Affordable Lakefront Living in Union City, Tennessee: 1176 Englewood Lake Cir

Finding an affordable lakefront property can be challenging, especially for buyers who want beautiful water views, outdoor space, and a quieter lifestyle without paying the price typically associated with waterfront real estate. One property currently attracting attention in Union City, Tennessee, offers an interesting combination of affordability, lakefront access, and a comfortable single-level layout.

Located at 1176 Englewood Lake Cir, Union City, TN 38261, this two-bedroom, one-bathroom single-family residence is currently listed for $69,000 following a $20,000 price reduction. The property offers approximately 714 square feet of livable interior space, along with a sunroom, deck, fireplace, and direct lakefront features.

For buyers searching for a smaller home, weekend retreat, affordable lake property, or a place with potential for personalization, this listing deserves a closer look.

1176 Englewood Lake Cir at a Glance

The property is located in the Englewood Lake Community in Union City, Tennessee. It was built in 1960 and has a country-style architectural design with vinyl and wood siding.

Here are some of the key details provided in the listing:

• Listing price: $69,000
• Recent price reduction: $20,000
• Location: 1176 Englewood Lake Cir, Union City, TN 38261
• Bedrooms: 2
• Bathrooms: 1
• Livable interior area: Approximately 714 sq. ft.
• Total structure area: Approximately 1,044 sq. ft.
• Year built: 1960
• Property type: Single-family residence
• Architectural style: Country
• Stories: 1
• Price per square foot: Approximately $97
• Water view: Lake
• Waterfront features: Lake front and lake privileges
• Heating: Propane and wood stove
• Cooling: Ceiling fans and window units
• Water: Public
• Sewer: Septic tank
• Foundation: Slab
• Annual property tax: Reported at $118
• Tax assessed value: $34,400

These details make the property particularly interesting for buyers who prioritize location and outdoor surroundings over having a large interior footprint.

A $20,000 Price Reduction Makes This Property Stand Out

One of the most notable aspects of the listing is the recent price reduction.

The property is now offered at $69,000, after a reported $20,000 price cut on September 4. For buyers who have been watching the Union City real estate market for affordable opportunities, a reduction of this size can make a significant difference in the overall affordability of a property.

At the current asking price, the listing reports approximately $97 per square foot based on the 714-square-foot livable area.

A lower purchase price can also give buyers more flexibility when considering future improvements, depending on their financing, renovation budget, and the property’s condition. However, prospective buyers should always conduct their own inspection and financial analysis before making an offer.

Lakefront Views Are the Main Attraction

The biggest selling point of 1176 Englewood Lake Cir is undoubtedly its relationship with the lake.

The listing describes the property as a lakefront two-bedroom, one-bathroom home in the Englewood Lake Community. It also identifies the property as having a lake view and waterfront features, including lake privileges and lakefront access.

For many homeowners, living near the water is about more than the view. A lakefront setting can provide a more relaxing atmosphere and create opportunities to spend more time outdoors.

The property includes a back deck that overlooks the lake, while steps lead down toward an octagonal deck on the lake. This arrangement creates an outdoor area that could become one of the home’s most enjoyable features.

Whether used for morning coffee, reading, entertaining guests, or simply enjoying the surrounding scenery, outdoor areas like these can significantly influence the character of a smaller home.

Sunroom With Lake Views

Another feature that immediately stands out is the home’s sunroom.

According to the listing, the sunroom measures approximately 232.8 square feet, with dimensions of about 24 feet by 9.7 feet. It provides views of the deck and lake.

For a home with approximately 714 square feet of livable interior space, a generously sized sunroom can add an important sense of openness.

A sunroom can serve many purposes depending on the homeowner’s needs. It could function as a sitting area, reading space, hobby room, dining area, or simply a place to enjoy the lake view throughout the year.

Because the sunroom connects the indoor living environment with the outdoor scenery, it also reinforces one of the property’s strongest characteristics: its lakefront setting.

