7598 Pfizer Dr · Harrison, TN 37363

$309,900

3 bd · 2.0 ba · 1,427 sqft · SingleFamily public records · 89 Days on market

Built 2007 0.25 ac lot Est $255k · 21% over

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Why this score? — see what drove the F 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 +14.1/30.0
• DSCR +4.3/10.0
• Livability +3.2/5.0
• 1% rule +2.8/10.0
• Schools +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home is tucked into the Thriving Community of Ooltewah. Less than 4-Miles to the Wolftever Creek Boat Ramp, Harrison Bay State Park, and Chickamauga Lake plus minutes to schools and I-75 for an easy commute. Extensively landscaped and well cared for home with a floor plan that optimizes space and privacy throughout. Offering natural gas heating and water heater plus Scenic City's high speed EPB internet that's perfect for anyone working from home or students. Entering the foyer directly into the living room gives lots of natural light, high specialty ceiling and natural gas fireplace to enjoy during the winter. This fully equipped Kitchen offers disposal, all the appliances including the newer stainless steel refrigerator, good cabinet space and pantry with a breakfast area that overlooks the back of the home for easy deck access to enjoy dinner on the grill. The separate dining room was designed to easily access the kitchen for additional eating space. The laundry room and All bedrooms rest on the main level with the owners suite split to one side giving specialty ceiling, dual vanities, separate shower with upgraded tile surrounding the jetted tub plus a walk-in closet. Two additional bedrooms and 2nd newly updated bathroom splits to the other side of the home. The basement is partially finished with space that is thoughtfully planned to use for a home office and family room to watch your favorite team or movies. The space is also plumbed for a half-bathroom. Tons of storage for all your extra items and supplies, including a large workshop and additional storage space privately separated from the attached 2-car garage. Enjoy outdoor living to relax, play, swim, BBQ and entertain on the expansive back deck overlooking the above ground pool with mature trees. There is also a landscaped space under the deck to enjoy the swing and koi pond. This is a must see home you do not want to miss, I just know you will want to call this one home too.

Key facts

• 0.25 acre lot
• 2 garage spots
• Built 2007

Property features AI

Finance

• Financial info: Tax information available
• HOA & community: No community features listed

Exterior

• Parking: Attached garage; 2 garage spaces; Garage faces front; Off-street parking; Basement access to parking
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Sewer connected; Electricity available; Cable available; Phone available; Underground utilities
• Home design: Single-family residence; One story
• Construction: Brick, stone, stucco and vinyl siding exterior; Asphalt roof; Block and slab foundation; Built with mixed materials
• Exterior features: Rain gutters; Deck; Covered porch; Covered patio

Interior

• Kitchen: Dishwasher; Disposal; Gas water heater
• Bedrooms: Master downstairs
• Flooring: Carpet; Linoleum; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (natural gas); Central electric air conditioning
• Interior features: Double vanity; Eat-in kitchen; Entrance foyer; High ceilings; Open floor plan; Pantry; Walk-in closet(s); Master bedroom on main level; Finished partial basement; Basement present; One fireplace with gas log in the living room
• Laundry & utility: Laundry room with washer and dryer hookups (electric and gas dryer hookups)

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $310k.

Deal economics

• At list price, monthly cash flow is $45 ($542/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 $242k (22.0% below list).
• Recommended offer: $242k (22.0% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.3% in Harrison — 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 65/100 on livability (#139 in TN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B+; Watch: amenities F, commute F, health & safety 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: Wallace A. Smith Elementary (math 65% / reading 56%, grade B-, #58 of 952 statewide, top 6%, 617 students, 0% FRL); Hunter Middle School (math 40% / reading 35%, grade F, #54 of 333 statewide, top 16%, 738 students, 0% FRL); Central High School (math 8% / reading 32%, grade F, #183 of 332 statewide, top 59%, 749 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.
• Market conditions: Rents soft (-0.8%/yr); 733 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 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 $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

• It's been on market 89 days — a 6% lower offer ($291k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago 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.

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 $241,823 (22.0% below list)

Questions for the listing agent

1. It's been on market 89 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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?
6. 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.
7. 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.
8. 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: 0.78% ✗
• Cap rate: 6.47%
• Cash-on-cash: 0.62%
• DSCR: 1.03
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $255,433
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6009 Hunter Rd	0.67mi	3/2.5	1,562 (+10%)	16mo	$280,000	$179	38

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: -18.3%
• Equity multiple: 0.37×
• Total profit: $-54,560
• Equity at exit: $46,207

10-year hold

• IRR: -17.0%
• Equity multiple: 0.17×
• Total profit: $-71,734
• Equity at exit: $26,794

Cash invested: $86,772 (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 37363

