top of page
  • Writer's pictureBrian Porter

Discover Lakeside Living: A Comprehensive Guide to Moving to Tims Ford Lake, TN

Discover Lakeside Living: A Comprehensive Guide to Moving to Tims Ford Lake, TN

Welcome to our comprehensive guide on relocating to Tims Ford Lake, Tennessee! Nestled in the rolling hills of southern middle Tennessee, Tims Ford Lake is a hidden gem offering a blend of serene beauty, outdoor recreation, and a welcoming community. Whether you're searching for the perfect place to retire, a peaceful weekend retreat, or a full-time residence surrounded by nature, Tims Ford Lake promises a unique lifestyle that's hard to match.

With over 10,000 acres of lake, 265 miles of shoreline, and an abundance of surrounding green space, it's no wonder this place is referred to as the 'Crown Jewel of the South.' In this guide, we'll explore the characteristics of the Tims Ford Lake housing market, delve into nearby city lifestyles, and look at top neighborhoods. We'll also cover aspects like cost of living, dining and entertainment, schools, weather, and transportation.

So, whether you're an outdoor enthusiast or someone seeking tranquility away from city noise, prepare to discover why Tims Ford Lake could be your ideal home. Let's dive in!

Housing Market

The housing market in Tims Ford Lake, Tennessee, offers a unique blend of rural tranquility and lakeside living. The real estate landscape is diverse, featuring everything from cozy cabins and charming single-family homes to luxurious lakefront estates. This variety caters to a wide range of lifestyle preferences and budgets, making it an appealing location for different types of homebuyers.

Lakefront properties are, of course, highly sought after. These homes offer stunning views of the lake, easy access to the water for boating, fishing, and other recreational activities, and usually come with sizeable land parcels ensuring privacy. They are ideal for those who crave a lifestyle intertwined with nature without compromising modern amenities. However, being the most coveted, these properties tend to be on the higher end of the price spectrum.

Away from the immediate lakeshore, you'll find a range of residential properties including more affordable homes that still provide the benefits of being in close proximity to the lake. Many of these homes feature sizable yards, open floor plans, and a rural charm that is representative of the area.

The housing market around Tims Ford Lake has traditionally been stable with a steady appreciation rate, a characteristic appealing to both primary residents and second-home investors. Many property owners here cherish the calm and serene environment, which leads to lower turnover rates and a strong sense of community.

One unique aspect of the Tims Ford Lake area is the presence of several planned communities such as Twin Creeks Village and Fanning Bend. These communities offer an assortment of housing options, amenities like community marinas and clubhouses, and a neighborly atmosphere that fosters a close-knit community spirit.

Whether you're looking for a primary residence, a retirement home, or a vacation property, the Tims Ford Lake housing market offers a wealth of options that promise a tranquil lifestyle surrounded by natural beauty.

Nearby Cities

Adjacent to the Tims Ford Lake housing market, a number of vibrant cities offer their own unique housing markets and lifestyles. Winchester, Tullahoma, and Lynchburg are a few notable cities that provide an enriching living experience along with a diverse housing market.

Winchester, situated on the shores of Tims Ford Lake, has a charming downtown area and offers a variety of homes ranging from historic houses to new constructions. The city provides ample opportunities for boating, fishing, and various water sports due to its proximity to the lake. A strong sense of community prevails here, with several local festivals and events, including the Dogwood Festival and High on the Hog Festival, which are celebrated annually.

Tullahoma, a bit further away from the lake, is known for its lush landscapes and a lifestyle deeply rooted in outdoor recreation and arts. Its housing market is quite varied, with everything from affordable starter homes to luxury properties. The city is home to the Arnold Air Force Base, which contributes significantly to the local economy. Tullahoma also boasts a thriving arts scene with its own Performing Arts Center and multiple galleries, adding a cultural richness to the city.

Lynchburg, although smaller, is world-famous as the home of Jack Daniel's Whiskey. Its quaint and historic downtown area, coupled with rolling countryside, provides a picturesque setting. The housing market here is a blend of charming country homes, historic residences, and newer constructions. Lynchburg's unique attribute is its small-town charm, with the local distillery, historic sites, and traditional southern hospitality playing major roles in the city's lifestyle.

