1213 N Chamberlain Ave · Chattanooga, TN 37408

$265,000

3 bd · 2.0 ba · 1,152 sqft · SingleFamily public records · 147 Days on market

Built 2022 0.25 ac lot

---

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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.6/30.0
• Livability +3.9/5.0
• Rent growth +3.2/5.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• DSCR +0.8/10.0
• 1% rule +0.4/10.0

Listing remarks MLS

AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

Key facts

• Open floorplan
• Turn key condition
• No hoa

Tags

• TURN KEY CONDITION
• OPEN FLOORPLAN
• THOUGHTFULLY DESIGNED KITCHEN
• COVERED OUTDOOR SPACES
• NO HOA
• NO SUBDIVISION RESTRICTIONS

Property features AI

Exterior

• Parking: Detached paved parking
• Utilities: Public water; Public sewer; Electricity available
• Home design: Single family residence; Residential property; Three or more levels
• Construction: Block foundation; Other construction materials; Other roof
• Exterior features: Deck; Covered porch; Patio; Lot approximately 0.25 acres (50 x 180)

Interior

• Kitchen: Refrigerator; Microwave; Electric range; Dishwasher; Garbage disposal
• Bedrooms: 3 bedrooms
• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Electric cooling
• Interior features: Open floorplan
• Laundry & utility: Washer hookup; Electric dryer hookup; Washer and dryer included

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-438 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $188k (29.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $143k (45.9% below list).
• Recommended offer: $143k (45.9% below list) — sets the bar for 1% rule.
• Cap rate 4.3% vs local median 3.4% in Chattanooga — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 78/100 on livability (#3 in TN, #2,582 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, crime 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: Orchard Knob Elementary (math 12% / reading 2%, grade F, #863 of 952 statewide, top 92%, 477 students, 0% FRL); Brainerd High School (math 2% / reading 12%, grade F, #294 of 332 statewide, top 91%, 635 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 7% at this address vs 31% district-wide (-24 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 rising (+2.8%/yr); 106 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 2,133 units permitted in Hamilton County in 2024 (405 in 5+ unit buildings).

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (10.0% local appreciation)).
• Hamilton County population projected at +23% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$46k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 147 days — a 12% lower offer ($233k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $35k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $143,398 (45.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 147 days. Have you received any prior offers? Is the seller open to a 46% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is F 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.54% ✗
• Cap rate: 4.31%
• Cash-on-cash: -7.09%
• DSCR: 0.68
• GRM: 15.4

CMA / ARV

• ARV (on-the-fly): $161,280
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1108 Wheeler Ave	0.13mi	3/1.0	1,146 (-0%)	8mo	$152,000	$133	83
2000 Cooley St	0.42mi	3/2.0	1,200 (+4%)	1mo	$230,000	$192	72
2513 Olive St	0.50mi	3/1.0	1,118 (-3%)	4mo	$145,000	$130	65
2007 Wilson St	0.40mi	3/2.0	1,068 (-7%)	6mo	$150,000	$140	64
1802 Wheeler Ave	0.49mi	3/1.0	1,092 (-5%)	2mo	$83,000	$76	62
2011 Robbins St	0.52mi	3/1.5	1,120 (-3%)	9mo	$196,000	$175	62
604 Dodson Ave	0.62mi	3/1.0	1,240 (+8%)	6mo	$149,000	$120	49
1411 N Chamberlain Ave	0.19mi	2/1.0 (-1)	1,000 (-13%)	14mo	$230,000	$230	49
1504 N Orchard Knob Ave	0.54mi	2/1.0 (-1)	1,092 (-5%)	14mo	$214,000	$196	46
1806 Ocoee St	0.66mi	3/2.0	1,280 (+11%)	9mo	$268,000	$209	43
1812 Newton St	0.60mi	4/1.5 (+1)	1,296 (+12%)	4mo	$70,000	$54	41
1815 Carson Ave	0.62mi	3/1.0	1,042 (-10%)	13mo	$46,500	$45	40

