The short answer
Yes. Townhomes are one of five ways to own at Tennessee National, the private, gated lake and golf community on Watts Bar Lake in Loudon, Tennessee. The others are wooded homesites in The Timbers, lake homesites, waterfront homesites and Land & Home packages. Ask the land consultant whether a townhome is finished or still to be built and what is available now. Finished homes are listed on the properties page.
Key facts
- Townhomes are one of five ways to own at Tennessee National.
- The other four are The Timbers, lake homesites, waterfront homesites and Land & Home packages.
- Finished homes at Tennessee National are listed on the properties page.
- There is no deadline to build after you buy a homesite at Tennessee National.
- Tennessee National is not age restricted.
- Inside the gates: a Greg Norman Signature golf course and a full-service marina with 140+ boat slips.
Most people picture a custom home on its own homesite when they think about Tennessee National. That is one way in. It is not the only one.
Tennessee National, the private, gated community on Watts Bar Lake in Loudon, Tennessee, has five ways to own, and townhomes are one of them. If you want the lake, the golf and the neighbors without managing a custom build from scratch, a townhome is one option to ask about.
What are the five ways to own at Tennessee National?
The five ways to own are The Timbers, lake homesites, waterfront homesites, Land & Home packages and townhomes.
| Way to own | What it is | A good first question |
|---|---|---|
| The Timbers | Wooded homesites | How do slope and trees shape where a house can sit? |
| Lake homesites | Homesites named for their lake setting | What view and water access does this one have? |
| Waterfront homesites | Homesites named for the waterfront | Where is the property line, and what do TVA and the community allow at this shoreline? |
| Land & Home packages | A homesite and a home offered as a package | Who builds it, and what is included? |
| Townhomes | Attached homes | What do the dues cover, and what do I maintain? |
Finished homes of any kind are listed on the properties page.
How is a townhome different from building a custom home?
A townhome is a home you choose. A custom home is a project you run. Ask whether the townhome you are looking at is finished or still to be built.
On the custom path you buy a homesite, work with a designer and a builder, take plans through design review and manage the build. There is no deadline to build after you buy a homesite, so the schedule is yours. That freedom is the appeal. It is also the work.
| Homesite and custom build | Townhome | |
|---|---|---|
| What you decide | The site, the plan and the finishes | Mostly which home |
| When you can live there | When you and your builder finish | Ask what is available now |
| Outdoor space | Your own yard | Usually less |
| Design control | High, within design review | Lower. Ask what exterior changes are allowed |
| Upkeep | Yours | Ask what the association handles |
What should you ask before buying a townhome?
Ask what you own, what you pay and what you maintain. A townhome shares walls and often shares costs, so the documents matter more than they do for a house on its own land.
- What are the dues for this townhome, and what do they cover? Roof, exterior, landscaping? Get the answer in writing. We do not print fees here. Pricing is in the info pack.
- What does the association insure, and what do I insure? Take the answer to an insurance agent.
- What do the HOA documents say about exterior changes, parking, pets and rentals? How to review HOA documents and CC&Rs shows what to read.
- Where does the golf cart go? Tennessee National is a golf cart community. Ask about parking and charging.
- Where does the boat go? The marina has 140+ boat slips. Ask the marina about current availability.
- How is it financed? A finished home is usually financed differently from land. Ask a lender.
Do townhome owners get the same community?
The amenities are the same whatever you own. What access you get is a membership question for the club. Inside the gates:
- The Greg Norman Signature golf course. 18 holes, 7,393 yards, par 72.
- The full-service marina with 140+ boat slips.
- The clubhouse with Kendall's restaurant.
- The pool, the fitness center, pickleball, tennis and walking trails.
- 22 social clubs and 180+ events a year.
Golf membership questions go to the club, whatever you own. See amenities for the full list.
Is a townhome easier to lock and leave?
Usually, yes. Less yard and less exterior mean less to arrange when you are away. That matters if you travel often or split the year between two places.
Do not assume the details. Ask what the association handles while you are gone and what stays on your list. Lock-and-leave living at Tennessee National covers what to plan for.
How do you choose between a townhome and a homesite?
Ask yourself one question. Do you want a project, or do you want to be living here sooner?
If you love the idea of shaping every detail and you are in no hurry, a homesite and a custom build is a rewarding path. If you would rather skip the build and have less to look after, a finished home or a finished townhome is the simpler one. Ask what a Land & Home package includes to see where it falls between the two.
The best way to know is to walk both. Stand on a homesite. Then walk through a townhome, if one is available to see. The difference is easier to feel than to read about.
The honest trade-off
A townhome gives up some things. You share walls. You have less yard and less privacy. You have less say over the outside of the building. And the dues and rules for a townhome can differ from those for a detached home, so read them before you fall for the floor plan.
One more honest point. A blog post cannot tell you what is available this month. Check the properties page or ask the land consultant.
Frequently asked questions
Are there townhomes for sale at Tennessee National right now?
Townhome availability at Tennessee National changes, so this post does not list it. Finished homes, including any townhomes for sale, are listed on the properties page. The land consultant can tell you what is available now.
What do the dues cover for a Tennessee National townhome?
The dues and what they cover are in the HOA documents and budget for that townhome. We do not publish them in blog posts because they change. Ask the Tennessee National land consultant for the current documents and read them before you make an offer.
Can you keep a golf cart at a Tennessee National townhome?
Tennessee National is a golf cart community, and residents use carts to get around inside the gates. Ask where a cart parks and charges at the specific townhome you are considering, and check the HOA documents for any parking rules.
Is Tennessee National age restricted?
No. Tennessee National is not age restricted and is open to buyers of any age. That applies to townhomes, homesites and every other way to own at Tennessee National.
What is a Land & Home package at Tennessee National?
A Land & Home package is one of the five ways to own at Tennessee National. As the name says, it combines a homesite and a home. Ask the land consultant who builds the home, which plans are offered and what is included, and get the answers in writing.
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.