406 Cottonwood Dr, Nashville, TN 37214
406 Cottonwood Dr, Nashville, TN 37214, is a 3-bedroom, 2-bath, 1,246 sq ft home in Cloverhill, built in 1953, for sale at $399,999 ($321/sq ft), about 11% above 14 like-for-like sales in Cloverhill; listed June 25, 2026.
For sale · $399,999
MLS #3251659 · listed June 25, 2026 · 142 days on market · updated October 9, 2026
Listing details checked .
Is 406 Cottonwood Dr priced right? The quick read
406 Cottonwood Dr is a 3-bedroom, 2-bath, 1,246 sq ft home in Cloverhill, Nashville, TN 37214, offered at $399,999 ($321/sq ft).
It is priced at $321/sq ft, about 11% above 14 3-bedroom sales of similar size (935 to 1,558 sq ft) in Cloverhill over the 12 months to November 10, 2026 (Median $289/sq ft).
In Cloverhill, 29 homes sold in the 12 months to November 10, 2026 at a Median $325,000 ($288/sq ft, all sizes), 98% of list. 11 are for sale there now, about 4.6 months of supply at 2.4 sales a month.
All-in, about $2,756/mo at 20% down (7.50% 30-year fixed).
School zone: assigned to Hickman Elementary, Donelson Middle, McGavock Comp High School. Attendance zones can change; verify current assignment with the district.
Next step: ask Grant Hammond about 406 Cottonwood Dr: comparable sales, HOA, a tour. He replies personally.
Analysis by Grant Hammond, Compass RE. Figures as of November 10, 2026, from Realtracs closings and listings via IDX and the MLS import.
More context: homes for sale in Nashville.
Description of 406 Cottonwood Dr
406 Cottonwood Dr is a 1-story Country home built in 1953, with 3 bedrooms, 2 baths and 1,246 sq ft. Listed details include aluminum siding construction, a basement and a balcony.
Listing agent's remarks
IF YOU WNAT TO BE CLOSE TO SCHOOLS ,THE AIRPORT (BNA)
Written by the listing agent and shown as published in Realtracs, via the Realtracs Internet Data Exchange. Grant Hammond has not verified these statements.
Property details for 406 Cottonwood Dr
Complete reported fields for 406 Cottonwood Dr (reference).
All 32 property fields
Price history of 406 Cottonwood Dr
| Date | Event | Price |
|---|---|---|
| Listed | $399,999 | |
| Quitclaim deed | No price recorded | |
| Deed recorded | $59,000 | |
| Deed recorded | $42,000 | |
| Deed recorded | $21,000 | |
| Deed recorded | $30,500 |
Listed June 25, 2026, this listing has been on the market 142 days as of November 14, 2026. The asking price has not changed since it was listed.
- Listed at $399,999, about 578% above the last recorded sale ($59,000, August 15, 1994).
- County assessment: $287,600 total appraised value (land $82,000 + improvements $205,600).
County assessment from Davidson County public records; listing-cycle history tracked by the GH Market Engine.
County appraisal by year
The Davidson County Assessor's appraised value of 406 Cottonwood Dr by year: $56,200 in 1999 to $287,600 in 2025, a change of +412%. Appraised value is the county's figure for taxation, not a market value or a sale price.
| Year | Land | Building | Yard items | Total | Category |
|---|---|---|---|---|---|
| 2025 | $82,000 | $200,300 | $5,300 | $287,600 | ROLL |
| 2021 | $51,000 | $163,500 | $5,800 | $220,300 | ROLL |
| 2017 | $31,000 | $126,000 | $5,200 | $162,200 | ROLL |
| 2013 | $19,000 | $85,100 | $3,400 | $107,500 | ROLL |
| 2009 | $24,000 | $82,200 | $2,700 | $108,900 | ROLL |
| 2005 | $18,000 | $64,700 | $2,100 | $84,800 | ROLL |
| 2001 | $15,100 | $55,700 | $0 | $70,800 | ROLL |
| 2000 | $15,000 | $41,200 | $0 | $56,200 | ROLL |
| 1999 | $15,000 | $41,200 | $0 | $56,200 | ROLL |
Source: Davidson County Assessor of Property, historical appraisal record, as recorded; totals are the county's own figures. Davidson County reappraises every four years (most recently 2025); other years reflect changes recorded between reappraisals.
