1301 Mcbrien Rd · East Ridge, TN 37412

$175,000

3 bd · 2.0 ba · 1,113 sqft · SingleFamily public records · 57 Days on market

Built 1955 0.25 ac lot Est $237k · 26% under

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +14.5/30.0
• DSCR +4.4/10.0
• Livability +3.6/5.0
• 1% rule +3.3/10.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

Key facts

• Primary suite
• Carport
• Spacious lot

Tags

• SPLIT-BEDROOM FLOOR PLAN
• PRIMARY SUITE
• SPACIOUS LOT
• CARPORT
• BACK DECK
• YARD SPACE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $38 ($459/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $146k (16.6% below list).
• Recommended offer: $146k (16.6% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.8% in East Ridge — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 71/100 on livability (#41 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: amenities D+, crime D, commute F.
• Hamilton County (urban): math 31% / reading 31% proficiency, ranked #42 of 139 in TN (top 30%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: East Ridge Elementary (math 22% / reading 18%, grade F, #644 of 952 statewide, top 68%, 996 students, 0% FRL); East Ridge Middle School (math 12% / reading 14%, grade F, #237 of 333 statewide, top 72%, 701 students, 0% FRL); East Ridge High School (math 7% / reading 17%, grade F, #265 of 332 statewide, top 80%, 1,008 students, 0% FRL) — zoned schools average 0% FRL vs 52% district-wide (52 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 15% at this address vs 31% district-wide (-16 pts) — the specific schools serving this property underperform the Hamilton County average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.0%/yr); 160 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 2,133 units permitted in Hamilton County in 2024 (405 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Hamilton County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y ago; this cycle's ask has dropped $35k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $121k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,926 (16.6% below list)

Questions for the listing agent

1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.83% ✗
• Cap rate: 6.56%
• Cash-on-cash: 0.94%
• DSCR: 1.04
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $237,069
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
716 Astor Ln	0.25mi	3/1.0	1,059 (-5%)	1mo	$225,000	$212	75
5207 Weaver St	0.29mi	3/1.0	1,200 (+8%)	2mo	$249,000	$208	68
4243 Kenton Dr	0.39mi	3/1.0	1,146 (+3%)	10mo	$299,900	$262	65
5297 Spriggs St	0.51mi	3/1.5	1,128 (+1%)	13mo	$224,000	$199	61
5603 Clemons Rd	0.64mi	3/1.0	1,142 (+3%)	2mo	$180,000	$158	60
315 S Howell Ave	0.69mi	3/1.5	1,149 (+3%)	1mo	$245,000	$213	59
4332 Esterbrook Dr	0.33mi	2/1.0 (-1)	1,056 (-5%)	13mo	$250,000	$237	57
1807 Prigmore Rd	0.68mi	3/2.0	1,154 (+4%)	11mo	$229,000	$198	53
5422 Clemons Rd	0.51mi	2/1.0 (-1)	1,010 (-9%)	2mo	$185,000	$183	50
904 Sunny Dell Cir	0.56mi	3/1.0	1,000 (-10%)	9mo	$215,000	$215	46
2001 Mcbrien Rd	0.69mi	3/1.0	1,050 (-6%)	11mo	$225,000	$214	45
514 Wando Dr	0.70mi	2/1.0 (-1)	1,023 (-8%)	14mo	$239,000	$234	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.0%
• Equity multiple: 0.38×
• Total profit: $-30,232
• Equity at exit: $26,093

10-year hold

• IRR: -16.8%
• Equity multiple: 0.19×
• Total profit: $-39,861
• Equity at exit: $15,131

Cash invested: $49,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Tennessee: 87 Strongly Landlord-Friendly · R+13
• County: — inherits STATE
• City: — inherits STATE

14-day notice (URLTA); generally landlord-favorable; Nashville court paced moderate.

Methodology + full state rankings →

ZIP-level market 37412

• Home prices YoY: -28.8%
• Rents YoY: -2.0%
• Active inventory: 160
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,459 high
• Mortgage (P&I): −$918
• Tax from tax record: −$124 /mo · $1,487/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$306
• Net cashflow: $38

Break-even live

Break-even rent $1,411

Max offer price $175,000

Occupancy floor 92%

Sensitivity live

Price	-10% $137	-5% $88	+0% $38	+5% $-11	+10% $-61
Rent	-10% $-77	-5% $-19	+0% $38	+5% $96	+10% $154
Rate	-1.0pp $126	-0.5pp $83	base $38	+0.5pp $-7	+1.0pp $-53

