The $15 Million Re-Listing: Inside Dave Ramsey's Former Franklin, TN Mansion
The question of "Is Dave Ramsey's house for sale?" has a complex and fascinating answer as of December 2025: Yes, but it's his *former* home, and the price tag tells a story all its own. The sprawling, chateau-style estate in the affluent Nashville suburb of Franklin, Tennessee, that the personal finance guru once owned is back on the market, creating a buzz in the luxury real estate world. This opulent property, which Dave Ramsey and his wife Sharon built and sold in 2021, has returned with a staggering asking price of $15 million, a significant jump from its last recorded sale price. The saga of this luxury home offers a unique glimpse into the high-stakes world of wealthy real estate transactions, set against the backdrop of a man who preaches a life of debt-free simplicity and financial discipline.
The current listing of the home, located in a gated community in Williamson County, highlights a massive appreciation in value—or perhaps a different pricing strategy—just a few years after Ramsey departed the residence. For followers of his "Baby Steps" plan, the details of the home’s purchase, sale, and subsequent re-listing provide a compelling, if slightly ironic, case study in high-end real estate investment and the sometimes-volatile nature of the Nashville housing market.
Biography and Financial Philosophy of Dave Ramsey
David Lawrence Ramsey III is one of America's most recognizable personal finance personalities, having built an empire on the principles of debt elimination and wealth building. His journey is as central to his brand as his famous "Baby Steps."
Dave Ramsey: At a Glance
- Full Name: David Lawrence Ramsey III
- Born: September 3, 1960
- Birthplace: Antioch, Tennessee
- Spouse: Sharon Ramsey
- Career Start: Began building wealth through buying and selling property in his early 20s.
- Company: Founder and CEO of Ramsey Solutions (formerly The Lampo Group), established in 1992.
- Primary Role: Nationally syndicated radio host of *The Dave Ramsey Show* and author of multiple best-selling books, including *The Total Money Makeover*.
- Net Worth (Estimated): Approximately $200 million as of 2024.
Ramsey's financial philosophy is rooted in his own experience of becoming a millionaire by age 26, only to lose everything and file for bankruptcy due to over-leveraging his real estate portfolio. This "rock bottom" moment became the foundation for his entire career, leading to the creation of his famous "Baby Steps"—a sequence of seven steps designed to help people get out of debt and build wealth. His core teachings emphasize avoiding all debt, including mortgages, and paying cash for everything.
The irony of a personal finance guru owning and transacting in multi-million dollar luxury real estate is not lost on his critics or his followers. However, Ramsey has always maintained that his goal is to help people achieve "financial peace," which for him and his family, includes the freedom to own a spectacular, mortgage-free home.
The Franklin, TN Chateau: A Detailed Look at the Luxury Property
The estate in question is a masterpiece of luxury architecture, located in the prestigious, rolling hills of Franklin, a highly sought-after suburb south of Nashville. Known for its high-end amenities and sprawling scale, the home is a testament to the wealth that can be accumulated through successful financial entrepreneurship.
Key Features and Specifications
The chateau-style residence is not just a large house; it is a sprawling compound designed for ultimate privacy and luxury living. The property’s specifications are truly staggering, placing it firmly in the ultra-luxury tier of the Williamson County real estate market.
- Location: Franklin, Tennessee (a suburb of Nashville).
- Property Type: Chateau-style estate on a hilltop in a gated community.
- Total Square Footage: Approximately 14,876 square feet.
- Bedrooms/Bathrooms: 7 bedrooms and 10 bathrooms (8 full, 2 half).
- Lot Size: Originally built on 14.4 acres, the portion sold by Ramsey was about 5 acres.
- Amenities: The home boasts an elevator, a large outdoor pool, and extensive custom finishes throughout.
Ramsey purchased the original 14.4 acres of land in 2009 for $1.6 million, building the custom home a year later. The construction and design reflect a no-expense-spared approach, resulting in a home that is both grand and highly customized. The sheer size and level of detail make it a landmark property in the Nashville area.
The Real Estate Saga: From $15.45M to $10.2M and Back to $15M
The financial history of the property is arguably the most compelling part of the story, especially given Ramsey's public profile as a financial advisor. The home's journey through the market illustrates the unpredictable nature of high-end real estate and the potential for a property to be re-listed at a significantly higher price by a subsequent owner.
The 2021 Sale and the $5 Million Discount
In February 2021, Dave and Sharon Ramsey listed their palatial residence for an ambitious $15.45 million. At the time, a representative for Ramsey Solutions stated that the couple was selling to build a new home on other land they owned south of the city, taking advantage of the hot Nashville real estate market.
However, the property did not sell at its asking price. In August 2021, the deal closed for a final sale price of $10.2 million. This represented a substantial 34% discount off Ramsey's original asking price. Furthermore, the sale was for a smaller, 5-acre portion of the original estate. While $10.2 million is a massive sum, the significant reduction from the list price was a notable detail that caught the attention of real estate observers.
The Current $15 Million Re-Listing
Just four years after Ramsey sold the property, the chateau has reappeared on the market, now listed by the subsequent owner for $15 million. This re-listing price is nearly the same as Ramsey's original 2021 asking price of $15.45 million and is a striking $4.8 million higher than the $10.2 million sale price.
The dramatic increase in the asking price can be attributed to several factors. The Nashville and Williamson County luxury real estate markets have continued to boom, seeing unprecedented appreciation in recent years. Additionally, the new owner may have made significant upgrades, or the initial 2021 sale price reflected a quick, discounted transaction for the smaller acreage. Regardless of the reason, the $15 million figure underscores the extreme wealth and rapid growth characterizing the elite real estate sector in Tennessee.
For those following the principles of debt-free living advocated by Ramsey Solutions, the home's financial narrative is a powerful reminder that even the most successful investors navigate a complex and volatile market. The property’s current availability presents a rare opportunity for a new owner to acquire a significant piece of Nashville's luxury real estate history, a home originally built by the man who taught millions how to manage their money.
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