900 Mountain Creek Rd Unit K 144 · Chattanooga, TN 37405

$130,000

2 bd · 1.5 ba · 950 sqft · Condo · 86 Days on market

Built 1975 Good condition $137/sqft · 7% below area Est $140k · 7% under $245/mo HOA · 19% of rent ↓ 13% since listing

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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 +10.7/15.0
• Cash flow +9.1/30.0
• 1% rule +5.2/10.0
• Condition / age +4.0/5.0
• Rent growth +3.9/5.0
• Livability +3.9/5.0
• DSCR +2.5/10.0
• Schools +2.2/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

*Back on the Market due to no fault of the seller* *Brand new HVAC as of 4/24/2026* Beautifully Updated 2BR/1.5BA CORNER UNIT Townhome-Style Condo. Move-in ready and full of very well done updates, this two-story condo corner unit in Building K offers comfort, style, and unbeatable convenience being minutes to UTC and Downtown Chattanooga. Recent improvements include new wood-look vinyl flooring and carpeting, modern bathroom fixtures and vanities, fresh paint throughout, updated light fixtures, new kitchen countertops, new stainless appliances, and refreshed cabinetry with updated hardware. The second-floor entry leads into a spacious, open-concept living and dining area, perfect for entertaining, just off the kitchen. A convenient half bath is also located on the main level. Upstairs features two generously sized bedrooms, a full bath and great closet space. Prime Location...just minutes to Downtown Chattanooga and the University of Tennessee at Chattanooga (UTC), ideal for students, professionals, or anyone seeking easy access to the city's best amenities. You're also only 3 minutes from Erlanger North and close to North Shore's vibrant dining, shopping, and outdoor attractions. Additionally, this condo is located near the foot of Signal Mountain, providing quick access to hiking trails, mountain biking, and countless outdoor adventures. Don't miss out...schedule your showing today!

Key facts

• New hvac
• New water heater
• Corner unit

Tags

• CORNER UNIT
• NEW HVAC
• NEW WATER HEATER
• NEW WOOD-LOOK VINYL FLOORING
• MODERN BATHROOM FIXTURES
• UPDATED LIGHT FIXTURES

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $130k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-526 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $54k (58.6% below list).
• Meets the 1% rule at list price ($1k rent vs $130k).
• Recommended offer: $54k (58.6% below list) — sets the bar for cash-flow.
• Cap rate 5.4% vs local median 3.5% 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: Red Bank Elementary (math 33% / reading 29%, grade F, #400 of 952 statewide, top 43%, 588 students, 0% FRL); Red Bank Middle School (math 14% / reading 13%, grade F, #236 of 333 statewide, top 71%, 535 students, 0% FRL); Red Bank High School (math 8% / reading 37%, grade F, #156 of 332 statewide, top 49%, 824 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 rising fast (+5.6%/yr); 423 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $899 of loan paydown is wiped out by about $4k 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 86 days — a 6% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 2 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); extreme-heat days projected 9→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $53,877 (58.6% 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 86 days. Have you received any prior offers? Is the seller open to a 59% concession, seller financing, or rate buy-down credit?
3. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
6. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
7. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
8. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
9. 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?
10. 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?
11. 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?
12. 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.
13. 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.
14. 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: 1.02% ✓
• Cap rate: 5.37%
• Cash-on-cash: -3.28%
• DSCR: 0.85
• GRM: 8.2

