9650 White Spruce Dr

Lakeland, TN
$ 564,900 Beds 4 Baths 3.5 Sq 3,825
Monthly Estimate* How much can I afford?

Wow! This home truly has it all—4 bedrooms and 3.5 baths all on one level, with a split bedroom floor plan and open concept living areas. Upstairs, there’s a huge bonus room with two walk-in attics. A large sunroom at the back leads to a resort-style backyard featuring a sparkling pool, hot tub, and gazebo for lounging. The updated kitchen boasts granite countertops, engineered hardwood throughout, plus an updated shower in the master. And don’t forget Garner Lake, perfect for fishing, boating, and even paddle boarding. Whole house Generac generator, 10yr old roof, and HVAC systems are 4 years old.

Single Family

  • Price
  • $ 564,900
  • City
  • Lakeland
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • SHELBY
  • Half Bathrooms
  • 1
  • Area
  • Lakeland-Hwy 70 30
  • Lot Size
  • 0.32 Acres
  • Zip
  • 38002
  • Sqr Footage
  • 3,825
  • Year Built
  • 1990
  • Taxes
  • $ 5329
  • Style
  • Traditional
  • MLS#
  • 10226431
Listed By: Crye-Leike, Inc., REALTORS
Data Source: Memphis MLS (MAAR)

Features

General

Heating Central,Dual System,Gas
Cooling Ceiling Fan(s),Central,Dual System
Roof Composition Shingles
Fireplaces 1
Status Active
Full Baths 3
Half Baths 1
Other Rooms Entry Hall,Laundry Room,Play Room
Legal Subdivision Name LAKELAND ESTATES 5TH ADDN
Style Traditional
Stories Count 1
County Shelby
Class Residential
Type Detached Single Family
Condo No
Area 832A
Parcel Number L0150C E00008
Status Active
Annual City Tax 1380
Annual County Tax 3949
Sale/Rent For Sale
Neighborhood Amenities Lake,Recreation Facilities
Area Lakeland/Hwy 70 30
Service Type Full Service Listing
Neighborhood Association Mandatory
Year Built 1990
Directions take Canada Rd north from I-40,then take a right on Green Spruce to a left on Green Spruce Bend,Right on Blue Spruce and a left on White Spruce,Home will be on right
City Lakeland
DOM 68

Interior Features

Dining Room 12x13
Living Room Breakfast Bar,Great Room,Separate Breakfast Room,Updated/Renovated Kitchen,Washer/Dryer Connections
Bedroom 4 Dimensions 13x13
Kitchen Dimensions 12x16
Bedroom 3 Dimensions 12x15
Bedroom 2 Dimensions 17x16
Beds 4
Total Baths 3.1
Fireplace Gas Logs,In Den/Great Room,Prefabricated,Ventless Gas Fireplace
Number of Rooms 12
Downstairs Bedrooms 4
Breakfast Dimensions 12x12
Play/Bonus Room Dimension 20x32
BEDROOM 4 DESCRIPTION Hardwood Floor,Level 1,Shared Bath
MISC. INTERIOR All Window Treatments,Walk-In Closet(s),Walk-In Attic
FLOORS/CEILINGS Tile,Wood Laminate Floors
INTERIOR EQUIPMENT Double Oven,Cooktop,Disposal,Dishwasher,Cable Wired,Cable Available
BEDROOM 3 DESCRIPTION Hardwood Floor,Level 1,Shared Bath
BEDROOM 2 DESCRIPTION Hardwood Floor,Level 1,Private Full Bath,Walk-In Closet
Office Dimensions 12x20

Exterior Features

Foundation Slab
Pool In Ground
Lot 258
Lot Size Area 0.32
Water & Sewer Gas Water Heater,Public Sewer,Public Water,Well Water
Lot Size .32
Parking Display G2A
Lot Description Iron Fenced,Landscaped,Water Access
# Covered Parking Spaces 2
PARKING/STORAGE Driveway/Pad,Front-Load Garage,Garage Door Opener(s)
EXTERIOR/WINDOWS Aluminum Window(s),Brick Veneer,Double Pane Window(s)
Misc. Exterior Wrought Iron Security Drs,Pool Cleaning Equipment,Patio,Gazebo,Hot Tub,Well Landscaped Grounds,Iron Fence,Generator

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Memphis, TN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% 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.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

7/18/2026 Listed $564,900

Property vs Zip Code Average in 38002

Price
AVG $530K
$560K
Taxes
AVG $4,208
$5,329
Year Built
AVG 2011
1990
Visits
AVG 91
45
Data Provided by Inside Real Estate®

9650 White Spruce Dr Lakeland, TN is a Single Family Home for sale at $564900 with 3825 sqft and a lot size of 0.32 Acres Acre(s). 9650 White Spruce Dr Lakeland has 4 bedrooms, 3 baths and was built in 1990. The property's zip code is 38002 which is in Lakeland, TN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% 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.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.