Duplex
3117 Navajo Dr · Chattanooga, TN
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $949 – $1,763
Heat risk 5/10 · Moderate
- Hot days now (above 105°F)
- 6 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 4/10 · Minor
- Chance of severe wind over 30 yrs
- 12.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B 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).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- DSCR +10.0/10.0
- 1% rule +8.0/10.0
- Livability +3.9/5.0
- Rent growth +2.7/5.0
- Schools +2.7/10.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$175,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed
Listing remarks MLS
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
Key facts
- 9,730 sq ft lot
- Built 1976
- Listed 24 days
Property features AI
Exterior
- Parking: Driveway; Off-street paved parking
- Utilities: Public water; Public sewer; Electricity connected; Natural gas available; Sewer connected; Water connected
- Home design: Duplex residential income property; Two stories; Fixer condition
- Construction: Wood siding; Shingle roof; Slab foundation; Built as a duplex
- Exterior features: Balcony; Sloped lot; Asphalt road frontage on a city street; Publicly maintained road
Interior
- Kitchen: Refrigerator; Electric range; Dishwasher; Electric water heater
- Bedrooms: Unfurnished units
- Flooring: Carpet; Tile; Wood
- Bathrooms: 2 full bathrooms
- Heating & cooling: Electric heating; Other heating; Electric cooling via wall units
- Interior features: Beamed ceilings; Eat-in kitchen; Aluminum-framed windows
- Laundry & utility: Laundry located in kitchen on main level
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 1-bed/1.0-bath units multifamily listed at $175k.
Deal economics
- At list price, monthly cash flow is $665 ($8k/yr) — positive. Per door: $333/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $175k).
- Recommended offer: $172k (1.5% below list) — sets the bar for market timing.
- Cap rate 10.9% 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: East Ridge Elementary (math 22% / reading 18%, grade F, #644 of 952 statewide, top 68%, 996 students, 0% FRL); Dalewood Middle School (math 7% / reading 7%, grade F, #278 of 333 statewide, top 85%, 258 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 11% at this address vs 31% district-wide (-20 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 flat; 127 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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.
- At projected returns (-3.0% appreciation + 0.7% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.
Negotiation context
- It's been on market 24 days — a 2% lower offer ($172k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
- Current owner paid $35k; list at $175k implies a 400% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: extreme-heat days projected 6→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.30% ✓
- Cap rate
- 10.86%
- Cash-on-cash
- 16.30%
- DSCR
- 1.73
- GRM
- 6.4
CMA / ARV
- ARV (on-the-fly)
- $270,000
- Comps found
- 3
Show comp detail 3 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3223 Castle Ave | 0.36mi | 4/4.0 | 2,048 (+14%) | 3mo | $315,000 | $154 | 58 |
| 3708 Monte Vista Dr | 0.68mi | 4/4.0 | 1,890 (+5%) | 10mo | $239,000 | $126 | 51 |
| 2504 Union Ave | 0.73mi | 3/2.0 | 1,986 (+10%) | 10mo | $297,000 | $150 | 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 · 0.73% rent growth · sell at horizon
- IRR
- 4.8%
- Equity multiple
- 1.18×
- Total profit
- $8,917
- Equity at exit
- $26,093
- IRR
- 12.2%
- Equity multiple
- 1.86×
- Total profit
- $42,314
- 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
ZIP-level market 37411
- Rents YoY
- 0.7%
- Active inventory
