Description of 3131 Bruce Gardens Cir, Franklin, TN 37064
Don't miss this opportunity to own one of the largest and most versatile homes in this highly desirable Franklin community. Join us at Sunday's Open House and experience everything this beautifully updated, move-in-ready home has to offer. This spacious all-brick home has been thoughtfully refreshed with brand-new carpet, fresh interior paint, and an updated kitchen featuring new countertops, stove, and sink. Major improvements include HVAC systems replaced in 2022 for added peace of mind. Designed for comfortable main-level living, the home features a primary suite, two additional bedrooms, dedicated home office, formal dining room, and two full baths all on the main floor. The open layout offers abundant natural light and seamless flow throughout the living spaces, complemented by tasteful designer accents. A standout feature is the rare 3-car side-entry garage with built-in storage, plus a private guest suite above the garage complete with a full bath and skylights, ideal for guests, multigenerational living, a media room, or flexible bonus space. Step outside to your own backyard retreat featuring a motorized pergola with retractable shades, creating a true outdoor living room perfect for year-round enjoyment. The professionally landscaped, fenced backyard also includes a recently installed 7-zone irrigation system. Located in a walkable neighborhood with a community pool, playground, and stocked ponds, and a low HOA of just $80/month. Enjoy an unbeatable location just minutes fro downtown Franklin, Westhaven, Jim Warren Park, shopping, dining, and top-rated schools. A rare combination of space, updates, flexibility, and value, now priced below $850K. Come see why this home stands out from the competition at Sunday's Open House! Buyer and buyer's agent to verify all pertinent information.
Listing updated: 7/2/2026
Don't miss this opportunity to own one of the largest and most versatile homes in this highly desirable Franklin community. Join us at Sunday's Open House and experience everything this beautifully updated, move-in-ready home has to offer. This spacious all-brick home has been thoughtfully refreshed with brand-new carpet, fresh interior paint, and an updated kitchen featuring new countertops, stove, and sink. Major improvements include HVAC systems replaced in 2022 for added peace of mind. Designed for comfortable main-level living, the home features a primary suite, two additional bedrooms, dedicated home office, formal dining room, and two full baths all on the main floor. The open layout offers abundant natural light and seamless flow throughout the living spaces, complemented by tasteful designer accents. A standout feature is the rare 3-car side-entry garage with built-in storage, plus a private guest suite above the garage complete with a full bath and skylights"”ideal for guests, multigenerational living, a media room, or flexible bonus space. Step outside to your own backyard retreat featuring a motorized pergola with retractable shades, creating a true outdoor living room perfect for year-round enjoyment. The professionally landscaped, fenced backyard also includes a recently installed 7-zone irrigation system. Located in a walkable neighborhood with a community pool, playground, and stocked ponds, and a low HOA of just $80/month. Enjoy an unbeatable location just minutes fro downtown Franklin, Westhaven, Jim Warren Park, shopping, dining, and top-rated schools. A rare combination of space, updates, flexibility, and value"”now priced below $850K. Come see why this home stands out from the competition at Sunday's Open House! Buyer and buyer's agent to verify all pertinent information.
| LAST UPDATED | 7/2/2026 | TRACT | Spencer Hall Sec 12 |
|---|---|---|---|
| YEAR BUILT | 2004 | GARAGE SPACES | 3.0 |
| COUNTY | Williamson | STATUS | Active |
| PROPERTY TYPE(S) | Single Family |
| Elementary School | Pearre Creek Elementary School |
|---|---|
| Jr. High School | Hillsboro Elementary/ Middle School |
| High School | Independence High School |
| ADDITIONAL DETAILS | |
| AIR | Ceiling Fan(s), Central Air, Electric |
|---|---|
| AIR CONDITIONING | Yes |
| AMENITIES | Maintenance Grounds |
| APPLIANCES | Built-In Gas Oven, Dishwasher, Double Oven, Microwave, Refrigerator |
| BASEMENT | None |
| CONSTRUCTION | Brick |
| FIREPLACE | Yes |
| GARAGE | Yes |
| HEAT | Central |
| HOA DUES | 80 |
| INTERIOR | Ceiling Fan(s), High Ceilings, Open Floorplan, Pantry |
| LOT | 0.27 acre(s) |
| LOT DIMENSIONS | 88 X 123 |
| PARKING | Garage Door Opener, Garage Faces Side, Driveway |
| SEWER | Public Sewer |
| STORIES | 2 |
| STYLE | Traditional |
| SUBDIVISION | Spencer Hall Sec 12 |
| TAXES | 3052 |
| UTILITIES | Electricity Available, Water Available |
| WATER | Public |
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
3131 Bruce Gardens Cir, Franklin, TN 37064 is a 4-bedroom, 3-bath home in Franklin, TN 37064, offered at $849,950, about $271/sq ft across 3,142 sq ft.
