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
Single-familyProperty Type
2020Year Built
1.01 acresLot Size
$168Est. Price/Sq.Ft.
Listed by Brian Howard• Realty Executives Associates
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
Year
Property tax
Land + Additions
Assessment*
2025
$375
2024
$375 (+11.6%)
2023
$336 (+8.7%)
2022
$309
Tax history for 284 Ray Cross Rd
Year
Property tax
Land + Additions
Assessment*
2025
$375
2024
$375 (+11.6%)
2023
$336 (+8.7%)
2022
$309
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Beds
—
Baths
1
Stories
1
Lot width
—
Lot depth
—
Lot size
1.01 Acres
Year renovated
2020
Sq. Ft.
640
Year built
2020
Style
Single Family Residential
County
Morgan County
APN
129 02105 000
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Oct 22, 2026.
Property details
Parking
Parking Information
Parking Total: 0
Interior
Bedroom Information
# of Bedrooms: 1
Bathroom Information
# of Full Baths (Total): 1
Room 1 Information
Room Type: Kitchen
Room Features: Pantry
Room 2 Information
Room Type: Other Room
Room Features: Utility Room
Laundry Room Information
Laundry Features: Washer Hookup, Electric Dryer Hookup
Middle Or Junior High School: Central Middle School
High School: Central High School
Location Information
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.
Topography: Rolling Slope
Public facts
Beds: —
Baths: 1.0
Sq. Ft.: 640
Stories: 1.0
Lot Size: 1.01 acres
Style: Single Family Residential
Year Built: 2020
Year Renovated: 2020
County: Morgan County
APN: 129 02105 000
Home facts updated by county records on Oct 22, 2026
Other
Green Information
Green Energy Efficient: Windows
Home Information
Living Area: 992
Living Area Units: Square Feet
Living Area Source: Owner
Building Area Total: 992
Building Area Units: Square Feet
Building Area Source: Owner
Year Built Details: Existing
Levels: One
Around this home
Schools
Central Middle School
Public 5-8 • Assigned • 3.8mi
4/10
Central High School
Public 9-12 • Assigned • 5.5mi
4/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.62% chance of being in a wildfire in next 30 years
4/10 Heat Factor
7 days above 103° expected this year, 17 days in 30 years
2/10 Wind Factor
3% chance of strong winds in next 30 years
3/10 Air Factor
2 unhealthy days expected this year, 3 days in 30 years
Provided by First Street
Historical weather
Harriman, TN • 37748
Average low and high temperatures (°F)
45
26
55
33
69
42
76
52
77
58
86
66
90
72
86
67
82
62
74
51
63
43
52
34
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.1 hours in
June and 3.9 hours in December, placing it below the
U.S. average for solar exposure.