- 127
- Price-to-rent
- 12.8×
Monthly cashflow live
- Estimated rent
- $2,282 high interval (Pro) →
- Mortgage (P&I)
- −$918
- Tax from tax record
- −$147 /mo · $1,761/yr
- Insurance
- −$73
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$479
- Net cashflow
- $665
Break-even live
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 1 | 1 | $2,282 |
| #1 | 1 | 1 | $1,141 |
| #2 | 1 | 1 | $1,141 |
| Total (2 units) | $2,282 | ||
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
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 24 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 3109 Ellis Ave Chattanooga, TN | 2.0 | 2.0 | 1340 | $1,450 | $1.08 | 23d | 1 | 0.25mi |
| 408 Broughton St Unit NA Chattanooga, TN | 3.0 | 1.0 | 1250 | $1,750 | $1.40 | 23d | 1 | 0.50mi |
| 3617 Monte Vista Dr Chattanooga, TN | 3.0 | 2.0 | 1628 | $1,823 | $1.12 | 13d | 1 | 0.65mi |
| 210 Buena Vista Dr Unit 4 Chattanooga, TN | 2.0 | 1.5 | 1500 | $1,495 | $1.00 | 23d | 1 | 0.68mi |
| 2425 Chamberlain Ave Chattanooga, TN | 3.0 | 2.0 | 1422 | $1,795 | $1.26 | 23d | 1 | 0.84mi |
| 1809 Cotton Way Chattanooga, TN | 2.0 | 2.5 | 1412 | $2,295 | $1.63 | 23d | 1 | 0.85mi |
| 2420 Vine St Chattanooga, TN | 3.0 | 1.0 | 1260 | $1,800 | $1.43 | 23d | 1 | 0.92mi |
| 2380 E 18th Street Pl Chattanooga, TN | 3.0 | 2.5 | 1950 | $1,895 | $0.97 | 21d | 1 | 0.95mi |
| 409 Booth Rd Chattanooga, TN | 3.0 | 2.0 | 1530 | $1,695 | $1.11 | 23d | 1 | 0.96mi |
| 2347 E 18th St Chattanooga, TN | 2.0 | 2.5 | 1340 | $1,695 | $1.26 | 23d | 1 | 0.96mi |
| 2341 E 18th St Chattanooga, TN | 2.0 | 2.5 | 1316 | $1,725 | $1.31 | 23d | 1 | 0.96mi |
| 2360 E 18th St Chattanooga, TN | 3.0 | 2.5 | 1544 | $2,095 | $1.36 | 23d | 1 | 0.97mi |
| 310 Gillespie Rd Chattanooga, TN | 2.0 | 1.0 | 1225 | $1,650 | $1.35 | 23d | 1 | 0.98mi |
| 2328 E 18th Street Pl Chattanooga, TN | 3.0 | 2.5 | 1950 | $1,995 | $1.02 | 21d | 1 | 0.98mi |
| 2328 E 18th St Chattanooga, TN | 3.0 | 2.5 | 1616 | $2,095 | $1.30 | 23d | 1 | 0.98mi |
| 2322 E 18th Street Pl Chattanooga, TN | 2.0 | 2.5 | 1340 | $1,595 | $1.19 | 21d | 1 | 0.98mi |
| 2335 E 19th St Chattanooga, TN | 3.0 | 2.5 | 1616 | $1,995 | $1.23 | 23d | 1 | 1.01mi |
| 2303 E 19th St Chattanooga, TN | 3.0 | 2.5 | 1544 | $1,995 | $1.29 | 21d | 1 | 1.02mi |
| 3725 Fountain Ave Chattanooga, TN | 2.0–3.0 | 1.0–2.0 | 1110 | $1,175 | $1.06 | 13d | 4 | 1.08mi |
| 2106 Duncan Ave Unit 102 Chattanooga, TN | 3.0 | 2.5 | 1600 | $2,295 | $1.43 | 23d | 1 | 1.12mi |
| 1072 Amelia Ct Chattanooga, TN | 3.0 | 3.5 | 1500 | $1,950 | $1.30 | 23d | 1 | 1.18mi |
| 1814 Duncan Ave Chattanooga, TN | 3.0 | 2.0 | 2056 | $2,500 | $1.22 | 21d | 1 | 1.34mi |
| 1906 Vine St Chattanooga, TN | 3.0 | 2.5 | 1881 | $2,200 | $1.17 | 23d | 1 | 1.35mi |
| 1705 Bailey Ave Chattanooga, TN | 3.0 | 2.0 | 1632 | $1,850 | $1.13 | 23d | 1 | 1.43mi |
Listing history 19 events
-
2026-06-16$175,000 Pending 24 DOM
-
2026-05-15status Pending 750-char remark
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-05-15status Pending
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-05-12status Active 750-char remark
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-05-12status Active
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-03-10status Pending 750-char remark
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-03-10status Pending
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-03-02status Active 750-char remark
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-03-02status Active
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-02-10status Pending 750-char remark
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-02-10status Pending
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-01-29$175,000 Active 750-char remark