Open-Concept Living Area With Fireplace

Inside the home, the listing highlights an open-concept living area with a fireplace.

The fireplace includes a wood stove insert, providing an additional heating option alongside the property’s propane heating system.

For buyers interested in a traditional country-home atmosphere, the fireplace can be an appealing feature. It can also contribute to the home’s cozy character, particularly during cooler Tennessee evenings.

The open-concept design may make the main living space feel more connected and functional despite the home’s relatively modest size.

Smaller homes can sometimes benefit from open layouts because there are fewer walls dividing the primary living areas. This can create a more practical environment for everyday living and entertaining.

Two Bedrooms for a Compact Home

The property contains two bedrooms and one bathroom.

The primary bedroom is listed at approximately 91 square feet, with dimensions of around 10 feet by 9.10 feet. The second bedroom is approximately 84.63 square feet, measuring around 9.10 feet by 9.3 feet.

The bedrooms are compact, but their size may be appropriate for buyers specifically looking for a smaller home rather than a large family residence.

A two-bedroom configuration can also offer flexibility. One bedroom could serve as the primary sleeping area while the second could potentially be used as a guest room, home office, hobby room, or additional personal space.

The property’s single-story layout may be another advantage for buyers who prefer to avoid stairs inside the home.

A Country-Style Property in Union City, Tennessee

The home is classified as a single-family residence and features a country architectural style.

Its exterior combines vinyl siding and wood siding, while the home sits on a slab foundation.

The lot is described as having a rolling slope and wooded features, which complements the lakefront environment and gives the property a more natural setting.

For buyers who enjoy the idea of living away from dense urban development, a wooded and lake-oriented property can offer a different lifestyle from a conventional suburban home.

At the same time, prospective buyers should evaluate the terrain, drainage, access, vegetation, and other site-specific conditions during a professional property inspection.

Heating and Cooling Features

The home uses propane and a wood stove for heating.

For cooling, the listing identifies ceiling fans and window units.

These systems are different from the centralized heating and cooling systems found in many newer homes, so buyers should consider their personal comfort preferences and the potential costs of maintaining or upgrading the property’s systems.

A professional inspection can help determine the current condition and expected remaining service life of heating and cooling equipment.

Kitchen Appliances Included

The listing states that the property includes a refrigerator and range.

Having basic appliances included can make the property more convenient for a buyer moving into the home, although buyers should independently verify the condition, age, and operation of each appliance during the inspection process.

For a property priced at $69,000, buyers may also want to consider what additional improvements or updates they would like to make after purchase.

A Small Home With Outdoor Potential

One of the interesting characteristics of 1176 Englewood Lake Cir is the balance between its relatively small interior and its outdoor features.

The home has approximately 714 square feet of livable interior space, but the property emphasizes the lake, deck, sunroom, and surrounding wooded setting.

This could appeal to people who believe that a home’s value is not determined exclusively by interior square footage.

For example, someone looking for a weekend getaway may prefer a smaller lakefront property that provides outdoor recreation and relaxation instead of a much larger home located farther from the water.

Similarly, buyers who want to simplify their lifestyle may appreciate a smaller footprint with fewer rooms to maintain.

Potential Uses for the Property

Different buyers may see different possibilities in this home.

A buyer searching for a primary residence could appreciate the two-bedroom layout and lakefront setting.

Someone looking for a second home could be interested in having a smaller property where they can spend weekends or holidays.

The home could also attract buyers interested in a lake retreat, particularly those who value outdoor space and water views.

Another possibility is purchasing the property as a long-term real estate asset, although buyers considering rental or investment strategies should independently research local regulations, insurance requirements, financing costs, taxes, maintenance expenses, and the actual rental demand in the area.

The listing itself should not be treated as a guarantee of rental income or investment returns.

Why the Property May Appeal to Budget-Conscious Buyers

The current $69,000 asking price places this property in a price range that may be more accessible than many lakefront homes.

