The River Club » A Family Community



Q: Is financing difficult?
A. No! Several financing plans are available and can be tailored to suit just about anyone’s budget.

Q: If we want to see the property, are you offering any special promotions?
A: Absolutely! We’re so confident you’ll simply love The River Club we’re offering you a Free Trip. What does this include?  Airfare and hotel costs for the duration of your initial visit.*  You chose your preferred method of travel and your favorite hotel.  It’s all on us- there is no obligation to buy. That’s how confident we are you’ll find your dream home.

Q: How can I qualify for the complimentary trip?
A: You must first pre-qualify. You can do this by filling out the Pre Qualification form. It’s fast and easy.

Q: How can your company afford to offer a free trip? Will we be pressured or feel obligated to make a purchase?
A: Experience has proven that the complementary trip we offer is a great marketing approach because serious buyers appreciate being able to get pre-approved for financing and have the opportunity to see the community first hand in a relaxed environment. Each buyer works individually with their own Tennessee real estate agent which gives them the personalized attention they need to make an informed decision. Our River Club sales agents are knowledgeable, friendly, and eager to help you make your choice without sales pressure. There is no obligation to make a purchase but we are confident that you will love what you see and want to be a part of The River Club community. Our successful sales record is proof positive that this program benefits both the buyer and our company.

Q: What is the cost of living in your area?
A: Your dollar will go a long way here! According to a recent survey by the American Chamber of Commerce Research Association, the cost of living in Tennessee is 17% less than the national average. Tennessee has no personal state income tax, very low insurance rates, low utility bills and low construction costs. There are no personal property taxes and county property taxes are approximately $550 per $100,000 of value. A recent comparison between Fort Lauderdale and Cookeville, TN resulted in 17% less for groceries, 55% less for home prices and 23% less for utilities.

Q: What is nearby for major shopping?
A: There is a Super Walmart right in Sparta on Hwy. 111. Nearby Chattanooga features Hamilton Place, Tennessee’s largest shopping mall. Hamilton Place is home to over 200 fabulous stores including Dillard’s, J.C. Penney, Parisian, Proffitt’s for Women, Proffitt’s For Men, Kids & Home and Sears. Add to that 30 delicious eateries and 17 theaters and Hamilton Place is a complete shopping experience. Chattanooga is also home to Warehouse Row, one of the area’s most unique outlet centers with 95,000 square feet and 20 outlet shops offering amazing discounts. Set in renovated turn-of-the-century railroad warehouses built between 1904 and 1911 that features beautiful hardwood floors, two levels of famous brand name stores, an elegant setting, great food and a convenient downtown Chattanooga location. Close to Atlanta, Nashville, Knoxville, and Birmingham, Warehouse Row is the premier fashion center in the area with merchants like Bass, Nine West, OshKosh B’Gosh, Ralph Lauren and Tommy Hilfiger.

Q: Can you tell us about State and National Parks?
A: On a state level, Tennessee has 54 state parks. Just 15 minutes from The River Club is Fall Creek Falls State Park, boasting the largest waterfall east of the Rocky Mountains. The park features miles of hiking, biking and equestrian trails, an abundance of wildlife and lush vegetation, an outstanding lakeside resort hotel and a dining facility. The park’s golf course was rated by Golf Digest Magazine as one of the “100 Best Public Places to Play.” National parks and landmarks in Tennessee include Smoky Mountain National Park, which encompasses 800 square miles along the Tennessee and North Carolina state lines. Cumberland Caverns in McMinnville is a U.S. National Landmark with some of the largest cave rooms in eastern America. The Lost Sea in Sweetwater is a U.S. Natural Landmark and is the largest underground lake in America.

Q: What about nearby attractions?
A: There are numerous attractions nearby. These include Burgess Falls State Natural Area in Sparta, horseback riding at Fall Creek Falls State Park and whitewater rafting on the Ocoee River. Historic Chattanooga offers the Tennessee Aquarium, Southern Belle Riverboat and the famous Chattanooga Choo Choo. These are just a few of the many exciting things to see and do in Tennessee!

Q: Is it true that deer are seen quite frequently in your part of Tennessee?
A: Yes! Many of your new “friends” and “neighbors” at The River Club will have paws or hoofs, fur or feathers and some of the brightest and sharpest eyes you could ever hope to see. It really doesn’t take very long to become extremely attached to and very protective of your new friends and neighbors. Our hardwood forests are also home to red and gray fox, raccoon, squirrel, coyote and wild turkey.

Q: Can you tell us a little about hunting and fishing in Tennessee?
A: Hunting is a Tennessee tradition that for generations has attracted both residents and visitors to the state’s woods and waters. Tennessee abounds with excellent small game populations including rabbit, squirrel, and quail. Waterfowl include Canadian geese, duck and wild turkey. The whitetail deer is Tennessee’s number one game animal. Outstanding nearby fishing areas include Center Hill Lake, Fall Creek Falls State Park, Dale Hollow Lake, as well as the Collins, Rocky and Caney Fork Rivers, to name just a few. You’ll enjoy the challenge of catching “the big one” whether it’s large mouth bass, blue gill, channel catfish, or rainbow trout.

Q: Is there quality healthcare in the area? What about hospitals?

A: Healthcare in the area is anchored by the Cumberland Medical Center in Crossville. This private non-profit regional facility has 202 medical/surgical beds and a 20 bed sub-acute care unit. The hospital features an emergency department with 24 hour physician coverage, expanded same day surgery unit, comprehensive outpatient services, cardiac and pulmonary rehabilitation and home health services. This facility has ranked in the Top 100 Hospitals in America. Nearby White County Community Hospital in Sparta is a 60 bed medical facility with emergency care. River Park Hospital in McMinnville is a 127 bed hospital offering full healthcare services. Additionally, Cookeville Regional Medical Center is a 227 bed health care facility with over 100 physicians and the Department of Veterans Affairs provides services in Chattanooga and Nashville, as well as an outpatient clinic in Cookeville. Regional EMS Alliance operates its Life Force 2 air medical transportation unit out of Sparta.

Q: What are some of the fun things to do in Tennessee?
A: There are hundreds of great places to visit. Let’s start with Nashville where you can visit The Country Music Hall of Fame, The General Jackson Showboat and Opryland. In Memphis, there’s Graceland (former home of Elvis Presley), the Mississippi River Museum and Beale Street, famous for the blues. In Chattanooga you can see Raccoon Mountain Caverns, Ruby Falls at Lookout Mountain with its famous Incline Railway and, of course, the Chattanooga Choo Choo. Knoxville is home to a great historic district and an impressive zoo. Southeastern Tennessee offers Gatlinburg, Pigeon Forge and Dollywood for a variety of family entertainment.

Q: Is it difficult to qualify for a home loan?
A: No! Our financing plans and terms are excellent so we are confident that we can tailor a plan that will fit your budget. Like most lenders, to get the best rates and to put the least amount down, you must have good credit. However, if you have had some credit problems in the past, we may have a program for you as well.

Q: Are there any monthly recreation and maintenance fees or dues?
A: Yes, $200 a month, which includes road repair/maintenance, maintenance of the pool and clubhouse.  We will provide lawn care at an additional cost of $99 per month.


If you have any questions that were not covered in this section, please feel free to contact us at 1-888-335-5263