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

Projected returns pro-forma

10.0% appreciation · 2.84% rent growth · sell at horizon

5-year hold

• IRR: 19.2%
• Equity multiple: 2.56×
• Total profit: $116,051
• Equity at exit: $238,733

10-year hold

• IRR: 17.7%
• Equity multiple: 5.89×
• Total profit: $362,956
• Equity at exit: $514,837

Cash invested: $74,200 (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 37408

• Home prices YoY: 10.0%
• Rents YoY: 2.8%
• Active inventory: 106
• Price-to-rent: 15.4×

Monthly cashflow live

• Estimated rent: $1,434 high
• Mortgage (P&I): −$1,390
• Tax from tax record: −$71 /mo · $851/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$301
• Net cashflow: $-438

Break-even live

Break-even rent $1,989

Max offer price $187,599

Occupancy floor —

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1237 Wheeler Ave Unit B Chattanooga, TN	2.0	1.0	845	$1,125	$1.33	23d	1	0.08mi
1601 Arlington Ave Chattanooga, TN	3.0	1.0	1416	$1,650	$1.17	14d	1	0.33mi
1706 Wheeler Ave Chattanooga, TN	3.0	1.0	1317	$1,625	$1.23	23d	1	0.41mi
1310 Roanoke Ave Chattanooga, TN	2.0	1.0	792	$1,350	$1.70	23d	1	0.44mi
1707 Arlington Ave Unit B Chattanooga, TN	2.0	1.0	760	$1,000	$1.32	23d	1	0.44mi
2105 Rawlings St Chattanooga, TN	3.0	1.0	1064	$1,300	$1.22	14d	1	0.44mi
1409 Bradt St Chattanooga, TN	3.0	1.0	960	$1,275	$1.33	23d	1	0.44mi
2011 Milne St Unit b Chattanooga, TN	3.0	1.0	976	$1,345	$1.38	14d	1	0.46mi
2305 Citico Ave Unit A Chattanooga, TN	2.0	1.0	748	$1,095	$1.46	14d	1	0.46mi
2709 Citico Ave Chattanooga, TN	2.0–3.0	1.0	1038	$1,400	$1.35	23d	1	0.46mi
2113 Ocoee St Unit 2113 Chattanooga, TN	2.0	1.0	780	$950	$1.22	23d	1	0.50mi
2009 Camden St Chattanooga, TN	3.0	1.5	1148	$1,450	$1.26	23d	1	0.50mi
1301 N Orchard Knob Ave Chattanooga, TN	2.0	1.0	864	$1,095	$1.27	23d	1	0.52mi
1714 Portland St Unit C Chattanooga, TN	2.0	1.0	700	$1,125	$1.61	23d	1	0.69mi
1800 Carson Ave Chattanooga, TN	2.0	1.0	700	$950	$1.36	14d	1	0.69mi
1001 N Hickory St Unit 2 Chattanooga, TN	2.0	1.0	776	$875	$1.13	23d	1	0.72mi
1228 Sholar Ave Chattanooga, TN	2.0	1.0	799	$1,199	$1.50	23d	1	0.73mi
1226 Sholar Ave Chattanooga, TN	2.0	1.0	799	$1,099	$1.38	14d	1	0.73mi
1754 Ocoee St Chattanooga, TN	3.0	1.5	1050	$1,250	$1.19	14d	1	0.74mi
2001 Garfield St Chattanooga, TN	4.0	2.0	1413	$1,700	$1.20	23d	1	0.86mi
2004 Garfield St Unit 102 Chattanooga, TN	2.0	1.0	700	$1,400	$2.00	23d	1	0.87mi
521 N Hawthorne St Unit A Chattanooga, TN	2.0	1.0	725	$850	$1.17	23d	1	0.95mi
1203 Rockway Dr Unit 2 Chattanooga, TN	2.0	1.0	940	$1,250	$1.33	14d	1	0.98mi
709 N Holly St Chattanooga, TN	3.0	2.0	1092	$1,850	$1.69	14d	1	0.99mi
2400 Crutchfield St Chattanooga, TN	3.0	1.0	984	$1,200	$1.22	21d	1	1.03mi
1296 Preston St Chattanooga, TN	2.0	1.0	850	$950	$1.12	23d	1	1.09mi
2420 Vine St Chattanooga, TN	3.0	1.0	1260	$1,800	$1.43	23d	1	1.10mi
2305 Glass St Chattanooga, TN	2.0	1.0	738	$1,050	$1.42	23d	1	1.11mi
2111 Oak St Chattanooga, TN	2.0	2.0	1100	$1,595	$1.45	14d	1	1.17mi
1205 Tunnel Blvd Chattanooga, TN	3.0	1.0	1044	$1,350	$1.29	23d	1	1.18mi
226 N Hickory St Chattanooga, TN	3.0	2.0	1350	$1,895	$1.40	21d	1	1.19mi
210 Buena Vista Dr Unit 4 Chattanooga, TN	2.0	1.5	1500	$1,495	$1.00	23d	1	1.24mi
2009 McCallie Ave Chattanooga, TN	2.0	2.0	1000	$1,430	$1.43	14d	1	1.24mi
3301 Pinewood Ave Chattanooga, TN	2.0	1.0	900	$1,094	$1.22	23d	3	1.28mi
2405 Harley St Chattanooga, TN	2.0	1.0	700	$1,199	$1.71	14d	1	1.29mi
2425 Chamberlain Ave Chattanooga, TN	3.0	2.0	1422	$1,795	$1.26	23d	1	1.32mi
2603 Dodson Ave Chattanooga, TN	4.0	1.0	1104	$1,250	$1.13	21d	1	1.32mi
111 N Seminole Dr Chattanooga, TN	4.0	2.0	1500	$2,200	$1.47	23d	1	1.37mi
822 Gillespie Rd Chattanooga, TN	2.0	1.0	1000	$1,550	$1.55	14d	1	1.39mi
925 Shallowford Rd Chattanooga, TN	1.0–2.0	1.0	720	$950	$1.32	23d	3	1.41mi