What 406 Cottonwood Dr costs to own
Estimated monthly ownership for 406 Cottonwood Dr at $399,999: principal & interest, property tax, insurance. Estimate only; not a loan offer.
| List price | $399,999 |
|---|---|
| Property tax basis | Assessed value × 25% (TN residential ratio) × the Metro Nashville / Davidson County rate |
Financing 406 Cottonwood Dr, Nashville
Estimated total monthly payment for 406 Cottonwood Dr is about $2,756/mo, 20% down on a 30-year fixed at 7.50% (a conforming loan), including principal & interest $2,237, estimated property tax $232, homeowners insurance $287. Estimate only; not a loan offer.
| Principal & interest | $2,237/mo |
|---|---|
| Property tax (est.) | $232/mo |
| Homeowners insurance (est.) | $287/mo |
| Estimated total | $2,756/mo |
Assumes 20% down, 30-year fixed at 7.50% (Mortgage News Daily, as of November 13, 2026). Property tax uses the Davidson County General Services District rate at the 25% TN residential ratio. Estimate only; not a loan offer or appraisal. Enable JavaScript to adjust down payment, term, loan type, and rate.
How the rate moves this payment
| 30-year rate | Principal & interest | Est. total / mo | vs current |
|---|---|---|---|
| 6.50% | $2,023/mo | $2,542/mo | -$214/mo |
| 7.00% | $2,129/mo | $2,648/mo | -$108/mo |
| 7.50% | $2,237/mo | $2,756/mo | current |
| 8.00% | $2,348/mo | $2,867/mo | +$111/mo |
| 8.50% | $2,461/mo | $2,980/mo | +$224/mo |
Principal & interest on a 30-year fixed at 20% down ($319,999 loan), with property tax, insurance held constant at $519/mo. Current 30-year fixed 7.50% (Mortgage News Daily, as of November 13, 2026). Estimate only; not a loan offer.
Buy versus rent, 406 Cottonwood Dr
Owning 406 Cottonwood Dr runs about $2,756/mo all-in, from the payment estimate above. Whether buying beats renting turns on how long you stay, how fast prices and rents move, and the rent you would otherwise pay. Turn on JavaScript to model those assumptions and find the year buying pulls ahead.
Method: net cost to own equals down payment plus about 3% closing plus payments made, minus equity built (principal paid and appreciation) and about 7% exit costs, measured against cumulative rent. Broker commissions are not set by law and are fully negotiable. Estimate only; not financial advice.
Property-tax outlook
The Davidson County appraised value of $287,600 trails the $399,999 list price. If the next reassessment moves the appraised value toward today's market, estimated annual property tax would rise from about $2,000 now to roughly $2,782 (appraised value times the 25% Tennessee residential ratio times the Davidson County General Services District rate). Reassessment timing and the certified rate can change, and a purchase does not by itself trigger reassessment. Verify with the Davidson County Assessor of Property and Trustee. Estimate only.
How this home is priced
| Address | Beds | Sq ft | Sold for | $/sq ft | Closed |
|---|---|---|---|---|---|
| 2935 Emery Dr | 3 | 1,310 | $495,000 | $378 | September 29, 2026 |
| 3021 Ironwood Dr | 3 | 1,322 | $479,900 | $363 | April 15, 2026 |
| 713 Braidwood Dr | 3 | 1,164 | $254,000 | $218 | April 3, 2026 |
| 3017 Lakeland Dr | 3 | 1,348 | $265,000 | $197 | May 29, 2026 |
| 2908 Mccampbell Ave | 3 | 1,373 | $345,000 | $251 | January 28, 2026 |
| 603 Colfax Dr | 3 | 1,108 | $285,000 | $257 | April 30, 2026 |
- Sold in Cloverhill, 12 months to November 10, 2026
- 29 homes; Median price $325,000; Median $288/sq ft (29 with a size); 98% of list; Median 17 days on market
- For sale in Cloverhill, November 10, 2026
- 11 listings; Median asking $296/sq ft; at $321/sq ft this listing asks more than 64% of them
- Pace
- 2.4 sales a month over 12 months against 11 for sale: about 4.6 months of supply
Home prices by high-school zone in Davidson County
Median list price per square foot for active single-family homes by high-school attendance zone. Attendance zones cross city mailing lines; this is a price comparison, not a rating.
| High-school zone | Median $/sq ft |
|---|---|
| Hillsboro | $460/sq ft |
| Stratford | $369/sq ft |
| Pearl-Cohn | $318/sq ft |
| Maplewood | $317/sq ft |
| Glencliff | $282/sq ft |
| James Lawson | $273/sq ft |
| John Overton | $263/sq ft |
| McGavock | $236/sq ft |
| Hunters Lane | $233/sq ft |
| Whites Creek | $233/sq ft |
| Cane Ridge | $220/sq ft |
| Antioch | $212/sq ft |
Computed by Grant Hammond from active Davidson County listings (Realtracs via IDX).