At $271/sq ft, this home is about 32% below the Franklin 37064 median list price per square foot of $400.
Recently sold in Franklin 37064: 12 comparable homes from $550,000 to $1,180,000, a median of $318/sq ft; this listing at $271/sq ft is about 15% below recent sold prices.
All-in, about $4,918/mo at 20% down (6.47% 30-yr).
At the current 6.47% 30-year rate, principal and interest on this home runs about $4,286/mo; at the 6.34% rate of about three months ago it would be roughly $4,228/mo; monthly P&I is about $58 higher now.
Beyond principal and interest, the recurring carrying costs on this home (property tax (about $254/mo), insurance (about $297/mo), and HOA (about $80/mo)) run about $632/mo, roughly 13% of the all-in monthly payment.
Price & sale history
- County assessment: $566,300 total appraised value (land $105,000 + improvements $461,300).
- Listed at $849,950, about 50% above the county total appraised value ($566,300), the mass-appraisal basis rather than a market appraisal.
Last sale & county assessment from Williamson County public records; listing-cycle history tracked by the GH Market Engine.
How is it priced in Franklin?
| Active listings | 923 |
|---|---|
| Median list price | $1,217,318 |
| Median $/sqft (list) | $400 |
| Median closed price | $970,000 |
As of 06-30-2026 (923 active listings). Source: RealTracs via IDX. Analysis by Grant Hammond.
How this home compares in Spencer Hall
Its $271/sq ft places it above about 25% of the 15 active homes in Spencer Hall on a per-square-foot basis.
On a per-square-foot basis, Spencer Hall runs roughly 19% below the Franklin 37064 area.
Computed by Grant Hammond from 15 active Spencer Hall comparables (RealTracs via IDX), refreshed weekly. Analysis, not an appraisal.
Williamson County home prices by school zone
Closed single-family sales, trailing 24 monthsHomes zoned to Independence High closed at a median of $999,999 ($338/sq ft) over the past 24 months, across 1,671 single-family sales. That is the fourth-highest price per square foot of Williamson County's 9 high-school zones, 6% above the $319/sq ft countywide median.
RealTracs closed single-family sales, trailing 24 months, grouped by high-school attendance zone. Assignment depends on the exact address and can change; verify with the district before making an offer. Analysis by Grant Hammond, data via RealTracs (IDX).
Financing 3131 Bruce Gardens Cir, Franklin
The estimated monthly payment for 3131 Bruce Gardens Cir, Franklin is about $4,918: a conforming 30-year mortgage at 6.474% with 20% down, including property tax, insurance, and HOA. Estimate only; not a loan offer or appraisal.
- Principal & interest: $4,286
- Property tax: $254
- Insurance (est.): $297
- HOA: $80
- Income to qualify: $210,772
- Cash to close: $195,489
- Equity at yr 5: $213,624
30- vs 15-year fixed, monthly. Source: Freddie Mac & Optimal Blue via FRED, updated 2026-07-01.
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 3131 Bruce Gardens Cir cost?
3131 Bruce Gardens Cir is listed at $849,950, about $271 per square foot across 3,142 square feet (as of 07-02-2026).
What is the price per square foot for 3131 Bruce Gardens Cir?
3131 Bruce Gardens Cir is priced at $271 per square foot, 3,142 square feet at $849,950 (as of 07-02-2026).
What are the HOA dues for 3131 Bruce Gardens Cir?
HOA dues for 3131 Bruce Gardens Cir are $80 per month, as listed (as of 07-02-2026).
How big is the lot for 3131 Bruce Gardens Cir?
3131 Bruce Gardens Cir sits on a 0.27-acre lot, measuring approximately 88 X 123 (per the listing).
Does 3131 Bruce Gardens Cir have a garage?
Yes. 3131 Bruce Gardens Cir has a garage, per the listing.
Does 3131 Bruce Gardens Cir have a basement?
No. 3131 Bruce Gardens Cir has no basement, per the listing.
When was 3131 Bruce Gardens Cir built?
3131 Bruce Gardens Cir was built in 2004.
What are the property taxes on 3131 Bruce Gardens Cir?
The annual property tax reported for 3131 Bruce Gardens Cir is about $3,052 (as reported on the listing, as of 07-02-2026).
What is the estimated monthly payment for 3131 Bruce Gardens Cir?
About $4,918 per month at 6.474% on a 30-year loan with 20% down, including the actual property tax and an insurance estimate. Estimate only, not a loan offer.
What schools serve 3131 Bruce Gardens Cir?
3131 Bruce Gardens Cir is zoned for Pearre Creek Elementary School, Hillsboro Elementary/ Middle School, Independence High School, per the listing. Verify current enrollment and zoning with the district.
Similar listings near Franklin 37064
Explore Franklin real estate
In this area
Homes for sale by city
Market and guidance
Market guidance by Grant Hammond, Compass RE, with 25+ years and $1B+ in Middle Tennessee sales.