Each of these cities offers a unique blend of community, lifestyle, and real estate opportunities. Whether you prefer a lakeside retreat, a home in a bustling city, or a tranquil countryside abode, the areas adjacent to Tims Ford Lake cater to a wide spectrum of lifestyle preferences and housing needs.

Top Neighborhoods

When considering residential neighborhoods in the Tims Ford Lake area, it's important to note that most of the residences are spread out around the lake rather than concentrated in typical suburban developments. However, there are a few planned communities that offer a neighborhood feel.

One of the standout neighborhoods is Fanning Bend, Tims Ford's premier lakeside community. Fanning Bend offers breathtaking views of the lake and features craftsman-style homes designed to blend seamlessly with the natural landscape. It's an ideal neighborhood for those seeking a luxurious and tranquil lakeside lifestyle. Residents enjoy access to a private marina, clubhouses, and walking trails.

Twin Creeks Village is another popular residential neighborhood located on the shores of Tims Ford Lake. The community boasts a variety of home styles, from quaint cottages to luxurious single-family homes. The neighborhood features a resort-like setting with amenities such as a marina, clubhouse, pool, and even a restaurant. For those seeking a neighborhood with a strong sense of community and leisurely lakeside living, Twin Creeks Village fits the bill.

Hopkins Point is yet another choice neighborhood in the area. Known for its scenic views and peaceful ambiance, it offers single-family homes and is popular among those seeking tranquility away from bustling city life.

Finally, Bell Acres is worth mentioning for its attractive wooded lots and a mix of traditional and contemporary homes. The neighborhood offers a warm, friendly vibe and is just minutes away from the lake, making it a good choice for families and retirees alike.

Each of these neighborhoods offers something unique, whether it's stunning views, a welcoming community, or proximity to outdoor recreational activities. They embody the tranquility and beauty that define the Tims Ford Lake lifestyle.

Top Condos & Townhomes

While the Tims Ford Lake area is largely characterized by single-family homes, there are a few condo and townhome communities that offer convenience, lower maintenance, and an array of amenities.

One standout is the Bluegill Grill Condos situated right next to the Holiday Landing Marina. These condos offer comfortable two-bedroom units with open floor plans and stunning views of the lake. Residents can enjoy the convenience of having the Marina and Bluegill Grill restaurant just steps away. It's an ideal community for those looking to be right in the heart of the lakeside action.

Lakeview Townhomes is another noteworthy option. As the name suggests, these townhomes provide residents with a beautiful view of Tims Ford Lake. Each unit features multiple bedrooms, attached garages, and a spacious layout. The community's location offers convenient access to the Tims Ford State Park and the Bear Trace Golf Course.

The Manor at Twin Creeks is a community that blends the ease of condo living with the privacy and spaciousness of a standalone home. These units have multiple bedrooms, attached garages, and well-equipped kitchens. The community amenities include a clubhouse, a pool, and a private marina.

While the area doesn't have a vast selection of condo or townhome communities compared to larger cities, these communities offer comfortable, low-maintenance living with the added benefit of being located near one of Tennessee's most beautiful recreational lakes. With access to boating, fishing, and other water activities, these communities embody a leisurely lakeside lifestyle.

Cost of Living

While the cost of living in Tims Ford Lake can vary depending on the specific neighborhood and lifestyle, generally speaking, it tends to be quite affordable compared to other metropolitan cities in the United States. It's worth noting that this area is not a city per se, but a lake area located near Winchester in Franklin County, Tennessee.

Housing is one of the largest components of the cost of living, and in the Tims Ford Lake area, it's generally lower than the national average. Of course, waterfront properties or those with lake views tend to command higher prices. However, there's a range of housing options available, from modest single-family homes to luxurious lakefront properties, catering to different budget requirements.

The cost of groceries and healthcare also tends to be lower than the national average, which can contribute to more affordable day-to-day living. Transportation costs, including gas prices, are also typically lower than in larger cities.