The recent $20,000 reduction makes the listing particularly noteworthy for buyers who are actively comparing affordable properties.

Of course, the purchase price is only one part of the total cost of homeownership.

Buyers should also budget for property insurance, utilities, maintenance, potential repairs, closing costs, taxes, and any renovations they may want to undertake.

Because the property was built in 1960, an inspection is especially important. Older homes can have characteristics that differ from newer construction, and buyers should understand the condition of the roof, foundation, electrical system, plumbing, windows, heating and cooling equipment, septic system, and other major components before completing a purchase.

What Buyers Should Check Before Making an Offer

Anyone considering this property should perform careful due diligence.

A professional home inspection should be one of the first steps. Buyers should pay particular attention to the home’s age, foundation, roof, electrical and plumbing systems, heating and cooling equipment, and overall structural condition.

Because the property is described as lakefront, buyers should also investigate the exact boundaries of the waterfront area and understand what rights and privileges are included with the property.

The listing mentions both lake front and lake privileges, but buyers should verify the precise legal details in the property documents.

The property also uses a septic tank, so prospective owners may want to investigate the septic system’s age, condition, maintenance history, and inspection requirements.

These steps can help buyers make a more informed decision and avoid unexpected expenses after closing.

Understanding the Location: Union City, Tennessee

Union City is located in northwest Tennessee and serves as a regional community in the surrounding area.

For buyers interested in this property, the location may be just as important as the house itself. Anyone considering a move should evaluate access to employment, shopping, healthcare, schools, restaurants, recreation, and other daily necessities.

The property’s location within the Englewood Lake Community provides a distinct lifestyle centered around the lake and surrounding natural environment.

Potential buyers should visit the property personally at different times of day if possible. Experiencing the neighborhood, roads, surrounding properties, lake views, and general atmosphere firsthand can provide information that photographs and listing descriptions cannot fully communicate.

Is 1176 Englewood Lake Cir Worth Considering?

For the right buyer, this property could be an interesting opportunity.

Its strongest features are the $69,000 asking price, $20,000 recent price reduction, lakefront setting, lake views, sunroom, outdoor decks, fireplace, and two-bedroom layout.

The home is not a large property, and buyers should not expect the interior space of a conventional modern family home. Instead, the appeal is centered around its location, outdoor environment, and relatively low asking price.

That combination could make it worth considering for someone looking for an affordable lakefront residence or a smaller retreat.

However, affordability should always be evaluated alongside condition. A low purchase price does not necessarily mean low total ownership costs. Inspection results, insurance, maintenance, repairs, and potential renovations should all be included in the buyer’s financial calculations.

Final Thoughts

1176 Englewood Lake Cir in Union City, Tennessee, is a distinctive lakefront property currently listed at $69,000. With two bedrooms, one bathroom, approximately 714 square feet of livable space, and a collection of outdoor features, the home offers a different proposition from larger and more expensive properties.

Its lakefront setting is the central attraction. The sunroom provides views toward the lake and deck, while the back deck and octagonal lake deck create additional outdoor areas. Inside, the open-concept living area and fireplace contribute to the home’s country-style character.

The recent $20,000 price reduction also makes the property particularly interesting to buyers searching for affordable real estate in Tennessee.

At the same time, prospective buyers should approach the purchase carefully. The home dates to 1960, uses propane and a wood stove for heating, has window-unit cooling, and relies on a septic tank. A thorough inspection and careful review of the property’s legal, financial, structural, and waterfront details are essential before making a final decision.

For buyers who value lake views, outdoor living, a quiet setting, and an affordable purchase price, this Union City property may deserve a place on their list of homes to investigate.

Ultimately, the best way to determine whether 1176 Englewood Lake Cir is the right property is to visit it, inspect the home, research the surrounding community, and compare it with other lakefront and affordable homes currently available in the Union City area.

Property details are based on the listing information provided and should be independently verified with the listing agent and appropriate professionals before making a purchase decision.

From Zillow