CMA / ARV

• ARV (median comp): $140,046
• List price: $130,000
• Delta: -7.17%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
900 Mountain Creek Rd Unit E-71	0.08mi	2/1.5	950 (0%)	2mo	$125,000	$132	95
900 Mountain Creek Rd #063	0.03mi	2/2.0	950 (0%)	3mo	$130,000	$137	94
900 Mountain Creek Rd #067	0.13mi	2/1.5	950 (0%)	2mo	$65,000	$68	92
900 Mountain Creek Rd Unit P234	0.00mi	2/2.0	1,036 (+9%)	3mo	$139,000	$134	81
900 Mountain Creek Rd #332	0.03mi	2/2.0	1,036 (+9%)	2mo	$82,500	$80	80
900 Mountain Creek Rd Unit P236	0.03mi	2/2.0	1,036 (+9%)	3mo	$135,000	$130	79
113 Southview St	0.44mi	3/2.0 (+1)	926 (-2%)	1mo	$285,000	$308	68
114 Peace St	1.08mi	2/1.0	952 (+0%)	2mo	$250,000	$263	61
187 Sims Dr	0.80mi	1/1.0 (-1)	960 (+1%)	1mo	$235,000	$245	55
131 Signal Hills Dr	0.53mi	3/2.0 (+1)	1,032 (+9%)	3mo	$210,000	$203	52
145 Signal Hills Dr	0.58mi	2/1.0	800 (-16%)	1mo	$182,000	$228	45
142 Alden Ave	1.31mi	2/1.0	1,113 (+17%)	2mo	$279,900	$251	37

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 · 5.64% rent growth · sell at horizon

5-year hold

• IRR: -43.4%
• Equity multiple: -0.39×
• Total profit: $-50,536
• Equity at exit: $19,383

10-year hold

• IRR: -38.7%
• Equity multiple: -0.92×
• Total profit: $-69,787
• Equity at exit: $11,240

Cash invested: $36,400 (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 →

Active competition Active MLS

• For sale now: 1 active · 1 under contract
• Median asking: $130,000 ($137/sqft)
• Median days on market: 4 d
• This list price: lowest-priced of the active set
• ARV vs active asking: +7.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 37405

• Rents YoY: 5.6%
• Active inventory: 423
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,321 high
• Mortgage (P&I): −$682
• Tax est. 1.5%: −$162 /mo · $1,950/yr
• Insurance: −$54
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$245
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $-526

Break-even live

Break-even rent $1,987

Max offer price $53,877

Occupancy floor —

Sensitivity live

Price	-10% $-436	-5% $-481	+0% $-526	+5% $-571	+10% $-616
Rent	-10% $-630	-5% $-578	+0% $-526	+5% $-474	+10% $-422
Rate	-1.0pp $-461	-0.5pp $-493	base $-526	+0.5pp $-560	+1.0pp $-594