• Rents YoY: -0.8%
• Active inventory: 733
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $2,418 medium
• Mortgage (P&I): −$1,625
• Tax from tax record: −$111 /mo · $1,331/yr
• Insurance: −$129
• HOA: −$0
• Vacancy / Maint / Mgmt: −$508
• Net cashflow: $45

Break-even live

Break-even rent $2,361

Max offer price $309,900

Occupancy floor 93%

Sensitivity live

Price	-10% $221	-5% $133	+0% $45	+5% $-43	+10% $-130
Rent	-10% $-146	-5% $-50	+0% $45	+5% $141	+10% $236
Rate	-1.0pp $201	-0.5pp $124	base $45	+0.5pp $-35	+1.0pp $-117

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: $77,475
• Closing costs: $9,297
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7475 British Rd Ooltewah, TN	3.0	2.5	1520	$2,295	$1.51	14d	1	0.30mi
7420 Salmon Ln Ooltewah, TN	3.0	2.0	1715	$2,395	$1.40	24d	1	0.37mi

Listing history 21 events

1. 2026-06-14
   days on market $309,900 Active 89 DOM
2. 2026-06-10
   days on market $309,900 Active 86 DOM
3. 2026-06-09
   days on market $309,900 Active 85 DOM
4. 2026-06-08
   days on market $309,900 Active 84 DOM
5. 2026-06-07
   days on market $309,900 Active 83 DOM
6. 2026-06-05
   days on market $309,900 Active 80 DOM
7. 2026-06-03
   days on market $309,900 Active 79 DOM
8. 2026-06-02
   days on market $309,900 Active 78 DOM
9. 2026-06-01
   days on market $309,900 Active 77 DOM
10. 2026-05-31
    days on market $309,900 Active 76 DOM
11. 2026-05-30
    days on market $309,900 Active 75 DOM
12. 2026-04-20
    price $309,900
13. 2026-03-15
    listed $323,750 Active
14. 2024-07-07
    historical $2,500
15. 2024-07-05
    listed $2,500
16. 2023-03-01
    soldstatus $349,900
17. 2023-02-28
    soldstatus $349,900 Closed 1977-char remark

    Show marketing remark (1977 chars)

    This home is tucked into the Thriving Community of Ooltewah. Less than 4-Miles to the Wolftever Creek Boat Ramp, Harrison Bay State Park, and Chickamauga Lake plus minutes to schools and I-75 for an easy commute. Extensively landscaped and well cared for home with a floor plan that optimizes space and privacy throughout. Offering natural gas heating and water heater plus Scenic City's high speed EPB internet that's perfect for anyone working from home or students. Entering the foyer directly into the living room gives lots of natural light, high specialty ceiling and natural gas fireplace to enjoy during the winter. This fully equipped Kitchen offers disposal, all the appliances including the newer stainless steel refrigerator, good cabinet space and pantry with a breakfast area that overlooks the back of the home for easy deck access to enjoy dinner on the grill. The separate dining room was designed to easily access the kitchen for additional eating space. The laundry room and All bedrooms rest on the main level with the owners suite split to one side giving specialty ceiling, dual vanities, separate shower with upgraded tile surrounding the jetted tub plus a walk-in closet. Two additional bedrooms and 2nd newly updated bathroom splits to the other side of the home. The basement is partially finished with space that is thoughtfully planned to use for a home office and family room to watch your favorite team or movies. The space is also plumbed for a half-bathroom. Tons of storage for all your extra items and supplies, including a large workshop and additional storage space privately separated from the attached 2-car garage. Enjoy outdoor living to relax, play, swim, BBQ and entertain on the expansive back deck overlooking the above ground pool with mature trees. There is also a landscaped space under the deck to enjoy the swing and koi pond. This is a must see home you do not want to miss, I just know you will want to call this one home too.

18. 2023-01-24
    historical Contingent 1977-char remark

    Show marketing remark (1977 chars)

    This home is tucked into the Thriving Community of Ooltewah. Less than 4-Miles to the Wolftever Creek Boat Ramp, Harrison Bay State Park, and Chickamauga Lake plus minutes to schools and I-75 for an easy commute. Extensively landscaped and well cared for home with a floor plan that optimizes space and privacy throughout. Offering natural gas heating and water heater plus Scenic City's high speed EPB internet that's perfect for anyone working from home or students. Entering the foyer directly into the living room gives lots of natural light, high specialty ceiling and natural gas fireplace to enjoy during the winter. This fully equipped Kitchen offers disposal, all the appliances including the newer stainless steel refrigerator, good cabinet space and pantry with a breakfast area that overlooks the back of the home for easy deck access to enjoy dinner on the grill. The separate dining room was designed to easily access the kitchen for additional eating space. The laundry room and All bedrooms rest on the main level with the owners suite split to one side giving specialty ceiling, dual vanities, separate shower with upgraded tile surrounding the jetted tub plus a walk-in closet. Two additional bedrooms and 2nd newly updated bathroom splits to the other side of the home. The basement is partially finished with space that is thoughtfully planned to use for a home office and family room to watch your favorite team or movies. The space is also plumbed for a half-bathroom. Tons of storage for all your extra items and supplies, including a large workshop and additional storage space privately separated from the attached 2-car garage. Enjoy outdoor living to relax, play, swim, BBQ and entertain on the expansive back deck overlooking the above ground pool with mature trees. There is also a landscaped space under the deck to enjoy the swing and koi pond. This is a must see home you do not want to miss, I just know you will want to call this one home too.