Listing history 26 events

1. 2026-06-18
   days on market $265,000 Active 147 DOM
2. 2026-06-17
   days on market $265,000 Active 146 DOM
3. 2026-06-16
   days on market $265,000 Active 145 DOM
4. 2026-06-15
   days on market $265,000 Active 144 DOM
5. 2026-06-14
   days on market $265,000 Active 142 DOM
6. 2026-06-10
   days on market $265,000 Active 139 DOM
7. 2026-06-09
   days on market $265,000 Active 138 DOM
8. 2026-06-08
   days on market $265,000 Active 137 DOM
9. 2026-06-07
   days on market $265,000 Active 136 DOM
10. 2026-06-05
    days on market $265,000 Active 133 DOM
11. 2026-06-03
    days on market $265,000 Active 132 DOM
12. 2026-06-02
    days on market $265,000 Active 131 DOM
13. 2026-06-01
    days on market $265,000 Active 130 DOM
14. 2026-05-31
    days on market $265,000 Active 129 DOM
15. 2026-05-30
    days on market $265,000 Active 128 DOM
16. 2026-05-21
    price $265,000

    Show marketing remark (1839 chars)

    AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

17. 2026-05-21
    price $265,000 1839-char remark

    Show marketing remark (1839 chars)

    AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

18. 2026-02-19
    price $285,000 1839-char remark

    Show marketing remark (1839 chars)

    AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

19. 2026-02-19
    price $285,000

    Show marketing remark (1839 chars)

    AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

20. 2026-02-13
    historical $1,725
21. 2026-01-22
    listed $300,000 Active

    Show marketing remark (1839 chars)

    AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

22. 2026-01-22
    listed $300,000 Active 1839-char remark

    Show marketing remark (1839 chars)

