3657 Willow Oak Circle NW Cleveland, TN $ 639,900
3657 Willow Oak Circle NW
$ 639,900
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3657 Willow Oak Circle NW

Cleveland, TN, 37312
$ 639,900
Bedrooms4 Baths3.1 Sq 3,114

Monthly Estimate*

$ 3,940

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Single Family Home for sale in Cleveland, TN

for $639,900 with 4 bedrooms and 3 full baths, 1 half bath. This 3,114 square foot home was built in 1996 on a lot size of 1.36.

If you're looking for a home that offers the feel of country living while being in the heart of the city, this property delivers. Situated on over an acre and adorned with fruit trees, the landscape comes alive each spring with vibrant color. Enjoy peaceful mornings on the screened-in porch just off the spacious primary suite, listening to birds and taking in the serene setting. The large eat-in kitchen features stainless steel KitchenAid appliances, ample cabinetry, and a generous pantry, making it ideal for everyday living and entertaining. The dining room includes a beautiful built-in with abundant storage and thoughtful custom details. The finished basement offers a large wood shop with a single-car garage door—perfect for larger projects or hobby use. Additionally, a secondary shed with existing electrical service provides excellent space for a workshop or additional storage. A rare opportunity to enjoy privacy, space, and convenience—all in one exceptional property.

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Single Family Contingent

Price

$ 639,900

Bedrooms

4

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 3,427

Style

Ranch

Lot Size

1.36

Year Built

1996

Town/City

Cleveland

County/Region

Bradley

MLS | Web ID

20260064

Features
General
Living Area 3114
Sewer Public Sewer
Heating Natural Gas Ceiling Central
Cooling Ceiling Fan(s) Central Air
Utilities Water Connected Sewer Connected Natural Gas Connected Cable Connected Electricity Connected
Possession Close Of Escrow
Roof Shingle
Appliances Dishwasher Disposal Electric Water Heater Exhaust Fan Gas Oven Gas Range Microwave Refrigerator
Garage Spaces 2
Patio/Porch Features Deck Enclosed Front Porch Porch Rear Porch Screened
Architectural Style Ranch
Pool Features None
Security Features Smoke Detector(s) Security System Owned Panic Alarm Carbon Monoxide Detector(s) Fire Sprinkler System
Construction Materials Brick Vinyl Siding
Year Built 1996
Levels One
Property Subtype Single Family Residence
Community Features Sidewalks Street Lights
County Bradley
New Construction false
Property Type Residential
HOA false
Attached Garage true
Subdivision Name Summerfield
Garage Y/N true
Other Structures Workshop Outbuilding
Full Baths 3
Status Active Under Contract
Directions 75 N exit 27 onto Paul Huff Parkway head west until you reach Georgetown Road turn left and at the next light turn right onto Villa Dr right on Freewill Rd left into Summerfield Subd. make first right home is in the back of the subd.
High School Cleveland
City Cleveland
Lot Size Units Acres
Lot Size Square Feet 59241.6
Carport Y/N false
Listing Terms Cash Conventional FHA VA Loan
Elementary School Candys Creek Cherokee
Tax Annual Amount 3427.64
Middle/Junior High School Cleveland
Property Condition Functional
Structure Type House
Standard Status Active Under Contract
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Interior
Interior Amenities Walk-In Shower Smart Camera(s)/Recording Walk-In Closet(s) Stone Counters Soaking Tub Pantry Kitchen Island High Speed Internet High Ceilings Eat-in Kitchen Bathroom Mirror(s) Bookcases Built-in Features Ceiling Fan(s) Crown Molding
Basement Finished Partial
Flooring Carpet Laminate Tile
Air Conditioning Y/N true
Heating Y/N true
Window Features Wood Frames Screens
Fireplace Y/N true
Half Baths 1
Laundry Features Sink Main Level Laundry Closet
Total Bedrooms 4
Total Baths 4
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Exterior
Exterior Amenities Rain Gutters Garden
Parking Features Concrete Garage Garage Door Opener
Lot Features Mailbox Fruit Trees Sloped Landscaped Cleared
Water Source Public
Lot Size Area 1.36
Foundation Details Block
Lot Size Acres 1.36
Road Surface Type Asphalt
Road Frontage Type City Street
Other Equipment TV Antenna
Road Responsibility Public Maintained Road
Horse Y/N false
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* Excluded Features
List By
Maureen Goncalves

Listing Agent

Bender Realty

Broker

maureengoncalves41@gmail.com

Email

Affordability Calculator

$4,226
Per Month
93%
7%
0%
Monthly Principal & Interest
$3,940
Monthly Property Taxes
$286
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.25% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
2912794 Elementary School
4785214 Middle School
Cleveland High School High School
Pricing History
DatePricePrice ChangeDescription
1/6/2026$639,900 Listed Price

Map


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3657 Willow Oak Circle NW, Cleveland, TN, 37312 is a Single Family Home for sale at $639,900 with 3,114 sqft and a lot size of 1.36. 3657 Willow Oak Circle NW has 4 bedrooms, 3.1 baths, and was built in 1996. The property's zip code is 37312 which is in Cleveland, TN