425 Settlers Way
Gray, TN 37615

$825,000

Price

Beds

Baths

4,345 Sq. Ft.

$190 / Sq. Ft.

4,345

Sq. Ft.

$190

per Sq. Ft.

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Pending

Description

Some homes check the boxes. Others redefine how you live. Welcome to 425 Settlers Way, where thoughtful upgrades, flexible living space, & a setting that actually gives you room to breathe come together in a way that just feels right. Situated on an oversized ~0.8 acre lot in one of Gray's most desirable pockets, this home delivers something increasingly rare: true main-level living paired with meaningful square footage that adapts to your life. Step inside & you'll feel the flow immediately. The...Some homes check the boxes. Others redefine how you live. Welcome to 425 Settlers Way, where thoughtful upgrades, flexible living space, & a setting that actually gives you room to breathe come together in a way that just feels right. Situated on an oversized ~0.8 acre lot in one of Gray's most desirable pockets, this home delivers something increasingly rare: true main-level living paired with meaningful square footage that adapts to your life. Step inside & you'll feel the flow immediately. The main living area (where a cozy fireplace adds warmth & character) opens seamlessly into the kitchen & dining space, anchored by a large island designed for real life: morning routines, catch-ups, & everything in between. Updated appliances (2020), a farmhouse sink, & clean finishes bring both style & function, while subtle design touches like the West Elm gold finishes elevate without overdoing it. The main level features 3 bedrooms, including a private primary suite with custom barn doors that add just the right amount of character. Everything about this level is designed for ease, comfort, & everyday livability. But this home doesn't stop at the main level, it expands in both directions, upstairs & down, each offering its own fully functional spaces. Upstairs, a F. R. O. G. (Finished Room Over Garage) is a true ensuite setup with full bath, closet, & bedroom, perfect for guests, a private office, or a tucked-away retreat. Just off this space, you'll find hundreds of square feet of walkout attic storage, giving you easy-access, highly usable space that's rarely found in most homes. Downstairs is where the opportunity really opens up. Finished just 2 years ago, the lower level, thoughtfully designed with separate entrance, has generated rental income. Complete with its own kitchenette (fridge, range, microwave, sink), full bath, bedroom, living room, gym w/mirrors (easily a 2nd bedroom), almost 200 sq ft of unfinished storage, & a dedicated garage ideal for storing everything from tools to toys: this level works for multi-generational living, income potential, or for giving everyone their own space. Step outside to the lower patio & you've got a completely separate living experience. Altogether, this home offers the potential for up to 6 bedrooms across all levels, without ever feeling cramped. Multiple living zones create separation when you want it, while still keeping everyone connected when it matters most. And then there's the outside. The backyard has been intentionally reworked to create usable, flat space, complete with a retaining wall with stone end caps, a firepit area that's ready for evenings with friends, & nights that linger longer. A full irrigation system keeps everything looking its best. A covered deck (almost 270 sq ft) extends your living space outdoors, with seamless indoor-outdoor flow, making it just as functional as the inside. Now layer in the seller's upgrades that make everyday living not just easier, but smarter. Solar panels installed in 2022 through Greene Tech work quietly in the background to offset energy costs, while the EV charger (tied directly into that solar system) positions the home for where things are going. A Nest thermostat brings modern control & efficiency to your comfort, & a 500-gallon propane tank fuels the range, water heater, & outdoor grill, giving you both performance & reliability where it matters most. Even the garage has been thoughtfully considered, with built-in shelving that will remain, because storage isn't just about space, it's about usability. And the location ties it all together. This is why people choose Gray: 19min to Johnson City Med Center, 19min to Eastman HQ, 12min to TRI, & 10min to Boone Lake. All while still enjoying privacy that's hard to find. This isn't just a house with space, it's a home with options. Live on the main. Host upstairs. Income downstairs. Or simply spread out & enjoy it all. Info deemed reliable but not guaranteed. Buyer/Buyer Agent to verify

Listed by Ryan & Sarah McKinney • KW Johnson City

Property Details for 425 Settlers Way

Architectural Style

Farmhouse, Craftsman, Traditional

Zoning

Subdivision

Daniels Trail

LISTING UPDATED: 04/05/2026 08:33 PM

Property Details for 425 Settlers Way

Status	Pending
MLS #	9993219
Days on Market	4
Taxes	$2,671 / year
HOA Fees	$165 / month
Condo/Co-op Fees	-
Property Type	Single Family
MLS Type	Residential / Single Family Residence
Year Built	2013
Lot Size	0.80 AC / 34,848 SF
County	Washington County

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Location

Listing Courtesy of KW Johnson City, Ryan & Sarah McKinney (423.773.1607)

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Building Information for 425 Settlers Way

Stories1Year Built2013Building Size-Lot Size0.80 AC / 34,848 SF

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$4,542 per month

30 year fixed, 6.46% Interest

Principal and Interest

$4,154

Property Taxes

$223

HOA Dues

$165

The Payment Calculator is for illustrative purposes only.

