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Billie Kay Caldwell

Billie Kay Caldwell
Real Estate Agent (Affiliate Broker)
Winchester TN

Affiliate Broker (TN: 319307)

20 years experience

REALTOR® 11 Active Listings Serves Franklin County, TN
View on Realtor.com

Contact Information

Brokerage
Swaffords Property Shop Llc

Office Website
Office Address
45 Stone Field Dr
Winchester, TN  37398
(Franklin County)
Office Phone
931-303-0400
Office Fax
Mobile
931-434-0516
Email
kayc*******@*********.com
Show Email for $5

Service Areas

Murfreesboro: TN Christiana: TN Rockvale: TN Walterhill: TN Estill Springs: TN Dickel: TN Lynchburg: TN Tullahoma: TN Decherd: TN Winchester: TN Cowan: TN

About Billie Caldwell

Billie Kay Caldwell, affectionately known as Kay, is a dedicated real estate professional with deep roots in her community, surrounded by the beauty of lakes and mountains. Alongside her husband, Roger, who is also a realtor, she is committed to providing exceptional service to her clients.

Kay's life is enriched by her faith, her children, and her grandchildren, all of which inspire her passion for helping others. A natural people person, she thrives in the real estate industry, where she has made a significant impact since obtaining her Georgia Real Estate License in late 2006 with Prudential Georgia.

In her inaugural year, Kay distinguished herself by earning multiple accolades, including the Rock Climber Award, Listing Agent of the Month, Overall Agent of the Month, Rising Star, and the Sunshine Award. By 2007, she was recognized as a member of the NAMAR Elite Realtor Society, formerly known as the Million Dollar Club, after only nine months in the field. Her early success continued with the prestigious Rookie of the Year award.

In 2008, Kay's achievements included Top Agent, Listing Star, and List to Sell awards, among others. While she has received numerous accolades throughout her career, she considers her greatest achievement to be the satisfaction of her clients.

Kay believes that hard work, self-belief, and divine guidance pave the way to success. She emphasizes the importance of maintaining a positive attitude, making the most of every success, and finding lessons in every setback.

Franklin County, TN Real Estate Market Analysis (Single Family Homes)

$463,094
Avg. Listing Price
From Billie's portfolio
3.2 / 2.4
Avg. Beds/Baths
Typical property size
2,041 sf
Avg. Square Footage
Interior living space
412
Active Listings
Current inventory

Franklin County, Tennessee's real estate market reflects the unique character of this scenic region nestled in the southern part of the state, where rolling hills meet the Tennessee River. The county encompasses diverse communities from the historic county seat of Winchester to charming rural townships, creating a market that balances small-town appeal with proximity to larger metropolitan areas. With 193 actively licensed real estate agents serving the area, the market maintains a healthy agent-to-population ratio that ensures competitive service while avoiding oversaturation.

What makes Franklin County particularly intriguing is its position as a gateway between Nashville's expanding influence and the natural beauty of the Tennessee Valley. The presence of Tims Ford Lake has created distinct waterfront and recreational property segments that command premium pricing, while agricultural lands and historic properties offer different investment opportunities. All 193 licensed agents in the county maintain email contact information, reflecting a modern, connected professional community that serves both local residents and out-of-state buyers drawn to Tennessee's favorable tax climate.

Major Franklin County, Tennessee Real Estate Markets

Winchester dominates Franklin County's real estate landscape as the largest city and county seat, featuring a mix of historic downtown properties, established neighborhoods, and newer suburban developments. The city's proximity to major highways and its role as a regional commerce hub make it attractive to both families and retirees seeking affordable living with small-town charm. Nearby communities like Cowan, known for its railroad heritage, and Estill Springs offer distinct market niches, with Cowan attracting buyers interested in historic renovation projects and Estill Springs appealing to those seeking rural tranquility.

The Tims Ford Lake area represents Franklin County's premium market segment, stretching across multiple communities and offering everything from modest lake cabins to luxury waterfront estates. This recreational corridor has attracted significant out-of-state investment, particularly from buyers in higher-tax states seeking Tennessee residency. Rural areas throughout the county present opportunities in agricultural real estate, hunting properties, and large-acreage homesites that appeal to buyers seeking privacy and space.

