1340 Zachary Thomas Ln
Sevierville, TN 37876
$925,000
3 bd · 3.5 ba · 4,000 sqft · Listed 1d ago
View on Realtor.com →Year built
2005
Sqft
4,000
Lot sqft
27,007
HOA / mo
$25
Furnished
No
List date
2026-10-27T19:28:22.000000Z
Revenue
Annual revenue
$82,834
ADR
$269
Occupancy
84%
Cleaning fees (12 mo)
$13,828
Confidence
Low (51.35), 50 comps
Comp revenue range (p25 / median / p75)
Median revenue of shown comps: $56,394
Deer Crossing by Venture Smoky Mountains
Vacation home · 3 bd · 3 ba · sleeps 8 · 417 ft
Revenue $88,973ADR $303Occ ≈ 80%—
3BR Cabin | Arcade, Volleyball, & Huge Yard
Cabin · 3 bd · 3 ba · sleeps 10 · 0.4 mi
Revenue $88,977ADR $337Occ ≈ 72%5★ (5)
"Bruno's Mountain Cave" 3 Bedroom Cabin
House · 3 bd · 3 ba · sleeps 6 · 0.4 mi
Revenue $7,124ADR $182Occ ≈ 11%—
Delisted
Hot Tub, Fireplace, Screened balcony, Grill - Log Cabin near Pigeon Forge
Cabin · 3 bd · 3 ba · sleeps 6 · 0.4 mi
Revenue $38,966ADR $304Occ ≈ 35%5★ (318)
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Family-friendly; Convenient w/ so many amenities! Cabin
| 3 bd · 3 ba · sleeps 10 | $49,547 | $363 | 37% | 4.9★ (168) | 233 ft | AirbnbVrbo |
Sleeps 10-Gameroom-HotTub-Wi-fi-Pool membership Cabin
| 3 bd · 3 ba · sleeps 10 | $66,903 | $417 | 44% | 5★ (255) | 374 ft | AirbnbVrbo |
Deer Crossing by Venture Smoky Mountains Vacation home | 3 bd · 3 ba · sleeps 8 | $88,973 | $303 | 80% | — | 417 ft | Booking |
Woodland Dream 36 Cabin | 3 bd · 3.5 ba · sleeps 9 | $134,284 | $584 | 63% | 5★ (44) | 0.2 mi | AirbnbVrbo |
A Walk in the Woods 3- Fall special rates Cabin
| 3 bd · 2.5 ba · sleeps 10 | $35,682 | $240 | 41% | 4.8★ (299) | 0.3 mi | AirbnbVrbo |
3BR Cabin | Arcade, Volleyball, & Huge Yard Cabin | 3 bd · 3 ba · sleeps 10 | $88,977 | $337 | 72% | 5★ (5) | 0.4 mi | Airbnb |
Experience serenity near entertainment, stay at ou Cabin
| 3 bd · 3 ba · sleeps 8 | $42,186 | $216 | 54% | 4.8★ (144) | 0.4 mi | AirbnbVrbo |
"Bruno's Mountain Cave" 3 Bedroom Cabin House | 3 bd · 3 ba · sleeps 6 | $7,124 | $182 | 11% | — | 0.4 mi | Delisted |
Free Attraction Tickets Hot Tub GameRoom Cabin | 3 bd · 4 ba · sleeps 8 | $63,426 | $341 | 51% | 5★ (1) | 0.4 mi | AirbnbVrbo |
Hot Tub, Fireplace, Screened balcony, Grill - Log Cabin near Pigeon Forge Cabin | 3 bd · 3 ba · sleeps 6 | $38,966 | $304 | 35% | 5★ (318) | 0.4 mi | Delisted |
Show 15 more
Hot Tub, Fireplace, Screened balcony, Grill - Log
Cabin · 3 bd · 3 ba · sleeps 6 · 0.5 mi
Revenue $32,676ADR $224Occ ≈ 40%5★ (1)
Breathtaking Cabin with Barbecue, Fireplace and Hot-tub in Sevierville, Tennessee
Cabin · 3 bd · 3 ba · sleeps 6 · 0.5 mi
Revenue $3,186ADR $546Occ ≈ 2%—
Delisted
Bruno's Mountain Cave
Vacation home · 3 bd · 3 ba · sleeps 6 · 0.5 mi
Revenue $54,452ADR $242Occ ≈ 62%—
Bruno's Mtn Cave: Free Attraction Tickets
Cabin · 3 bd · 3 ba · sleeps 6 · 0.5 mi
Revenue $44,256ADR $287Occ ≈ 42%4.8★ (4)
Smoky Mountain Splendor two third acre 2 king master suites
Vacation home · 3 bd · 3 ba · sleeps 6 · 0.6 mi
Revenue $61,537ADR $215Occ ≈ 78%—