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: $32,500
• Closing costs: $3,900
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
900 Mountain Creek Rd Unit A3 Chattanooga, TN	2.0	2.0	950	$1,250	$1.32	6d	1	0.03mi
105 Cross St Chattanooga, TN	3.0	1.0	1064	$2,000	$1.88	119d	1	0.33mi
936 Mountain Creek Rd Chattanooga, TN	1.0–3.0	1.0–2.5	1000	$1,488	$1.49	0d	24	0.43mi
505 Mountain Ridge Rd Chattanooga, TN	2.0	1.5	1116	$1,095	$0.98	119d	1	0.65mi
800 Lullwater Rd Unit 816 Chattanooga, TN	2.0	1.0	650	$925	$1.42	6d	1	0.71mi
143 Hendricks Blvd Chattanooga, TN	1.0–2.0	1.0	1100	$1,300	$1.18	0d	4	0.75mi
145 Hendricks Blvd Unit 145-8 Chattanooga, TN	1.0	1.0	1000	$850	$0.85	6d	1	0.75mi
141 Hendricks Blvd Unit 141-6 Chattanooga, TN	1.0	1.0	1000	$899	$0.90	119d	1	0.76mi
141 Hendricks Blvd Apt 3 Chattanooga, TN	1.0	1.0	1000	$1,049	$1.05	109d	1	0.76mi
514 Lullwater Rd Chattanooga, TN	3.0	1.0	985	$1,395	$1.42	0d	1	0.81mi
424 Hedgewood Dr Chattanooga, TN	3.0	1.0	1101	$1,690	$1.53	6d	1	0.90mi
313 California Ave Unit A Chattanooga, TN	1.0	1.0	750	$1,000	$1.33	6d	1	0.92mi
219 Vreeland St Chattanooga, TN	2.0	2.0	1092	$1,900	$1.74	6d	1	1.00mi
217 Sweetland Dr Chattanooga, TN	2.0	1.0	844	$950	$1.13	119d	1	1.01mi
217 Sweetland Dr Chattanooga, TN	2.0	1.0	846	$1,100	$1.30	6d	1	1.01mi
167 W Ridgewood Ave Red Bank, TN	2.0	1.0	800	$1,373	$1.72	6d	1	1.05mi
113 Goodson Ave Chattanooga, TN	2.0	1.0	711	$990	$1.39	5d	1	1.06mi
113 Goodson Ave Unit 10 Chattanooga, TN	2.0	1.0	711	$840	$1.18	109d	1	1.06mi
113 Goodson Ave Unit 11 Chattanooga, TN	2.0	1.0	711	$850	$1.20	109d	1	1.06mi
121 Goodson Ave Unit F Chattanooga, TN	1.0	1.0	665	$950	$1.43	119d	1	1.09mi
300 W Midvale Ave Chattanooga, TN	1.0	1.0	850	$1,000	$1.18	6d	1	1.09mi
300 W Midvale Ave Chattanooga, TN	1.0–2.0	1.0–1.5	1050	$1,299	$1.24	109d	4	1.09mi
125 Goodson Ave Chattanooga, TN	1.0	1.0	844	$1,100	$1.30	116d	1	1.10mi
2614 Berkley Dr Chattanooga, TN	2.0	1.0	1100	$2,150	$1.95	6d	1	1.13mi
109 Peace St Unit 123 Red Bank, TN	1.0	1.0	600	$950	$1.58	119d	1	1.14mi
109 Peace St Unit 141 Red Bank, TN	1.0	1.0	600	$975	$1.62	116d	1	1.14mi
127 Goodson Ave Chattanooga, TN	1.0–2.0	1.0	792	$1,190	$1.50	119d	1	1.15mi
127 Goodson Ave Chattanooga, TN	1.0	1.0	685	$988	$1.44	0d	2	1.15mi
1185 Mountain Creek Rd Chattanooga, TN	1.0–2.0	1.0–2.0	868	$1,456	$1.68	0d	16	1.20mi
109 Signal View St Unit A Chattanooga, TN	2.0	1.0	846	$1,199	$1.42	119d	1	1.21mi
109 Signal View St Unit D Chattanooga, TN	2.0	1.0	850	$1,100	$1.29	6d	1	1.21mi
154 Goodson Ave Apt 2B Chattanooga, TN	1.0	1.0	624	$1,073	$1.72	3d	1	1.25mi
154 Goodson Ave Unit 1B Chattanooga, TN	1.0	1.0	650	$1,123	$1.73	3d	1	1.25mi
105 P Poole Ave Chattanooga, TN	1.0	1.0	650	$975	$1.50	119d	1	1.26mi
105 P Poole Ave Chattanooga, TN	1.0	1.0	649	$950	$1.46	6d	1	1.26mi
2406 Lyndon Ave Unit 04 Chattanooga, TN	2.0	1.5	1000	$1,273	$1.27	109d	1	1.31mi
2833 Dayton Blvd Chattanooga, TN	1.0	1.0	600	$978	$1.63	0d	2	1.33mi
2414 Lyndon Ave Chattanooga, TN	1.0	1.0	600	$765	$1.27	119d	1	1.35mi
3001 Dayton Blvd Chattanooga, TN	2.0–4.0	1.0–2.0	1350	$1,100	$0.81	0d	3	1.37mi
3131 Mountain Creek Rd Chattanooga, TN	1.0–2.0	1.0–2.0	907	$1,599	$1.76	0d	14	1.37mi

Property features AI

Finance

• HOA & community: Homeowners association with monthly feeAssociation amenities include clubhouse, dog park, fitness center, gated access, grounds maintenance, playground, year-round pond, pool, tennis courts, and waterAssociation fee includes grounds maintenance, pest control, sewer, trash, and water