Location of 406 Cottonwood Dr
406 Cottonwood Dr sits in Cloverhill, Nashville, Davidson County.
Cloverhill market snapshot
In Cloverhill, homes there are priced around $306 per square foot; inventory is running at about 3.9 months, a balanced market; recent sales closed near 98% of list price; 26 sales have been recorded in the past year.
Neighborhood housing-market facts computed by Grant Hammond from Realtracs via IDX, as of November 10, 2026.
Approximately 7.2 miles from downtown Nashville (straight-line distance).
Assigned schools
406 Cottonwood Dr is zoned for Hickman Elementary, Donelson Middle, McGavock Comp High School. Attendance zones and enrollment change, confirm current zoning with the Metro Nashville Public Schools district before relying on it. Look up the zoned school: MNPS Zone Finder.
- Elementary
- Hickman Elementary
- Middle
- Donelson Middle
Official records for 406 Cottonwood Dr
- Metro Nashville Parcel Viewer, parcel 09606010200 (assessor values, deeds and zoning)
- FEMA Flood Map Service Center (the flood map for this address)
Ask Grant about 406 Cottonwood Dr
Get the full details, recent comparable sales, and any off-market options for 406 Cottonwood Dr - plus tour times if you want them. Grant Hammond, Compass RE, replies personally, usually the same day.
Listings similar to 406 Cottonwood Dr
Similar listings nearby
Comparable listings near 406 Cottonwood Dr, by price and size.
Listed by Benjamin E. Buie, Forward Realty Group. Properties marked with the MTRMLS logo are provided courtesy of the Realtracs Internet Data Exchange Program. Information believed accurate but not guaranteed. IDX by Diverse Solutions.
Frequently asked questions about 406 Cottonwood Dr
Is 406 Cottonwood Dr, Nashville still for sale?
As of the latest update (November 14, 2026), 406 Cottonwood Dr, Nashville is active, per Realtracs. Contact Grant Hammond, Compass RE, for current availability.
How much does 406 Cottonwood Dr, Nashville cost?
406 Cottonwood Dr, Nashville is listed at $399,999, about $321 per square foot across 1,246 square feet.
Has the price of 406 Cottonwood Dr, Nashville changed?
No. It has been offered at $399,999 since it was listed on June 25, 2026, per Realtracs.
Is 406 Cottonwood Dr, Nashville priced right?
14 3-bedroom sales of similar size closed in Cloverhill between November 10, 2025 and November 10, 2026, at a Median of $289 per square foot. At $321 per square foot, 406 Cottonwood Dr is priced about 11% more per square foot than their Median. This is a comparison of recorded sales, not an appraisal.
How is the market in Cloverhill?
29 homes closed in Cloverhill between November 10, 2025 and November 10, 2026, with a Median price of $325,000 and a Median of $288 per square foot across all sizes; the Median sale took 17 days. On November 10, 2026, 11 were for sale, about 4.6 months of supply at the past year's pace. Per Realtracs closings and listings.
Are there HOA dues?
HOA dues are not reported in the listing fields.
What is the estimated monthly payment for 406 Cottonwood Dr, Nashville?
About $2,756 a month with 20% down on a 30-year fixed at 7.50%, principal and interest $2,237, estimated property tax $232, insurance $287. Estimate only; not a loan offer. Adjust the down payment, term, loan type, and rate in the financing calculator on this page.
What are the property taxes on 406 Cottonwood Dr, Nashville?
The listing reports an annual property tax of $2,023. Davidson County's appraisal roll values it at $287,600 (land $82,000, building $200,300) for 2025.
Who owns 406 Cottonwood Dr, Nashville?
Ownership is a public record kept by the Metro Nashville and Davidson County Assessor of Property, under parcel 09606010200; the record is linked under Official records on this page. This page does not publish owner names.
What schools is 406 Cottonwood Dr, Nashville zoned for?
406 Cottonwood Dr, Nashville is zoned for Hickman Elementary, Donelson Middle, McGavock Comp High School. Attendance zones and enrollment change, verify current zoning with the Metro Nashville Public Schools district.
How do I tour or make an offer on 406 Cottonwood Dr, Nashville?
Request a time using the tour form on this page (in-person or a live video walkthrough), or call or text Grant Hammond, Compass RE, at (615) 945-7123. Grant replies, usually the same day, and confirms the time with the listing agent. Grant Hammond, Compass RE, can prepare and present your offer, walk you through price, contingencies, and timeline, and represent you through closing. Start with the form on this page or call (615) 945-7123. Broker fees are not set by law and are fully negotiable.
Who can tell me more about 406 Cottonwood Dr, Nashville?
Grant Hammond, Compass RE (TN Broker), with 25+ years and $1B+ in Middle Tennessee sales. Use the tour or question form on this page.
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