Sevierville 26 - Three Bedroom Villa, Sleeps 10
Villa · 3 bd · 4 ba · sleeps 10 · 0.6 mi
Revenue $9,953ADR $263Occ ≈ 10%—
Delisted
| Listing | Size | Revenue (12 mo) | ADR | Occ ≈ | Rating | Distance | Links |
|---|---|---|---|---|---|---|---|
Top 5% | Indoor Pool, Views, Hot Tub, A+ Loc, Dogs Cabin
| 3 bd · 2.5 ba · sleeps 10 | $123,767 | $443 | 77% | 5★ (53) | 0.5 mi | AirbnbVrboBooking |
Hot Tub, Fireplace, Screened balcony, Grill - Log Cabin | 3 bd · 3 ba · sleeps 6 | $32,676 | $224 | 40% | 5★ (1) | 0.5 mi | Airbnb |
Breathtaking Cabin with Barbecue, Fireplace and Hot-tub in Sevierville, Tennessee Cabin | 3 bd · 3 ba · sleeps 6 | $3,186 | $546 | 2% | — | 0.5 mi | Delisted |
Bruno's Mountain Cave Vacation home | 3 bd · 3 ba · sleeps 6 | $54,452 | $242 | 62% | — | 0.5 mi | Booking |
Family Retreat Near Dollywood | Hot Tub + Arcade Cabin
| 3 bd · 3 ba · sleeps 10 | $107,927 | $471 | 63% | 4.9★ (194) | 0.5 mi | AirbnbVrbo |
Luxe Cabin with Game Room, Hot Tub & Firepit Cabin
| 3 bd · 3.5 ba · sleeps 8 | $74,436 | $353 | 58% | 5★ (77) | 0.5 mi | AirbnbVrboBooking |
A Bear Creek Plunge: Dive In, Any Season Cabin
| 3 bd · 3 ba · sleeps 10 | $84,967 | $455 | 51% | 4★ (4) | 0.5 mi | AirbnbVrbo |
Bruno's Mtn Cave: Free Tix & Hot Tub! Cabin
| 3 bd · 3 ba · sleeps 6 | $31,401 | $243 | 35% | 5★ (48) | 0.5 mi | AirbnbVrboBooking |
Bruno's Mtn Cave: Free Attraction Tickets Cabin | 3 bd · 3 ba · sleeps 6 | $44,256 | $287 | 42% | 4.8★ (4) | 0.5 mi | Airbnb |
3BR, hot tub, packed with games! Cabin
| 3 bd · 4 ba · sleeps 10 | $56,394 | $342 | 45% | 4.5★ (142) | 0.5 mi | AirbnbVrboBooking |
Luxurious 3BD Lodge with POOL! Hot Tub + Games! Cabin | 3 bd · 4.5 ba · sleeps 8 | $119,997 | $382 | 86% | 4.9★ (136) | 0.5 mi | AirbnbVrbo |
Smoky Mountain Splendor two third acre 2 king master suites Vacation home | 3 bd · 3 ba · sleeps 6 | $61,537 | $215 | 78% | — | 0.6 mi | Booking |
Sevierville 26 - Three Bedroom Villa, Sleeps 10 Villa | 3 bd · 4 ba · sleeps 10 | $9,953 | $263 | 10% | — | 0.6 mi | Delisted |
Private luxury cabin with hot tub under the stars Cabin | 3 bd · 3 ba · sleeps 8 | $84,674 | $296 | 78% | 4.9★ (293) | 0.6 mi | AirbnbVrboBooking |
Log Cabin • Hot Tub • Game Room • Near Sevierville Cabin
| 3 bd · 2.5 ba · sleeps 8 | $33,247 | $297 | 31% | 4.8★ (7) | 0.7 mi | AirbnbVrboBooking |
Revenue and nightly rate (ADR) are trailing-12-month figures per listing. Occupancy is estimated as revenue ÷ ADR ÷ 365 and can read high when revenue includes cleaning fees.
Cash flow calculator
Rate 8.07% = 7.32% Freddie Mac 30-yr avg (Oct 22) + 0.75% investor premium
Est. revenue
$82,834
NOI
-$343,972
Cash flow /mo
-$33,789
Cash needed
$287,750
Cash-on-cash
-140.9%
ROE (yr 1)
-129.3%
Cap rate
-37.2%
DSCR
-5.59
Year-1 write-off
$165,168
Year-1 tax shield @ 32%
$52,854
Year-1 return on equity
- Cash flow (annual)-$405,464
- Principal paydown$5,715
- Appreciation at%$27,750
Tax savings aren't counted. Turn on “Count tax savings in returns” above if you can use the losses.