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2026-01-29$175,000 Active
Show marketing remark (750 chars)
* * * BACK ON MARKET DUE TO BUYERS BEING UNABLE TO SATISFY THEIR CONTINGENCY TO SELL A HOME * * * Great Investment opportunity to Unlock the Potential of this Property. This vacant duplex is a value-add opportunity waiting for the right vision. With solid bones and both units currently unoccupied the property is ready for improvements that can unlock strong rental potential. Each unit has One Bed, One Bath and Laundry hookups. So, whether you're looking to update and hold or reposition for improved cash flow, this duplex offers the chance a welcoming income-producing home for future tenants. Bring your contractor and your creativity. Opportunity Lives Here! This property is being Sold As-Is. Please call today for your private showing.
-
2023-08-30soldstatus $35,000
-
2008-06-19soldstatus $20,000
-
1991-08-21soldstatus $34,537
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1988-07-15soldstatus $38,769
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1986-09-19soldstatus $37,605
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1985-10-31soldstatus $37,150
ⓘ 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
- $1,761 · $147/mo
- Projected year-2 tax
- $1,761 · $147/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 5/10 Major 6 d/yr ≥105°F today · 15 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $27,384
- − Mortgage interest
- −$9,803
- − Property taxes
- −$1,761
- − Insurance
- −$875
- − Repairs & maintenance
- −$2,191
- − Management
- −$2,191
- − Depreciation
- −$5,091
- Taxable income
- $5,473
- Est. tax owed @ 24.0%
- −$1,314
- After-tax cash flow
- $6,672/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
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)
- 18,997
- Household income
- $56,579
- Rent vs Own
- Severe rent burden
- 685.0
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 0.63)
- Race & ethnicity
- Black 48% White 37% Hispanic / Latino 8% Two or more races 7%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 2%
- Common ancestry
- Italian 2% Slovak 2% Romanian 1%
- Foreign-born
- 4% · Canada, Vietnam
- Languages at home
- 92% English-only · Spanish 6% Arabic 0%
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
- ▼ -190.85%
- Current HPI
- 240.2557
- Rent YoY
- ▲ 0.73%
- 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 |
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| Retail | 3 | $72B |
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| Transportation / Logistics | 1 | $88B |
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| Paper / Packaging | 1 | $19B |
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| Insurance | 1 | $13B |
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| Energy | 1 | $12B |
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Price history
+371.1% since first listed18 events — show timeline
- 2026-05-15 Pending — RCAOR
- 2026-05-15 Pending — GCAR
- 2026-05-12 Relisted — RCAOR
- 2026-05-12 Relisted — GCAR
- 2026-03-10 Pending — RCAOR
- 2026-03-10 Pending — GCAR
- 2026-03-02 Relisted — RCAOR
- 2026-03-02 Relisted — GCAR
- 2026-02-10 Pending — RCAOR
- 2026-02-10 Pending — GCAR
- 2026-01-29 Listed $175,000 GCAR
- 2026-01-29 Listed $175,000 RCAOR
- 2023-08-30 Sold (Public Records) $35,000 Public Records
- 2008-06-19 Sold (Public Records) $20,000 Public Records
- 1991-08-21 Sold (Public Records) $34,537 Public Records
- 1988-07-15 Sold (Public Records) $38,769 Public Records
- 1986-09-19 Sold (Public Records) $37,605 Public Records
- 1985-10-31 Sold (Public Records) $37,150 Public Records
Property tax history
+6.0%/yrLatest (2025): $1,761 · +95.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…