Market Dynamics and Geographic Complexity

Franklin County's real estate market operates with distinct seasonal patterns, heavily influenced by the lake recreation season and hunting schedules. Spring and summer months typically see increased activity in waterfront properties, while fall brings attention to hunting lands and rural acreage. The market has experienced steady appreciation driven by Tennessee's population growth, though it remains significantly more affordable than urban markets in Nashville or Chattanooga, creating opportunities for first-time buyers and retirees.

Geographic diversity creates multiple micro-markets within the county, each requiring specialized local knowledge. Properties near the Alabama border may appeal to buyers seeking cross-border accessibility, while areas closer to Coffee County benefit from proximity to Tullahoma's aerospace industry. The county's agricultural heritage means many properties include farmland, timber rights, or conservation easements, adding complexity that requires agents with rural property expertise.

Why Businesses Need Franklin County, Tennessee Agent Contact Data

Real estate service providers, from mortgage lenders to home inspectors, find Franklin County's concentrated agent network highly valuable for building professional relationships. With all 193 agents maintaining email accessibility, businesses can efficiently reach the entire professional community for partnership opportunities, referral programs, and service offerings. The county's mix of local buyers, relocating families, and investment purchasers creates diverse client needs that support various ancillary business opportunities.

Marketing firms and real estate technology companies particularly benefit from Franklin County's agent data because the market represents a perfect blend of traditional rural real estate practices and modern digital communication. Agents here handle everything from historic downtown commercial properties to luxury lake estates, requiring diverse marketing tools and services that create multiple business opportunities for vendors seeking to serve this dynamic professional community.

Current Property Listings

As of 2/17/2026, Billie Caldwell has 11 properties for sale in Winchester and surrounding areas. These are the top 10 listings.

$199,900

Listed 2025-06-20

715 N High St
Winchester, TN  37398

Beds: 3.0
Baths: 2.0
Sq Ft: 1,360
Lot: 6,534 sf
Single Family Map
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$466,500

Listed 2025-02-11

105 Island Way
Winchester, TN  37398

Beds: 3.0
Baths: 2.5
Sq Ft: 2,631
Lot: 1,742 sf
Townhomes Map
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$469,000

Listed 2025-08-12

203 Campfire Ct
Winchester, TN  37398

Beds: 4.0
Baths: 2.5
Sq Ft: 2,141
Lot: 6,098 sf
Single Family Map
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$1,350,000

Listed 2025-10-08

169 Joy Cir
Winchester, TN  37398

Beds: 3.0
Baths: 3.5
Sq Ft: 3,183
Lot: 14,810 sf
Single Family Map
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$1,525,000

Listed 2026-01-23

71 Slalom Cir
Winchester, TN  37398

Beds: 4.0
Baths: 4.0
Sq Ft: 4,500
Lot: 12,197 sf
Single Family Map
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$600,000

Listed 2025-06-01

106 Rigney Rd
Manchester, TN  37355

Beds: 3.0
Baths: 2.5
Sq Ft: 3,494
Lot: 39,204 sf
Single Family Map
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$349,900

Listed 2025-07-21

103 Cowan St W
Cowan, TN  37318

Beds: 3.0
Baths: 2.0
Sq Ft: 2,528
Lot: 30,056 sf
Single Family Map
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$200,000

Listed 2026-01-24

Box House Rd
Belvidere, TN  37306

Beds:
Baths:
Sq Ft:
Lot: 249,163 sf
Land Map
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$999,999

Listed 2025-11-18

510 N Porter St
Winchester, TN  37398

Beds: 3.0
Baths: 2.5
Sq Ft: 2,677
Lot: 27,878 sf
Single Family Map
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$118,850

Listed 2025-12-18

Why Worry Ln
Winchester, TN  37398

Beds:
Baths:
Sq Ft:
Lot: 14,810 sf
Land Map
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Current Property Rentals

As of 2/17/2026, Billie Caldwell has the following rental properties available in Winchester and surrounding areas. These are the top 10 listings.

$1,900

Listed 2026-01-07

44 Anderton Dr Unit 44
Winchester, TN  37398

Beds: 2.0
Baths: 2.0
Sq Ft: 1,287
Condos Map
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