Opex, cash-needed & tax-savings breakdown
Annual operating expenses
- Management (20% of revenue)$16,567
- Platform fees (3% of revenue)$2,485
- Maintenance / capex (5% of revenue)$4,142
- Utilities & supplies$4,200
- HOA$300
- Property tax$393,562
- Insurance (STR-rated)$5,550
Cash needed to close
- Down payment (25%)$231,250
- Closing costs (4.0%)$37,000
- Furnishing (bought new)$19,500
Tax savings if the STR loophole applies
- Tax shield @ 32%$52,854
Property tax, insurance rate and the land/building split come from this listing's county tax record; other assumptions match the daily feed (see tasks/plan.md).
The write-off comes from the cost segregation estimate below. Not tax advice.
Cost segregation estimate
An estimate from the listing: every part of the home is priced from national construction costs, less wear for age, and the price (less land) is spread over the parts in proportion. The headline is what a typical cost seg study would claim for this property. The answers below are optional refinements.
Depreciable basis
$867,000
Short-life (5/15-yr)
$145,000 · 17%
Year-1 deduction
$165,000
Year-1 tax shield @ 32%
$53,000
Land 6% (county tax record, market value split) · building $722,000 over 39 years · new furniture $20,000
Based on: 4,000 sq ft, built 2005, 3 bd / 3.5 ba, unfurnished, listing features (deck, patio, fence, fireplace, flooring types, appliance list, septic, wooded lot).
Try the cost segregation calculator on any property →
IRS-guide safe-harbor floor: $94,000 in year 1 (9% short-life, $30,000 tax shield), the conservative amount following the IRS audit guide's residential classification table.
- $11,300
Kitchen cabinetsdefault
$14,600 new × 40% good × 1.94 allocation
- $9,200
Kitchen countertopsdefault
$11,900 new × 40% good × 1.94 allocation
- $5,400
Decorative trimdefault
$7,000 new × 40% good × 1.94 allocation
- $300
Mirrorsdefault
$500 new × 40% good × 1.94 allocation
- $900
Shelvingdefault
$1,200 new × 40% good × 1.94 allocation
- $7,800
Window coverings (40)default
$10,000 new × 40% good × 1.94 allocation
- $12,700
Kitchen & laundry equipment plumbingdefault
$11,300 new × 58% good × 1.94 allocation
- $7,700
Kitchen, laundry & data equipment electricaldefault
$6,900 new × 58% good × 1.94 allocation
- $3,800
Appliances (microwave, dishwasher, refrigerator, washer)listing
$4,900 new × 40% good × 1.94 allocation
- $19,500
Furniture bought newlisting
$19,500 new × 100% good · bought separately
- $12,700
Paving: driveway & walks (paved)default
$13,100 new × 50% good × 1.94 allocation
- $6,100
Landscaping (minimal)listing
$6,300 new × 50% good × 1.94 allocation
- $17,400
Patioslisting
$18,000 new × 50% good × 1.94 allocation
- $43,600
Decks & porches (attached)listing
$45,000 new × 50% good × 1.94 allocation
- $5,800
Fencinglisting
$6,000 new × 50% good × 1.94 allocation
- $548,400
Structure: foundation, framing, walls, windows, doors, roof, interior finishesdefault
$435,400 new × 65% good × 1.94 allocation
- $50,700
Building plumbing & fixturesdefault
$45,100 new × 58% good × 1.94 allocation
- $53,900
Building electrical & lightingdefault
$48,000 new × 58% good × 1.94 allocation
- $34,900
HVACdefault
$45,100 new × 40% good × 1.94 allocation
- $20,000
Hardwood & tile floorsdefault
$25,700 new × 40% good × 1.94 allocation
- $2,000
Fireplacelisting
$2,600 new × 40% good × 1.94 allocation
- $11,600
Septic systemlisting
$12,000 new × 50% good × 1.94 allocation
About the property
Depreciation schedule: typical cost seg study
| Year | 5-yr | 15-yr | Building | Total |
|---|---|---|---|---|
| 1 | $78,700 | $85,700 | $800 | $165,200 |
| 2 | $0 | $0 | $18,500 | $18,500 |
| 3 | $0 | $0 | $18,500 | $18,500 |
| 4 | $0 | $0 | $18,500 | $18,500 |
| 5 | $0 | $0 | $18,500 | $18,500 |
| 6+ | $0 | $0 | $646,900 | $646,900 |
| Total | $78,700 | $85,700 | $721,700 | $886,100 |
Model-based estimate, not an engineered cost segregation study. The IRS doesn’t approve studies; get a professional study before filing. Using these losses against W-2 income needs the short-term rental exception (average stay ≤7 days + material participation). The 39-year building life applies because stays average under 30 days, a separate test (27.5 years for a long-term rental). Federal only: California, Georgia and Wisconsin disallow bonus depreciation, Ohio adds back 5/6 of it, and Tennessee has no personal income tax. Not tax advice.
Market note
STR allowed in most of Sevier County; inside Gatlinburg city limits only in overnight-rental zones.