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Property Information for 425 Settlers Way

Summary

Location and General Information

City: Gray
County: Washington

Directions: From Hwy 36/N Roan St turn onto Free Hill Rd for 1.4mi. Turn right onto Settlers Way for 0.3mi until you come to the home on the left side of the culdesac.
Latitude: 36.42
Longitude: -82.45
Postal Code: 37615
State Or Province: TN
Topography: Level, Rolling Slope
MLS Area Major: 307 - Gray/Boones Creek
MLS Area Minor: 307 - Gray/Boones Creek
General Property Description : Zoning: RS

Taxes and HOA Information

Tax Book Number: 1038
Association/Amenities: Landscaping

Association Fee Frequency: Annually
Association: Yes
Parcel Number: 012f F 02900 000
Association Fee: 165.0
General Property Description : Deed Book: 1038
General Property Description : Deed Page: 1480
Location Tax Legal Info : City Taxes: $.00
Location Tax Legal Info : County Taxes: $2,671.02
General Property Description : HOA Fee: $165.00

School Information

High School: Daniel Boone
Middle Or Junior School: Gray

Elementary School: Gray

Parking

Garage Spaces: 2.00
Attached Garage: Yes

Property

Lot Information

Lot Size Dimensions: .80
Lot Size Square Feet: 34,848.00

Lot Size Acres: 0.8
Lot Size Area: .80
Lot Size Units: Acres
Living Area: 4,345.00
Building Area Total: 4,752.00
General Property Description : Acres: .80
General Property Description : Above Grade SqFt: 2826.0
General Property Description : Total SqFt Unfinished: 407.0
SqFt Details : Finished SqFt Level: 2075
SqFt Details : Finished SqFt Level: 751
SqFt Details : Basement Total SqFt: 1680
SqFt Details : Garage Total SqFt: 822

Property and Assessments

Property Condition: Above Average
Property Type: Residential,Single Family Residence

Year Built: 2013
Property Sub Type: Single Family Residence
Property Type Label: Residential
New Construction: No

Utilities

Utilities: Electricity Connected, Propane, Sewer Connected, Water Connected, Cable Connected
Sewer: Public Sewer

Water Source: Public

Interior and Exterior Features

Interior Features

# Fireplaces: 1
Cooling: Heat Pump

Fireplace Features: Gas Log, Great Room
Foundation Details: Block
Interior Features: Primary Downstairs, Entrance Foyer, Granite Counters, Kitchen Island, Open Floorplan, Pantry, Soaking Tub, Utility Sink, Walk-In Closet(s), See Remarks
Laundry Features: Electric Dryer Hookup, Washer Hookup
Bathrooms Total Decimal: 4.00
Basement: Block, Exterior Entry, Garage Door, Heated, Interior Entry, Unfinished, Walk-Out Access, Workshop
Flooring: Carpet, Ceramic Tile, Hardwood, Luxury Vinyl
Rooms Total: 11
Bathrooms Total Integer: 4
Bathrooms Total Notational: 4.00
Cooling: Yes
Heating: Yes
Levels: Three Or More
Stories: 1
General Property Description : Stories: 1
Fireplace: Yes
BedroomsTotal: 6
Bathrooms Full: 4
Bathrooms Half: 0
Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
Fireplace : Gas Log: Yes
Fireplace : Great Room: Yes
Other Rooms : Workshop: Yes

Exterior Features

Exterior Features: See Remarks
Construction Materials: Brick, Stone Veneer, Vinyl Siding

Parking Features: Driveway, Attached, Concrete, Garage Door Opener
Patio And Porch Features: Back, Covered, Deck, Front Porch, Rear Patio
Roof: Shingle
Window Features: Double Pane Windows
Heating : Heat Pump: Central, Fireplace(s), Heat Pump
Walls : Drywall: Yes
Roof : Shingle: Yes
Exterior Finish : Brick: Yes

