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Knoxville, TN · Knox County · 55+ · Attached Cottages · Boutique

Cottages at Pryse Farm

Boutique attached cottage community in Knoxville — exterior maintenance included, pool and fitness, Knox County address, and the most maintenance-free 55+ product in the Knoxville market.

~100Homes
~$200/moHOA / Month
$300K–$500KPrice Range
~0.65%Knox Co. Tax
OverviewTrue CostEast TN Hub

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Overview

Cottages at Pryse Farm is the lock-and-leave option in the Knoxville 55+ market — attached single-story cottages with full exterior maintenance included in the HOA. The ~$200/month HOA covers exterior paint, roof, lawn, and snow removal, making it a true maintenance-free product.

Knox County location gives residents access to the full Knoxville amenity infrastructure — UT Medical Center, Turkey Creek retail, downtown Knoxville restaurants and arts, and the University of Tennessee campus. For buyers who want to travel extensively or maintain a second home, the lock-and-leave model eliminates home maintenance anxiety.

Knox County Property Tax Freeze for SeniorsTennessee’s Property Tax Freeze program locks your tax bill at its current level for qualifying residents 65+ meeting income thresholds. In a rising market, this is meaningful protection against escalating carrying costs. Verify current Knox County thresholds with the county assessor after purchase.
Zero Tennessee State Income TaxTennessee eliminated all state income tax in 2021 — no tax on IRA withdrawals, pensions, Social Security, or investment income. For retirees drawing $60K–$120K/year from tax-deferred accounts, this is worth $3,500–$7,000/year vs states with 5–6% income tax rates.

Amenities

Clubhouse with pool
Fitness center
Walking trails
Exterior maintenance included (HOA)
Lawn care included (HOA)
Community gathering spaces
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True Monthly Cost

All-in monthly cost — $400K Cottages at Pryse Farm home

HOA fee~$200/mo
Knox Co. property tax (~0.65%)~$217/mo
Homeowners insurance (inland TN — low risk)~$75–$130/mo
Utilities~$150–$210/mo
State income tax$0 — zero TN income tax
Total monthly carrying cost (excl. mortgage)~$642–$757/mo

Right For / Not Right For

Good fit if you:

  • Want true exterior maintenance-free living in Knoxville
  • Want to lock and leave without worrying about the home
  • Want Knox County city proximity at lower price than Grove at Cedar Hills
  • Want attached cottage scale vs larger detached communities

Not right if you:

  • Want lake access or golf (→ Tellico Village, Fairfield Glade)
  • Want detached single-family home
  • Want largest social community (→ Tellico Village)

Questions About Cottages at Pryse Farm?

We can run your Knox County tax estimate, Tennessee income tax savings, and true all-in cost comparison.

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Free Consultation · Vetted Agents · No Obligation

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the right 55+ community?

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