RealTracs Internet Data Exchange Program. Information is believed to be accurate but not guaranteed. Information is provided for consumers' personal, non-commercial use, and may not be used for any purpose other than the identification of potential properties for purchase. Copyright 2026 MTRMLS, Inc. All Rights Reserved. Last updated: 03/09/2026 08:28 PM