Property History for 425 Settlers Way

Date	Event & Source	Price	Appreciation
Apr 5, 2026	Contract - Not Showing Tennessee Virginia Regional MLS #9993219		—
Apr 2, 2026	Listed (Active) Tennessee Virginia Regional MLS #9993219	$825,000	—
Nov 24, 2020	Closed Tennessee Virginia Regional MLS #9912742	$417,580	—
Oct 23, 2020	Contract - Not Showing Tennessee Virginia Regional MLS #9912742		—
Oct 9, 2020	Listed (Active) Tennessee Virginia Regional MLS #9912742	$439,900	—
Aug 28, 2020	Closed (Public Record) Public Record #683617419	$417,580	+2.7% / yr
Aug 22, 2014	Closed Tennessee Virginia Regional MLS #349307	$355,000	—
Aug 20, 2014	Closed (Public Record) Public Record #433626377	$355,000	+279.3% / yr
Aug 15, 2014	Contract - Not Showing Tennessee Virginia Regional MLS #349307		—
Jun 18, 2014	Price Change Tennessee Virginia Regional MLS #349307	$359,900	—
Jun 4, 2014	Listed (Active) Tennessee Virginia Regional MLS #349307	$364,900	—
Mar 1, 2013	Closed (Public Record) Public Record #354300114	$50,000	—

Date	Event & Source	Price
04/05/2026	Contract - Not Showing Tennessee Virginia Regional MLS #9993219	—
04/02/2026	Listed (Active) Tennessee Virginia Regional MLS #9993219	$825,000
11/24/2020	Closed Tennessee Virginia Regional MLS #9912742	$417,580
10/23/2020	Contract - Not Showing Tennessee Virginia Regional MLS #9912742	—
10/09/2020	Listed (Active) Tennessee Virginia Regional MLS #9912742	$439,900
08/28/2020	Closed (Public Record) Public Record #683617419	$417,580 +2.7% / yr
08/22/2014	Closed Tennessee Virginia Regional MLS #349307	$355,000
08/20/2014	Closed (Public Record) Public Record #433626377	$355,000 +279.3% / yr
08/15/2014	Contract - Not Showing Tennessee Virginia Regional MLS #349307	—
06/18/2014	Price Change Tennessee Virginia Regional MLS #349307	$359,900
06/04/2014	Listed (Active) Tennessee Virginia Regional MLS #349307	$364,900
03/01/2013	Closed (Public Record) Public Record #354300114	$50,000

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

Public Records for 425 Settlers Way

Taxable ValueLand$18,300Additions$137,900Total$156,200

Tax Record2025$2,671 ($223 / month)

Home Facts

Beds0Baths3Total Finished SqFt2,734 SqFtAbove Grade Finished SqFt2,526 SqFtFinished Basement SqFt208 SqFtUnfinished Basement SqFt1,680 SqFtStories2Lot Size34,848 SqFtStyleSingle Family ResidenceYear Built2013CountyWASHINGTONAPN012F F 02900

Schools near 425 Settlers Way

This home is within Washington County School District.


Rating	School	Type	Grades	Distance
6/10	Gray Elementary School	Public - Serves this home	PK to 8	1.7 mi
6/10	Daniel Boone High School	Public - Serves this home	9 to 12	4.1 mi
NR	Boones Creek Middle School	Public - Nearby school	5 to 8	3.8 mi
NR	Boones Creek Elementary School	Public - Nearby school	PK to 4	3.9 mi
4/10	Tennessee Virtual Learning Academy	Public - Nearby school	3 to 12	7.7 mi
NR	Jonesborough Middle School	Public - Nearby school	5 to 8	8.5 mi


Rating	School	Distance
6/10	Gray Elementary School PublicPK to 8 Serves this home	1.7 mi
6/10	Daniel Boone High School Public9 to 12 Serves this home	4.1 mi
NR	Boones Creek Middle School Public5 to 8 Nearby school	3.8 mi
NR	Boones Creek Elementary School PublicPK to 4 Nearby school	3.9 mi
4/10	Tennessee Virtual Learning Academy Public3 to 12 Nearby school	7.7 mi
NR	Jonesborough Middle School Public5 to 8 Nearby school	8.5 mi

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 KW Johnson City, Ryan & Sarah McKinney (423.773.1607)

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: 04/05/2026 08:33 PM

425 Settlers WayGray, TN 37615

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425 Settlers Way
Gray, TN 37615