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5307 Marion Ave Chattanooga, TN	2.0	1.0	900	$1,150	$1.28	25d	1	0.09mi
1111 McBrien Rd Chattanooga, TN	4.0	2.0	1300	$1,499	$1.15	16d	1	0.20mi
315 Mcbrien Rd Unit 2 Chattanooga, TN	2.0	2.0	1080	$1,850	$1.71	25d	1	0.71mi
5700 Roper St Chattanooga, TN	1.0–2.0	1.0–1.5	795	$1,120	$1.41	25d	1	0.94mi
1638 Keeble St Unit 1640 Chattanooga, TN	2.0	1.5	800	$1,095	$1.37	25d	1	0.99mi
1640 Keeble St East Ridge, TN	2.0	1.5	800	$1,095	$1.37	25d	1	0.99mi
100 Rees Ave Chattanooga, TN	2.0	1.0	995	$1,450	$1.46	25d	1	1.04mi
1302 Ridgefield Cir Chattanooga, TN	2.0	1.0	802	$1,199	$1.50	25d	1	1.06mi
3720 Fountain Ave Chattanooga, TN	2.0	1.0	764	$1,100	$1.44	25d	1	1.06mi
3725 Fountain Ave Chattanooga, TN	2.0–3.0	1.0–2.0	1110	$1,450	$1.31	16d	4	1.11mi
1016 Greenslake Rd Chattanooga, TN	2.0	1.0	1250	$775	$0.62	16d	1	1.15mi
34 Biscayne Blvd Rossville, GA	3.0	1.0	1100	$1,399	$1.27	16d	1	1.15mi
1502 Prater Rd Chattanooga, TN	4.0	1.5	1280	$2,340	$1.83	25d	1	1.17mi
105 Biscayne Blvd Rossville, GA	2.0	2.0	1000	$1,650	$1.65	45d	1	1.22mi
1408 Mana Ln East Ridge, TN	2.0–3.0	1.5–2.5	1357	$1,659	$1.22	16d	3	1.24mi
211 N Saint Marks Ave Chattanooga, TN	3.0	2.0	1485	$1,600	$1.08	16d	1	1.29mi
213 N Saint Marks Ave Chattanooga, TN	3.0	2.0	1337	$1,600	$1.20	16d	1	1.30mi
1413 Mana Ln Chattanooga, TN	2.0	1.0	990	$1,200	$1.21	25d	1	1.32mi
61 Corley Ave Rossville, GA	3.0	2.0	1304	$1,823	$1.40	25d	1	1.36mi

Listing history 31 events

1. 2026-03-17
   status Pending

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

2. 2026-03-17
   status Pending 570-char remark

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

3. 2026-03-17
   status Pending 570-char remark

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

4. 2026-03-11
   price $175,000 570-char remark

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

5. 2026-03-11
   price $175,000 570-char remark

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

6. 2026-03-11
   price $175,000

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

7. 2026-03-06
   price $188,900 570-char remark

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

8. 2026-03-06
   price $188,900 570-char remark

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

9. 2026-03-06
   price $188,900

   Show marketing remark (570 chars)

   Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

10. 2026-02-27
    price $190,000

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

11. 2026-02-27
    price $190,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

12. 2026-02-27
    price $190,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

13. 2026-02-19
    price $195,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

14. 2026-02-19
    price $195,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

15. 2026-02-19
    price $195,000

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

16. 2026-02-09
    price $200,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

17. 2026-02-09
    price $200,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

18. 2026-02-09
    price $200,000

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

19. 2026-02-03
    price $205,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

20. 2026-02-03
    price $205,000 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

21. 2026-02-03
    price $205,000

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

22. 2026-01-19
    listed $210,000 Active 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

23. 2026-01-19
    listed $210,000 Active 570-char remark

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

24. 2026-01-19
    listed $210,000 Active

    Show marketing remark (570 chars)

    Investment Opportunity! This 3-bedroom, 2-bathroom home offers a smart split-bedroom floor plan, placing the primary suite on its own end of the home for added privacy. Sitting on a spacious ¼ acre lot, the property features a carport, back deck, and plenty of yard space, perfect for entertaining or future improvements. Home is being sold as-is, making it an ideal opportunity for investors or buyers looking to add their personal touch. Whether you're expanding your rental portfolio or seeking a value-packed property with potential, this one is worth a look!

