Property details
Description of 7685 S McHenry Cir, Germantown, TN 38138
Great opportunity for the right buyer! According to the assessor's records, this spacious home offers 4 bedrooms, 3 bathrooms, and over 3,000 square feet of living space. Conveniently located near parks, churches, restaurants, shopping, and approximately 5 miles from I-240. Occupied Reserve Auction - DO NOT DISTURB THE OCCUPANT. There is no access or interior viewings of the property. The home is being sold AS-IS with no contingencies or inspections. The seller cannot guarantee occupancy. The buyer will be responsible for obtaining possession of the property after closing.
Listing updated:
Great opportunity for the right buyer! According to the assessor's records, this spacious home offers 4 bedrooms, 3 bathrooms, and over 3,000 square feet of living space. Conveniently located near parks, churches, restaurants, shopping, and approximately 5 miles from I-240. Occupied Reserve Auction - DO NOT DISTURB THE OCCUPANT. There is no access or interior viewings of the property. The home is being sold AS-IS with no contingencies or inspections. The seller cannot guarantee occupancy. The buyer will be responsible for obtaining possession of the property after closing.
| LAST UPDATED | 6/29/2026 | TRACT | GERMANTOWN GARDENS 1ST ADDN |
|---|---|---|---|
| YEAR BUILT | 1973 | GARAGE SPACES | 2.0 |
| COUNTY | Shelby | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| ADDITIONAL DETAILS | |
| AIR | Central Air |
|---|---|
| AIR CONDITIONING | Yes |
| FIREPLACE | Yes |
| GARAGE | Yes |
| HEAT | Central |
| LOT | 0.35 acre(s) |
| LOT DIMENSIONS | 105X145 |
| PARKING | Garage Faces Side |
| STORIES | 3+ |
| STYLE | Traditional |
| SUBDIVISION | GERMANTOWN GARDENS 1ST ADDN |
| TAXES | 5300 |
TOTAL MONTHLY PAYMENT
| SATELLITE VIEW |
| / | |
Properties marked with the MTRMLS approved logo are provided courtesy of the RealTracs Internet Data Exchange Program
Copyright 2026 MTRMLS, Inc.
Information Is Believed To Be Accurate But Not Guaranteed.
This IDX solution is (c) Diverse Solutions 2026.
About this home
7685 S McHenry Cir, Germantown, TN 38138 is a 4-bedroom, 3-bath home in Germantown, TN 38138, offered at $329,900, about $107/sq ft across 3,087 sq ft.
All-in, about $2,240/mo at 20% down (6.59% 30-yr).
At the current 6.59% 30-year rate, principal and interest on this home runs about $1,683/mo; at the 6.26% rate of about three months ago it would be roughly $1,626/mo; monthly P&I is about $57 higher now.
Beyond principal and interest, the recurring carrying costs on this home (property tax (about $442/mo) and insurance (about $115/mo)) run about $557/mo, roughly 25% of the all-in monthly payment.
How is it priced in Germantown?
| Active listings | 115 |
|---|---|
| Median list price | $499,900 |
| Median $/sqft (list) | $312 |
| Homes closed (past 24 months) | 264 |
| Median closed price | $399,000 |
| Average closed price | $466,057 |
| Median closed $/sqft | $286 |
| Top recent closed sale | $2,250,000 (1406 5th Ave N, 3,752 sq ft, $600/sq ft) |
| Top active listing | $7,495,000 (312 Madison St Nashville, 10,024 sq ft) |
| ZIP | 37208 |
As of (115 active listings). Source: RealTracs closed county records + IDX. Analysis by Grant Hammond.
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Financing 7685 S McHenry Cir, Germantown
The estimated monthly payment for 7685 S McHenry Cir, Germantown is about $2,240: a conforming 30-year mortgage at 6.586% with 20% down, including property tax, insurance. Estimate only; not a loan offer or appraisal.
- Principal & interest: $1,683
- Property tax: $442
- Insurance (est.): $115
- Income to qualify: $96,010
- Cash to close: $75,877
- Equity at yr 5: $82,599
30- vs 15-year fixed, monthly. Source: Freddie Mac & Optimal Blue via FRED, updated 2026-07-13.
Property tax is the actual annual amount reported on the listing for this property, not a list-price estimate. Insurance/PMI are estimates; rate is editable. Estimate only; not a loan offer.
Frequently asked questions
How much does 7685 S McHenry Cir cost?
7685 S McHenry Cir is listed at $329,900, about $107 per square foot across 3,087 square feet (as of 06-29-2026).
What is the price per square foot for 7685 S McHenry Cir?
7685 S McHenry Cir is priced at $107 per square foot, 3,087 square feet at $329,900 (as of 06-29-2026).
Does 7685 S McHenry Cir have an HOA?
No. 7685 S McHenry Cir has no HOA dues, per the listing (as of 06-29-2026).
How big is the lot for 7685 S McHenry Cir?
7685 S McHenry Cir sits on a 0.35-acre lot, measuring approximately 105X145 (per the listing).
Does 7685 S McHenry Cir have a garage?
Yes. 7685 S McHenry Cir has a garage, per the listing.
When was 7685 S McHenry Cir built?
7685 S McHenry Cir was built in 1973.
What are the property taxes on 7685 S McHenry Cir?
The annual property tax reported for 7685 S McHenry Cir is about $5,300 (as reported on the listing, as of 06-29-2026).
What is the estimated monthly payment for 7685 S McHenry Cir?
About $2,240 per month at 6.586% on a 30-year loan with 20% down, including the actual property tax and an insurance estimate. Estimate only, not a loan offer.
Is Germantown a buyer's or seller's market?
Germantown is currently a buyer's market, with about 7.2 months of supply. The median list price is around $955,000 (as of 07-12-2026, RealTracs via IDX).
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Market guidance by Grant Hammond, Compass RE, with 25+ years and $1B+ in Middle Tennessee sales.