Utilities costs in Tims Ford Lake are about on par with the national average, though this can depend on the specific location and size of the home. Tennessee has no state income tax, which can also contribute to a lower overall cost of living.

However, it's important to factor in that living in a smaller, rural area can sometimes mean higher costs in other areas, such as entertainment and dining out, as there may be fewer options available.

All in all, the Tims Ford Lake area offers a cost-effective alternative to living in a bustling metropolitan city, especially for those who appreciate a slower pace of life and the beauty of nature.

Restaurants and Dining

When it comes to dining in the Tims Ford Lake area, visitors and residents will find a number of tasty options, many of which offer stunning views of the lake to complement the food.

Let's start with the Bluegill Grill. Situated right on the water, this relaxed spot offers a mix of traditional American fare and southern classics. Known for their burgers, fried catfish, and live music events, the Bluegill Grill provides not just a meal but a true lakeside dining experience. Plus, their location adjacent to the Holiday Landing Marina makes it a popular choice for boaters.

Another popular spot for lakefront dining is Drafts and Watercrafts, located in the Twin Creeks Marina. Offering a casual menu of pizza, sandwiches, and more, this eatery is an excellent place to unwind after a day on the lake. They also offer boat rentals and access to a beach and pool, making it a perfect family-friendly location.

A few miles away from the lake, in Winchester, there are more options. John T's BBQ is a must-visit for barbecue lovers. Their pulled pork and brisket are local favorites, and the laid-back atmosphere makes it an ideal spot for a casual meal.

For a fine dining experience, head over to High Point, a historic restaurant located in a restored Victorian home in Monteagle. Their menu features a mix of classic and innovative dishes with an emphasis on locally-sourced ingredients.

And let's not forget about breakfast. If you're in the mood for a hearty morning meal, head over to Sunrise: The Breakfast Place in Decherd. This local diner offers everything from fluffy pancakes to loaded omelettes, providing a comforting start to your day.

While the Tims Ford Lake area may not have the extensive culinary scene of a major city, the selection of dining options, each with its own charm and appeal, gives residents and visitors a range of choices that fits with the relaxed, lakeside lifestyle.

Shopping and Entertainment

When it comes to entertainment and shopping, Tims Ford Lake offers a unique mix of outdoor activities, local shops, and community events. While the area may not have the big-box retailers or giant shopping malls you'd find in larger cities, there are plenty of ways to enjoy your leisure time in this serene lakeside location.

The major attraction here, of course, is the lake itself. Tims Ford Lake offers a plethora of outdoor recreational activities, including boating, fishing, and swimming. For those who enjoy water sports, there are several marinas where you can rent a variety of watercraft, from pontoon boats to paddleboards.

For those who prefer to stay on dry land, the Tims Ford State Park is a fantastic resource. The park has several walking and biking trails, and the Bear Trace at Tims Ford, an 18-hole golf course designed by Jack Nicklaus, offers an excellent opportunity for golfers of all skill levels to enjoy a round with beautiful lake views.

Shopping in the Tims Ford Lake area leans toward locally owned businesses. The nearby city of Winchester has a charming downtown area with several boutique shops offering everything from home decor to women's fashion. The Oldham's Nautical Antiques and Decor is a unique shop featuring a variety of nautical-themed items and is a favorite among locals and visitors alike.

And when it comes to community events, the Tims Ford Lake area doesn't disappoint. The annual High on the Hog Festival in Winchester is a local favorite, featuring a Kansas City Barbeque Society-sanctioned barbecue competition, live music, and plenty of family-friendly activities.

In essence, entertainment and shopping in the Tims Ford Lake area are centered around enjoying the natural beauty of the lake and supporting the local community. The area's laid-back atmosphere and variety of outdoor activities make it an ideal place for those looking to enjoy a slower pace of life.

Parks and Nature

Tims Ford Lake is a gem when it comes to parks and nature options. The area is indeed a haven for outdoor enthusiasts with its diverse range of nature-based activities and resources. The standout feature, of course, is Tims Ford State Park, a 2,200-acre park located on the Tims Ford Reservoir.

