The short answer
Homes at Tennessee National, the gated lake and golf community on Watts Bar Lake in Loudon, Tennessee, are custom built, so you can plan for a single-level or step-free home. Two things decide whether it works: the homesite, because one level needs a wider and flatter building area, and design review. Ask for the current design guidelines before you draw.

Key facts
- Homes at Tennessee National are custom built and go through design review.
- A single-level plan needs a wider building area than a two-story plan with the same living space.
- There is no deadline to build after you buy a homesite at Tennessee National.
- Tennessee National is a golf cart community, so plan garage space for a cart.
- Tennessee National is not age restricted.
Most buyers picture the first five years in a lake home. Fewer picture year fifteen.
That gap is where good design pays off. If you are planning a custom home at Tennessee National, the gated community on Watts Bar Lake in Loudon, Tennessee, decide early whether you want everything you use daily on one floor. It is far easier to draw in now than to add later.
What is a single-level or step-free home?
A single-level home puts the kitchen, the main living space, the laundry and the main bedroom on one floor. A step-free home goes further, with no stairs between the garage or porch and that main floor.
You can still have a guest loft or a lower level. The point is that daily life never needs the stairs.
The benefits are practical:
- No stairs in your routine. Laundry, groceries and a tackle box all get easier.
- A house you can stay in. You build once instead of planning a later move.
- Easy for guests. Anyone who would rather skip stairs can visit comfortably.
- Simple flow. A wide, low plan connects well to porches and patios.
The trade-off is footprint. One level takes more ground than two. That makes the homesite part of the design decision, not a separate step.
Which homesites suit a single-level plan?
Wider, gentler ones. A single-level plan spreads out, so it needs a building area with enough width and not too much slope.
Walk the homesite before you draw anything. Look at how the land falls, which way the view faces and where the driveway would land. A gentle site suits a true one-level plan. A steeper site may call for a walkout lower level, with the daily rooms on the entry floor and guest space below.
Then check the drawing. Setbacks and easements shrink the area you can build on, and a wide plan feels that first. How to read a lot survey shows how to find the buildable area.
Tennessee National has wooded homesites in The Timbers, lake homesites and waterfront homesites. Tell the land consultant you want main-level living and ask which homesites have the room for it.
What design choices make a home easier to live in for the long run?
The ones that are cheap on paper and costly to change later.
| Choice | Why it helps |
|---|---|
| Main bedroom, bath and laundry on the entry level | Daily life stays on one floor |
| A no-step entry from the garage or porch | Easier with groceries, luggage and anything on wheels |
| Wider doorways and halls | Furniture moves easily and rooms feel open |
| A walk-in shower with no curb | Simple to use and simple to clean |
| Layered lighting | Good light at counters, entries and paths |
| Lever handles and rocker switches | Easy with full hands |
| A garage with room for a golf cart | Tennessee National is a golf cart community |
Your builder and designer will have opinions. Bring a written list anyway. How to design a forever home has a longer one.
What should you ask design review before you draw?
Ask for the current design guidelines first. Homes at Tennessee National go through design review, and the guidelines are the only reliable source for what a plan has to meet.
We do not list the rules in this post. Ask the land consultant for the current guidelines and HOA documents, and look for anything on home size, height, roof shape and garages. Then give them to your designer before the first sketch. How to review HOA documents and CC&Rs explains what else is in the stack.
Do you have to build right away?
No. There is no deadline to build after you buy a homesite at Tennessee National.
That helps this kind of planning. You can own the land for a season or two and watch how the light moves. You can decide whether the main rooms should face the water, the course or the trees. You can talk with builders without a clock running.
Do not let the missing deadline turn into drift. Set your own date. A plan on paper by a date you choose keeps the project real.
Does a single-level home cost more to build?
Often it costs more per square foot than a two-story home of the same size. One level means a larger roof and a larger foundation for the same living space. Slope adds to that if the site needs more foundation work.
Your builder's numbers for your plan on your homesite are the ones that matter. We do not print build costs. Homesite pricing is in the info pack.
What if you want one level without a custom build?
Look at what is already built or packaged. Land & Home packages and townhomes are two of the five ways to own, and finished homes are listed on the properties page. Ask what each includes and which ones have the main bedroom on the entry level.
The honest trade-off
One level asks more of the land. On a sloped lake or wooded homesite, you may not get a fully step-free plan and the best view from the same spot. Sometimes the answer is a walkout design. Sometimes it is a different homesite.
Decide which matters more before you choose the land. Then walk it. A floor plan cannot tell you what the ground will allow.
Frequently asked questions
Can you build a one-story home at Tennessee National?
Homes at Tennessee National are custom built, so you can plan a one-story layout. Plans go through design review, which has the final say, and the homesite has to have enough building area. Ask for the current design guidelines and walk the homesite first.
Does a single-level home need a bigger lot?
A single-level home needs a wider building area than a two-story home with the same living space. Setbacks, easements and slope all reduce that area. At Tennessee National, ask the land consultant which homesites have room for the plan you want.
Is Tennessee National age restricted?
No. Tennessee National is not age restricted and is open to buyers of any age. A single-level or step-free plan is a design choice that makes a home easier to live in, and any owner can ask a designer for one.
What is a step-free entry?
A step-free entry is a way into the house with no stairs, usually from the garage or a covered porch to the main floor. A step-free entry is easiest to build on a gentle homesite, so ask about it before you choose land at Tennessee National.
Facts about Tennessee National come from the community. Lake facts come from TVA. Rules, taxes, loans and insurance change, so confirm anything that affects a purchase with the right office or professional before you buy.