    AVAILABLE FOR LEASE OR PURCHASE - Built in 2022 and offered in true turn key condition, this single family home at 1213 N Chamberlain delivers modern simplicity and low maintenance living in a highly accessible Chattanooga location. With 3 bedrooms and 2 full bathrooms across 1,152 square feet, the layout is efficient, functional, and designed for today's lifestyle. The interior features an open floorplan with the primary bedroom separated from the rest, making the home comfortable for a wide range of buyers. Clean finishes, electric heating and cooling, and a thoughtfully designed kitchen with electric range, dishwasher, and disposal allow for immediate move in without projects or upgrades. Built on a solid block foundation and still covered by a builder's warranty, this home offers peace of mind that is increasingly hard to find. Situated on a 0.25 acre lot, the property includes covered outdoor spaces with a deck and patio, creating room to relax or entertain without excessive upkeep. With no HOA and no subdivision restrictions, ownership remains simple and flexible. Location is a major strength of this home. Approximately ten minutes from downtown Chattanooga and just around the corner from Erlanger Memorial Hospital, it is especially appealing for medical professionals, downtown commuters, and buyers who want proximity to major employers without downtown pricing. For outdoor enthusiasts, Tennessee Riverpark is nearby, offering scenic trails and waterfront views ideal for weekend escapes. Families will value the close proximity to Orchard Knob Elementary School, Orchard Knob Middle School, and Brainerd High School, making daily routines more convenient. With easy access to major highways via Shallowford Road, commutes are simple and efficient, reinforcing this home's versatility and long term appeal.

23. 2026-01-10
    price $1,725
24. 2025-12-12
    price $1,795
25. 2025-11-27
    price $1,995
26. 2025-11-20
    listed $2,095

ⓘ 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: $851 · $71/mo
• Projected year-2 tax: $1,882 · $157/mo
• Expected delta: +$1,031/yr (+$86/mo · 121.2%)

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

Taxation est. · year 1

• Rental income: $17,208
• − Mortgage interest: −$14,844
• − Property taxes: −$851
• − Insurance: −$1,325
• − Repairs & maintenance: −$1,377
• − Management: −$1,377
• − Depreciation: −$7,709
• Taxable loss: −$10,274
• Est. tax savings @ 24.0%: +$2,466
• After-tax cash flow: $-2,792/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 — Chattanooga

• Score: 78/100
• State rank: #3
• US rank: #2582

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Chattanooga, TN
• County: Hamilton County · 312,777 people
• City population: 131,999
• Metro: Chattanooga, TN-GA
• Population (ZIP): 3,502
• Household income: $81,250
• Rent vs Own: 71.3% rent · 28.7% own
• Severe rent burden: 220.0

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: Majority White (63%)
• Race & ethnicity: White 63% Black 28% Hispanic / Latino 6% Two or more races 5% Asian 2%
• Hispanic origin (detail): Mexican 2%
• Common ancestry: Ukrainian 8% Romanian 4% Slovak 3%
• Foreign-born: 8% · Canada
• Languages at home: 91% English-only · Spanish 3% Other Indo-European 1% Other Asian/Pacific 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: ▲ 29.73%
• Current HPI: 326.5006
• Rent YoY: ▲ 2.84%
• 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

+12549.2% since first listed

11 events — show timeline

• 2026-05-21 Price Changed $265,000 REALTRACS as Distributed by MLS Grid
• 2026-05-21 Price Changed $265,000 GCAR
• 2026-02-19 Price Changed $285,000 GCAR
• 2026-02-19 Price Changed $285,000 REALTRACS as Distributed by MLS Grid
• 2026-02-13 Rental Removed $1,725 TENANTTURNER2
• 2026-01-22 Listed $300,000 REALTRACS as Distributed by MLS Grid
• 2026-01-22 Listed $300,000 GCAR
• 2026-01-10 Price Changed $1,725 TENANTTURNER2
• 2025-12-12 Price Changed $1,795 TENANTTURNER2
• 2025-11-27 Price Changed $1,995 TENANTTURNER2
• 2025-11-20 Listed for Rent $2,095 TENANTTURNER2

Property tax history

+172.7%/yr

Latest (2025): $851 · +0.6% YoY. Source: county tax records.