Tims Ford State Park is known for its wonderful water activities. The lake is a favorite for fishing enthusiasts, with abundant catches of smallmouth bass, largemouth bass, and striped bass. The park has a marina, offering a full-service dock with boat rentals to make exploring the water more accessible. Plus, for those who prefer to enjoy the lake at a slower pace, there's a sandy beach area perfect for picnicking and swimming.

Tims Ford State Park
Tims Ford State Park

But the park isn’t just about water activities; it also offers plenty of land-based fun. Hiking is popular with over 20 miles of trails that weave through the park, offering picturesque views of the lake and wildlife spotting opportunities. For those who enjoy cycling, there are several biking trails available as well.

A truly unique feature of Tims Ford State Park is the Bear Trace Golf Course, one of the premier public golf courses in the state. Designed by Jack Nicklaus, the course is set against the stunning backdrop of Tims Ford Lake and offers a challenging yet enjoyable experience for golfers.

Additionally, the park hosts several events throughout the year, including interpretive programs and guided hikes, that are sure to enrich any nature lover's experience. Birdwatchers will appreciate the variety of bird species that call the park home, including a number of waterfowl and songbirds.

In all, the parks and nature options in Tims Ford Lake make it a paradise for outdoor lovers. Whether you enjoy hitting the trails, casting a line, or simply soaking up the sun by the lake, this area has something to satisfy every nature lover's desires.

Business and Industry

Tims Ford Lake, TN, while known for its natural beauty and outdoor recreational opportunities, is also home to a range of businesses and industries. Given its location and resources, many of the primary industries here are connected to the hospitality sector and outdoor recreation.

To begin with, the tourism and hospitality industry plays a significant role in the local economy. This is primarily due to the lake's popularity as a vacation and recreational spot. There are several hotels, vacation rental properties, and bed-and-breakfast establishments in the area, catering to the influx of tourists throughout the year. Alongside this, there are also numerous restaurants and dining establishments, from cozy cafes to exquisite fine dining, serving both the local population and visiting guests.

Another key industry in Tims Ford Lake is outdoor recreation. With Tims Ford State Park and the lake itself being major draws, businesses that cater to outdoor activities flourish. This includes boat rental services, fishing equipment shops, hiking gear stores, and even guided tour companies offering everything from bird-watching excursions to fishing trips.

Moreover, Tims Ford Lake is in close proximity to several larger cities, such as Nashville, which influences the local business scene. Some residents commute to these nearby urban centers for work in various sectors, including healthcare, education, and professional services.

Despite being a predominantly leisure-oriented location, Tims Ford Lake also hosts some small-scale manufacturing and artisanal businesses, ranging from local crafts to specialty food production. The area's peaceful setting combined with its supportive community makes it an attractive place for entrepreneurs and small businesses.

All in all, Tims Ford Lake offers a diverse and dynamic business environment. It's an area that beautifully balances its booming tourism sector with the charm of a tight-knit community, making it not just a great place to visit, but a thriving place to live and work.

Airport and Transportation

When it comes to air travel and public transportation, Tims Ford Lake, TN, offers convenient options despite its rather serene, nature-centric setting. For those looking to catch a flight, the closest major airport to Tims Ford Lake is the Nashville International Airport, which is approximately 90 miles away, or about a 1.5-hour drive. The airport hosts several major airlines, providing both domestic and international flights.

Closer still, you'll find smaller airports such as the Tullahoma Regional Airport/A.W. Spitzer Field, roughly 20 miles away, and Shelbyville Municipal Airport, around 30 miles away. Although these don't offer commercial flights, they do provide services for private aviation, which might be an interesting option for some residents or visitors.

Tullahoma Regional Airport
Tullahoma Regional Airport

On the topic of public transportation, it's worth noting that Tims Ford Lake, being more of a rural and recreational area, doesn't have the extensive public transit systems you'd find in larger cities. However, the nearby city of Winchester offers a demand-responsive transit service, operated by the South Central Tennessee Development District. This service, known as the "SCOOT" or South Central Area Transit, provides curb-to-curb service within the county and to select nearby destinations on request.

