103 Shady Oaks Road

FOR SALE OR FOR RENT | ASSUMABLE 5.375% LOAN + $4,000 IN SELLER CONCESSIONS Some homes make you choose between space and a layout that actually makes sense. This one gives you both, plus more than one way to make it yours. Assume the seller's 5.375% loan and skip today's rates (subject to servicer approval), with $4,000 in seller concessions on top. Assumable not the right fit? This home qualifies for First Horizon Bank's Affordable Housing Program: low down payment, no PMI, and possible down payment grants of up to $8,000 for first responders, healthcare workers, and educators, or up to $7,000 through the Homebuyer Grant Program. Their Home Start Mortgage also allows up to 100% financing with no mortgage insurance for eligible buyers. Not ready to buy? This home is also available for rent for $2200 a month. Built in 2022 and freshly painted, this 4-bedroom home sits on a corner lot in Neills Pointe. A flexible main-floor room is ready to be an office, playroom, or dining space. The kitchen anchors everything with a large island, plenty of cabinets and counter space, stainless appliances, and an open connection to the living area, so cooking dinner doesn't mean disappearing from everyone else. High ceilings, recessed lighting, and luxury vinyl flooring keep the main level bright and open. Upstairs, four generously sized bedrooms include a primary suite with double vanity, walk-in shower, soaking tub, and walk-in closet. Outside, the fully fenced, level backyard is ready for dogs, kids, grilling, or a garden. New carpet, a patio, a covered front porch, and main-level laundry round it out. No renovation list. No figuring out where everyone fits. Just unpack and start living. Grant and program eligibility is based on buyer income and census tract and is subject to First Horizon guidelines and credit approval. Some photos are virtually enhanced.