Exterior

• Parking: Off-street parking
• Security: Gated communitySecurity guardSmoke detectors
• Utilities: Public waterPrivate sewerElectricity connected
• Home design: Multi-family condominiumResidential propertyUpdated/remodeled conditionTwo levelsSecond-floor unit (directions indicate Unit K 144 is on the second floor)
• Construction: Built with other construction materialsSlab foundation
• Exterior features: Association poolOther exterior featuresNo fencingShingle roof

Interior

• Kitchen: RefrigeratorMicrowaveElectric rangeDishwasher
• Bedrooms: Total of 5 rooms (includes bedrooms and living spaces)
• Flooring: CarpetSimulated woodVinyl
• Bathrooms: 1 full bathroom1 half bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Laminate countersAluminum frame windows with blindsSecurity guard and smoke detectors
• Laundry & utility: Common area laundry

HOA detail $245/mo · $2,940/yr condo

• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 50 events

1. 2026-09-23
   days on market $130,000 Active 86 DOM
2. 2026-09-22
   days on market $130,000 Active 85 DOM
3. 2026-09-21
   days on market $130,000 Active 84 DOM
4. 2026-09-20
   days on market $130,000 Active 83 DOM
5. 2026-09-18
   days on market $130,000 Active 81 DOM
6. 2026-09-17
   days on market $130,000 Active 80 DOM
7. 2026-09-16
   days on market $130,000 Active 79 DOM
8. 2026-09-15
   days on market $130,000 Active 78 DOM
9. 2026-09-14
   days on market $130,000 Active 77 DOM
10. 2026-09-13
    days on market $130,000 Active 76 DOM
11. 2026-09-12
    days on market $130,000 Active 75 DOM
12. 2026-09-11
    days on market $130,000 Active 74 DOM
13. 2026-09-05
    days on market $130,000 Active 68 DOM
14. 2026-09-04
    days on market $130,000 Active 67 DOM
15. 2026-09-03
    days on market $130,000 Active 66 DOM
16. 2026-08-31
    days on market $130,000 Active 63 DOM
17. 2026-08-30
    days on market $130,000 Active 62 DOM
18. 2026-08-29
    days on market $130,000 Active 61 DOM
19. 2026-08-28
    days on market $130,000 Active 60 DOM
20. 2026-08-27
    days on market $130,000 Active 59 DOM
21. 2026-08-25
    days on market $130,000 Active 57 DOM
22. 2026-08-24
    days on market $130,000 Active 56 DOM
23. 2026-08-23
    days on market $130,000 Active 55 DOM
24. 2026-08-22
    days on market $130,000 Active 54 DOM
25. 2026-08-21
    days on market $130,000 Active 53 DOM
26. 2026-08-20
    days on market $130,000 Active 52 DOM
27. 2026-08-19
    days on market $130,000 Active 51 DOM
28. 2026-08-18
    days on market $130,000 Active 50 DOM
29. 2026-08-17
    days on market $130,000 Active 49 DOM
30. 2026-08-16
    days on market $130,000 Active 48 DOM
31. 2026-08-15
    days on market $130,000 Active 47 DOM
32. 2026-08-14
    days on market $130,000 Active 46 DOM
33. 2026-08-13
    days on market $130,000 Active 45 DOM
34. 2026-08-12
    days on market $130,000 Active 44 DOM
35. 2026-08-11
    days on market $130,000 Active 43 DOM
36. 2026-08-10
    days on market $130,000 Active 42 DOM
37. 2026-08-09
    days on market $130,000 Active 41 DOM
38. 2026-08-08
    days on market $130,000 Active 40 DOM
39. 2026-08-07
    days on market $130,000 Active 39 DOM
40. 2026-08-06
    days on market $130,000 Active 38 DOM
41. 2026-08-05
    days on market $130,000 Active 37 DOM
42. 2026-08-04
    days on market $130,000 Active 36 DOM
43. 2026-08-03
    days on market $130,000 Active 35 DOM
44. 2026-07-31
    days on market $130,000 Active 32 DOM
45. 2026-07-29
    days on market $130,000 Active 30 DOM
46. 2026-07-27
    days on market $130,000 Active 28 DOM
47. 2026-07-25
    days on market $130,000 Active 26 DOM
48. 2026-07-24
    days on market $130,000 Active 25 DOM
49. 2026-07-23
    days on market $130,000 Active 24 DOM
50. 2026-07-22
    days on market $130,000 Active 23 DOM