Additionally, due to the community's spread-out nature, most residents and visitors tend to rely on personal vehicles for getting around. However, cycling and walking are popular modes of transportation within the local neighborhoods and park areas, adding to the charm of this idyllic lake community.

When it comes to getting to the larger cities like Nashville, Chattanooga, or Huntsville, driving is the most common choice. The highways and roads connecting Tims Ford Lake to these cities are well-maintained, making for a straightforward journey. Car rental services are also available in these nearby cities for those who might need them.


Tims Ford Lake, Tennessee, experiences a temperate climate with all four distinct seasons each offering its own charm. If you're someone who enjoys the change of seasons, you'll definitely appreciate the variety of weather this area provides.

Summers in Tims Ford Lake are generally warm and humid, with highs averaging around the upper 80s to lower 90s degrees Fahrenheit. This season is quite popular for all the lake-related activities. Boating, swimming, fishing, or simply enjoying the lakeside scenery are favorite pastimes for both residents and visitors during these warmer months.

As we transition into the autumn months, temperatures start to cool off, making outdoor activities even more pleasant. Fall in Tims Ford Lake is simply stunning. The area becomes a riot of color as the trees surrounding the lake begin to change their leaves. Daytime temperatures during fall can range from the 60s to 70s, while evenings can drop into the 40s and 50s.

Winter brings a serene beauty to Tims Ford Lake. Temperatures can drop as low as the 30s, and the area sees an average snowfall of about a couple of inches per year. The sight of the peaceful lake surrounded by snow-dusted landscapes is truly enchanting. It's also a great time for indoor activities or to simply cozy up by a fire with a good book.

Spring is a delightful season around Tims Ford Lake, with temperatures generally in the pleasant 60s and 70s range. The area comes alive with blooming wildflowers and the trees sprouting fresh green leaves. It's a great time for hiking, bird-watching, and outdoor picnics.

So, no matter what season you find yourself in Tims Ford Lake, there's always something beautiful to experience in this picturesque part of Tennessee.

Private and Public Schools

Education is an important consideration for families looking at the Tims Ford Lake area, and you'll be pleased to know that the region has a range of both private and public schooling options that cater to different needs and preferences.

Public schools in the region come under the Franklin County School System. These schools are generally well-rated and have a reputation for academic excellence, strong teacher-student ratios, and an emphasis on inclusive education. Schools like Franklin County High School and North Lake Elementary School have been receiving good reviews for their curriculum and student engagement. The county's public schools offer a well-rounded education, with opportunities for students to excel in academics, sports, and extracurricular activities.

On the other hand, if you're considering private education, Tims Ford Lake is within a reasonable distance to some respected private institutions. These schools offer a variety of pedagogical styles and educational philosophies, so you're likely to find a good fit for your child's learning style. Some notable mentions include St. Andrew's-Sewanee School and The Webb School, both known for their rigorous academic programs and commitment to character development.

Many of these schools also have a strong focus on community involvement and fostering a love of learning, and they typically offer a variety of after-school activities and clubs. Whether it's public or private, families in the Tims Ford Lake area have some good educational options for their children.


Delving into the history of Tims Ford Lake, it's interesting to note that it's not as old as one might think. The lake, as it exists today, is a reservoir created by the Tims Ford Dam, which was built in the 1960s by the Tennessee Valley Authority (TVA). Its primary purpose is to control flooding, generate hydroelectric power, and support recreational activities, but its creation has come to hold significant historical value for the area.

Named after a ford on the Elk River used by a man named Tim, the area was once home to a handful of small farming communities before the construction of the dam. The process of dam construction submerged much of the land, changing the area's landscape drastically. In the process, some of these communities, like the town of Awalt, were flooded and are now part of the lake bed. Today, some remnants of these towns can be seen when the water levels are low, adding a fascinating layer to the history of the area.

The lake is also located near several sites of historical significance. For instance, the Elk River was a crucial route during the Civil War, and the Old Stone Fort State Archaeological Park, which lies not too far from the lake, holds remnants of Native American mounds dating back nearly 2000 years. The rich and varied history of Tims Ford Lake adds depth to the scenic beauty and recreational opportunities it offers today.

9 views0 comments
bottom of page