914 Fuller Glen Cir · Chattanooga, TN 37421

$300,000

4 bd · 3.0 ba · 1,920 sqft · SingleFamily public records · 3 Days on market

Built 2002 7,500 sqft lot Est $413k · 27% 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 +3.9/5.0
• 1% rule +3.0/10.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks

All offers will be reviewed Monday June 1st at 4:00. Welcome to this inviting 4-bedroom, 3-bath home that perfectly blends comfort, charm, and convenience. A peaceful covered front porch sets the tone, offering the perfect spot to relax and unwind. Inside, you'll find beautiful wood floors and an abundance of natural light that fills the home with warmth. The living room features a cozy fireplace, creating an ideal space for gathering with family and friends. The spacious kitchen is designed with functionality in mind, offering ample counter space and cabinetry to make cooking and entertaining a breeze. Each of the generously sized bedrooms provides comfort and flexibility, making this h

Key facts

• 7,500 sq ft lot
• 2 garage spots
• Built 2002

Property features AI

Exterior

• Parking: Attached garage; 2-car garage; Basement access to garage
• Security: Security system; Smoke detector(s)
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; Multi/split and two-level; Facing not specified
• Construction: Vinyl siding; Shingle roof; Slab foundation; Built year not specified
• Exterior features: Covered porch; Other exterior features; Gentle sloping lot

Interior

• Kitchen: Refrigerator; Electric range; Dishwasher
• Flooring: Hardwood floors
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Open floorplan; Walk-in closet(s); Full basement

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $65 ($776/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 $239k (20.4% below list).
• Recommended offer: $239k (20.4% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.4% in Chattanooga — 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 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: Westview Elementary (math 66% / reading 63%, grade B, #41 of 952 statewide, top 5%, 610 students, 0% FRL); East Hamilton Middle School (math 52% / reading 43%, grade C-, #24 of 333 statewide, top 7%, 1,007 students, 0% FRL); East Hamilton High School (math 16% / reading 54%, grade F, #39 of 332 statewide, top 12%, 1,265 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 49% at this address vs 31% district-wide (+18 pts) — the actual schools serving this property are materially stronger than the Hamilton County average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents soft (-1.0%/yr); 577 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 16d 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).
• This rent runs 35% of the median local income ($83k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k 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

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $193k; list at $300k implies a 55% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $238,912 (20.4% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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?
5. 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.
6. 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.
7. 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: 0.80% ✗
• Cap rate: 6.55%
• Cash-on-cash: 0.92%
• DSCR: 1.04
• GRM: 10.5

CMA / ARV

• ARV (on-the-fly): $412,800
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8946 Fuller Rd	0.22mi	4/3.0	2,052 (+7%)	3mo	$380,000	$185	76
311 Cyndica Drive Dr	0.28mi	3/2.5 (-1)	2,000 (+4%)	24mo	$436,000	$218	53
8928 Hurricane Ridge Rd	0.74mi	3/2.5 (-1)	2,009 (+5%)	3mo	$519,900	$259	48
707 Stone Crest Cir	0.55mi	3/2.5 (-1)	2,050 (+7%)	10mo	$440,000	$215	48
709 Stone Crest Cir	0.53mi	3/2.5 (-1)	2,100 (+9%)	23mo	$382,000	$182	34

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: -17.9%
• Equity multiple: 0.39×
• Total profit: $-51,615
• Equity at exit: $44,731

10-year hold

• IRR: -16.3%
• Equity multiple: 0.20×
• Total profit: $-67,182
• Equity at exit: $25,939

Cash invested: $84,000 (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 37421

• Rents YoY: -1.0%
• Active inventory: 577
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $2,389 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$125 /mo · $1,494/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$502
• Net cashflow: $65

Break-even live

Break-even rent $2,307

Max offer price $300,000

Occupancy floor 92%

Sensitivity live

Price	-10% $234	-5% $150	+0% $65	+5% $-20	+10% $-105
Rent	-10% $-124	-5% $-30	+0% $65	+5% $159	+10% $253
Rate	-1.0pp $216	-0.5pp $141	base $65	+0.5pp $-13	+1.0pp $-92

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1165 Fuller Glen Cir Chattanooga, TN	4.0	2.5	2229	$2,595	$1.16	15d	1	0.07mi
216 Brently Woods Dr Chattanooga, TN	3.0	3.0	1440	$2,300	$1.60	25d	1	0.22mi
9422 Fuller Rd Chattanooga, TN	3.0	2.0	2500	$2,400	$0.96	15d	1	0.69mi
1130 Maple Tree Ln Chattanooga, TN	3.0	2.0	1408	$1,750	$1.24	15d	1	0.81mi
8506 Igou Gap Rd Chattanooga, TN	3.0	2.0	1250	$1,895	$1.52	25d	1	1.36mi

Listing history 7 events

1. 2026-06-02
   status $300,000 Pending 3 DOM
2. 2026-06-01
   days on market $300,000 Active 3 DOM
3. 2026-05-31
   days on market $300,000 Active 2 DOM
4. 2026-05-11
   historical $300,000
5. 2018-06-01
   soldstatus $193,261
6. 2003-11-12
   soldstatus $164,400
7. 2002-04-25
   soldstatus $150,000

ⓘ 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: $1,494 · $125/mo
• Projected year-2 tax: $2,130 · $178/mo
• Expected delta: +$636/yr (+$53/mo · 42.5%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥104°F today · 19 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% 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: $28,669
• − Mortgage interest: −$16,805
• − Property taxes: −$1,494
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,294
• − Management: −$2,294
• − Depreciation: −$8,727
• Taxable loss: −$4,444
• Est. tax savings @ 24.0%: +$1,067
• After-tax cash flow: $1,842/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

• County: Hamilton County · 312,777 people
• City population: 131,999
• Metro: Chattanooga, TN-GA
• Population (ZIP): 52,985
• Household income: $82,517
• Rent vs Own: 39.8% rent · 60.2% own
• Severe rent burden: 1975.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: White 61% Black 23% Hispanic / Latino 8% Two or more races 6% Asian 5%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Italian 2% Slovak 2% Serbian 2%
• Foreign-born: 9% · Canada, South Korea, Vietnam
• Languages at home: 88% English-only · Spanish 6% Other Indo-European 2% 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: ▼ -316.60%
• Current HPI: 237.6897
• Rent YoY: ▼ -1.04%
• 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

+100.0% since first listed

4 events — show timeline

• 2026-05-11 Coming Soon $300,000 GCAR
• 2018-06-01 Sold (Public Records) $193,261 Public Records
• 2003-11-12 Sold (Public Records) $164,400 Public Records
• 2002-04-25 Sold (Public Records) $150,000 Public Records

Property tax history

+3.7%/yr

Latest (2025): $1,494 · +7.8% YoY. Source: county tax records.