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

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone AE · 78% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 9 d/yr ≥104°F today · 26 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 10% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,856
• − Mortgage interest: −$7,282
• − Property taxes: −$1,950
• − Insurance: −$5,768
• − Repairs & maintenance: −$1,269
• − Management: −$1,269
• − HOA: −$2,940
• − Depreciation: −$3,782
• Taxable loss: −$8,403
• Est. tax savings @ 24.0%: +$2,017
• After-tax cash flow: $-4,296/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.

Condition & rehab AI · 13 photos

Good 80/100 Cosmetic rehab Est. rehab $4,750–$14,250 screening

This two-story condo corner unit is in good condition with recent updates, making it move-in ready and well-suited for both resale and rental.

Value-add opportunities

• Resale Painting the exterior siding and roof — Painting the exterior can enhance the home's curb appeal and make it more attractive to potential buyers. ↑
• Rental Landscaping improvements — Well-maintained landscaping can attract more tenants and make the property more appealing. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 22/100

Zoned Schools

Elementary Red Bank Elementary F TN #400/952 Nat'l #26,096/41,679 Middle Red Bank Middle School F TN #236/333 Nat'l #12,913/14,009 High Red Bank High School F TN #156/332 Nat'l #13,633/17,239

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

B Composite livability gradescore 78/100

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 · 393,784 people
• City population: 131,999
• Metro: Chattanooga, TN-GA
• Population (ZIP): 18,109
• Household income: $81,337
• Rent vs Own: 51.3% rent · 48.7% own
• Severe rent burden: 5% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Two or more races 8% Black 4% Asian 3% Hispanic / Latino 3%
• Common ancestry: Slovak 5% Serbian 3% Lithuanian 2%
• Foreign-born: 4% · Canada
• Languages at home: 95% English-only · Spanish 2% Other Indo-European 1%

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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: ▼ -380.39%
• Current HPI: 335.8088
• Rent YoY: ▲ 5.64%
• Metro: Chattanooga, TN-GA
• State GDP YoY: ▲ 2.78%
• F500 in state: 22

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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

Property features AI

Finance

• HOA & community: Homeowners association with monthly feeAssociation amenities include clubhouse, dog park, fitness center, gated access, grounds maintenance, playground, year-round pond, pool, tennis courts, and waterAssociation fee includes grounds maintenance, pest control, sewer, trash, and water

Exterior

• Parking: Off-street parking
• Security: Gated communitySecurity guardSmoke detectors
• Utilities: Public waterPrivate sewerElectricity connected
• Home design: Multi-family condominiumResidential propertyUpdated/remodeled conditionTwo levelsSecond-floor unit (directions indicate Unit K 144 is on the second floor)
• Construction: Built with other construction materialsSlab foundation
• Exterior features: Association poolOther exterior featuresNo fencingShingle roof

Interior

• Kitchen: RefrigeratorMicrowaveElectric rangeDishwasher
• Bedrooms: Total of 5 rooms (includes bedrooms and living spaces)
• Flooring: CarpetSimulated woodVinyl
• Bathrooms: 1 full bathroom1 half bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Laminate countersAluminum frame windows with blindsSecurity guard and smoke detectors
• Laundry & utility: Common area laundry

Price history

-13.0% since first listed

5 events — show timeline

• 2026-06-29 Listed $130,000 GCAR
• 2026-06-25 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2026-04-24 Listed $130,000 REALTRACS as Distributed by MLS Grid
• 2026-01-13 Price Changed $130,000 GCAR
• 2025-09-22 Price Changed $149,500 GCAR