19. 2023-01-17
    listed $349,900 Active 1977-char remark

    Show marketing remark (1977 chars)

    This home is tucked into the Thriving Community of Ooltewah. Less than 4-Miles to the Wolftever Creek Boat Ramp, Harrison Bay State Park, and Chickamauga Lake plus minutes to schools and I-75 for an easy commute. Extensively landscaped and well cared for home with a floor plan that optimizes space and privacy throughout. Offering natural gas heating and water heater plus Scenic City's high speed EPB internet that's perfect for anyone working from home or students. Entering the foyer directly into the living room gives lots of natural light, high specialty ceiling and natural gas fireplace to enjoy during the winter. This fully equipped Kitchen offers disposal, all the appliances including the newer stainless steel refrigerator, good cabinet space and pantry with a breakfast area that overlooks the back of the home for easy deck access to enjoy dinner on the grill. The separate dining room was designed to easily access the kitchen for additional eating space. The laundry room and All bedrooms rest on the main level with the owners suite split to one side giving specialty ceiling, dual vanities, separate shower with upgraded tile surrounding the jetted tub plus a walk-in closet. Two additional bedrooms and 2nd newly updated bathroom splits to the other side of the home. The basement is partially finished with space that is thoughtfully planned to use for a home office and family room to watch your favorite team or movies. The space is also plumbed for a half-bathroom. Tons of storage for all your extra items and supplies, including a large workshop and additional storage space privately separated from the attached 2-car garage. Enjoy outdoor living to relax, play, swim, BBQ and entertain on the expansive back deck overlooking the above ground pool with mature trees. There is also a landscaped space under the deck to enjoy the swing and koi pond. This is a must see home you do not want to miss, I just know you will want to call this one home too.

20. 2007-11-13
    soldstatus $173,000
21. 2007-04-20
    soldstatus $192,000

ⓘ 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: $1,331 · $111/mo
• Projected year-2 tax: $2,200 · $183/mo
• Expected delta: +$869/yr (+$72/mo · 65.3%)

ⓘ 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 3/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,019
• − Mortgage interest: −$17,359
• − Property taxes: −$1,331
• − Insurance: −$1,550
• − Repairs & maintenance: −$2,322
• − Management: −$2,322
• − Depreciation: −$9,015
• Taxable loss: −$4,880
• Est. tax savings @ 24.0%: +$1,171
• After-tax cash flow: $1,713/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 — Harrison

• Score: 65/100
• State rank: #139
• US rank: #12687

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Hamilton County · 312,777 people
• Metro: Chattanooga, TN-GA
• Population (ZIP): 42,093
• Household income: $97,399
• Rent vs Own: 24.8% rent · 75.2% own
• Severe rent burden: 884.0

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 (79%)
• Race & ethnicity: White 79% Black 9% Hispanic / Latino 7% Two or more races 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Slovak 4% Italian 2% Romanian 2%
• Foreign-born: 6% · Canada
• Languages at home: 91% English-only · Spanish 5% German/W. Germanic 1% French/Haitian/Cajun 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: ▼ -140.23%
• Current HPI: 247.6005
• Rent YoY: ▼ -0.79%
• 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

+61.4% since first listed

10 events — show timeline

• 2026-04-20 Price Changed $309,900 GCAR
• 2026-03-15 Listed $323,750 GCAR
• 2024-07-07 Rental Removed $2,500 Avail
• 2024-07-05 Listed for Rent $2,500 Avail
• 2023-03-01 Sold (Public Records) $349,900 Public Records
• 2023-02-28 Sold (MLS) $349,900 GCAR
• 2023-01-24 Contingent — GCAR
• 2023-01-17 Listed $349,900 GCAR
• 2007-11-13 Sold (Public Records) $173,000 Public Records
• 2007-04-20 Sold (Public Records) $192,000 Public Records

Property tax history

+1.6%/yr

Latest (2025): $1,331 · -0.3% YoY. Source: county tax records.