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Tims Ford Lake · Franklin & Moore Counties · Live MLS

Tims Ford Lake Homes for Sale

Every active home on and near Tims Ford Lake, straight from the local Franklin County MLS and refreshed daily — from lake-access cottages to full-time waterfront residences. On this lake, "lake access" and "waterfront" are two very different buys, so filter by access type, price, and beds below.

$344,900Median list price
43Median days on market
11.1Months of supply

189 homes found

Narrow the lake search

Waterfront homes· Lake lots & land· Tims Ford Lake guide· All Winchester homes· Winchester market report

How the lake prices out by access type

On Tims Ford, your budget question is really an access-type question. These are qualitative bands — live pricing is in the grid above.

Band · What it means · Narrow to

Lake-access · Off-water homes with deeded easement, community dock, or shared ramp — real lake use without waterfront pricing. · All lake homes above

Waterfront premium · True dockable waterfront where the parcel meets the water and a dock is in play. · Waterfront homes →

View / upper end · View-only homes and estate-level waterfront — thinner, more seasonal inventory. · Lake lots & land →

Where lake listings cluster

What to check before you offer

Waterfront vs. lake-access

Docks, shoreline & TVA Section 26a

TVA — not the seller — controls the shoreline. Confirm an existing dock carries a valid, transferable TVA permit, or that a new dock is permittable. The reservoir normally moves about 15 feet between summer full pool and winter drawdown.

Financing, insurance & lake costs

Most lake homes run on septic and some on wells. Confirm flood-zone status and insurance. Line up a lender who understands lake and rural properties early.

  • Waterfront

    Waterfront

  • Lake access

    Lake access

  • View

    View

Tims Ford Lake homes FAQ

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What does "lake access" mean on Tims Ford Lake listings?

It means the home is not on the water but carries a right to reach it — a deeded easement, community dock, or HOA frontage. It is not the same as waterfront. Before you offer I confirm exactly what's conveyed on paper. See the Tims Ford Lake guide for the full breakdown.

How much do Tims Ford Lake homes cost?

It depends far more on access type than square footage. True dockable waterfront sits at the top; lake-access homes deliver real lake use at a discount; view-only costs less again. Compare within the right bucket. Use the grid above and the market report for live pricing.

Should I buy on Tims Ford Lake or in Winchester town?

If the lake is the reason you're moving, waterfront or strong lake-access is worth the premium. If you want the lake nearby but not the premium, in-town Winchester puts you minutes from the water with more predictable pricing. Compare the same budget both ways — all Winchester homes alongside the lake grid above.

Know what you're buying before you fall for the view

Tell me how you'll use the lake, and I'll set up a live search and run the dock, access, and shoreline diligence a portal can't.