25. 2018-11-19
    soldstatus $121,250
26. 2018-11-16
    soldstatus $121,250
27. 2018-11-16
    soldstatus $121,250
28. 2018-11-16
    soldstatus $121,250
29. 2018-09-17
    listed $135,000
30. 2006-05-08
    soldstatus $105,900
31. 1997-09-25
    soldstatus $56,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast TN · Resets to sale price

• Current annual tax: $1,487 · $124/mo
• Projected year-2 tax: $1,487 · $124/mo
• Expected delta: $0/yr ($0/mo · -0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 12% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,511
• − Mortgage interest: −$9,803
• − Property taxes: −$1,487
• − Insurance: −$875
• − Repairs & maintenance: −$1,401
• − Management: −$1,401
• − Depreciation: −$5,091
• Taxable loss: −$2,546
• Est. tax savings @ 24.0%: +$611
• After-tax cash flow: $1,070/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Hamilton County
• NCES district ID: 4701590
• Math proficiency: 31% ▼ -10.00%
• Reading proficiency: 31% ▼ -3.00%
• Median HH income: $47,456
• Composite: 26.8/100
• National rank: #7122
• State rank: #42 of 139 in TN

Livability — East Ridge

• Score: 71/100
• State rank: #41
• US rank: #6686

Category grades

Amenities D+ Commute F Cost of living A+ Crime D Employment D- Housing A+ Health & safety A User ratings B

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: East Ridge, TN
• County: Hamilton County · 312,777 people
• City population: 21,864
• Metro: Chattanooga, TN-GA
• Population (ZIP): 21,864
• Household income: $62,508
• Rent vs Own: 42.3% rent · 57.7% own
• Severe rent burden: 857.0

Population outlook (Hamilton County) Hauer SSP2

• Today (2025): 393,784 people
• By 2030: 412,983 · +4.9%
• By 2040: 449,502 · +14.1%
• By 2050: 484,341 · +23.0%
• By 2075: 565,746 · +43.7%
• By 2100: 618,394 · +57.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 15% Black 11% Two or more races 5%
• Hispanic origin (detail): Mexican 9% Puerto Rican 2%
• Common ancestry: Slovak 3% Italian 2% American 2%
• Foreign-born: 9% · Canada, Dominican Republic
• Languages at home: 85% English-only · Spanish 12% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Hamilton

• 2024 margin: R (+13.1) · D 42.7% · R 55.7% · Other 1.6%
• 2008→2024 swing: -1.2pp toward R · 2008: -11.8pp · 2024: -13.1pp
• All cycles: 2024: R+13.1 2020: R+9.7 2016: R+16.6 2012: R+14.8 2008: R+11.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -109.86%
• Current HPI: 271.4004
• Rent YoY: ▼ -2.04%
• Metro: Chattanooga, TN-GA
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

Industry mix (Fortune 500 HQ in TN)

Industry	F500 HQs	Revenue
▸Healthcare	3	$91B
▸Retail	3	$72B
▸Transportation / Logistics	1	$88B
▸Paper / Packaging	1	$19B
▸Insurance	1	$13B
▸Energy	1	$12B

Price history

+209.7% since first listed

31 events — show timeline

• 2026-03-17 Pending — REALTRACS as Distributed by MLS Grid
• 2026-03-17 Pending — RCAOR
• 2026-03-17 Pending — GCAR
• 2026-03-11 Price Changed $175,000 RCAOR
• 2026-03-11 Price Changed $175,000 GCAR
• 2026-03-11 Price Changed $175,000 REALTRACS as Distributed by MLS Grid
• 2026-03-06 Price Changed $188,900 RCAOR
• 2026-03-06 Price Changed $188,900 GCAR
• 2026-03-06 Price Changed $188,900 REALTRACS as Distributed by MLS Grid
• 2026-02-27 Price Changed $190,000 REALTRACS as Distributed by MLS Grid
• 2026-02-27 Price Changed $190,000 RCAOR
• 2026-02-27 Price Changed $190,000 GCAR
• 2026-02-19 Price Changed $195,000 RCAOR
• 2026-02-19 Price Changed $195,000 GCAR
• 2026-02-19 Price Changed $195,000 REALTRACS as Distributed by MLS Grid
• 2026-02-09 Price Changed $200,000 RCAOR
• 2026-02-09 Price Changed $200,000 GCAR
• 2026-02-09 Price Changed $200,000 REALTRACS as Distributed by MLS Grid
• 2026-02-03 Price Changed $205,000 RCAOR
• 2026-02-03 Price Changed $205,000 GCAR
• 2026-02-03 Price Changed $205,000 REALTRACS as Distributed by MLS Grid
• 2026-01-19 Listed $210,000 RCAOR
• 2026-01-19 Listed $210,000 GCAR
• 2026-01-19 Listed $210,000 REALTRACS as Distributed by MLS Grid
• 2018-11-19 Sold (Public Records) $121,250 Public Records
• 2018-11-16 Sold (MLS) $121,250 REALTRACS as Distributed by MLS Grid
• 2018-11-16 Sold (MLS) $121,250 RCAOR
• 2018-11-16 Sold (MLS) $121,250 GCAR
• 2018-09-17 Listed $135,000 RCAOR
• 2006-05-08 Sold (Public Records) $105,900 Public Records
• 1997-09-25 Sold (Public Records) $56,500 Public Records

Property tax history

+4.4%/yr

Latest (2025): $1,487 · +18.2% YoY. Source: county tax records.