434 D Harvey Rd · Flat Top Mountain, TN 37338

$349,000

4 bd · 2.0 ba · 2,896 sqft · SingleFamily public records · 229 Days on market

Built 1999 1.47 ac lot $121/sqft · 26% below area Est $430k · 19% under ↓ 4% 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 +15.0/15.0
• Appreciation +10.0/10.0
• Cash flow +3.9/30.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and functionality. Sitting on 1.47 acres of meticulously manicured land, this property is a true retreat from the hustle and bustle. Inside, you'll find 4 spacious bedrooms and 3 full baths, including a private 1 bed/1 bath suite with its own kitchen and separate entrance, ideal for a mother-in-law setup, guest space, or rental opportunity. Enjoy your own backyard oasis with a sparkling pool and plenty of room to entertain. Two storage sheds provide ample space, with one equipped with electricity, perfect for a workshop or hobby area. If you're looking for peaceful country living with flexibility and modern comfort, this is the one!

Key facts

• In-law suite
• Backyard oasis
• Farm sink

Tags

• IN-LAW SUITE
• STORAGE SHEDS
• BACKYARD OASIS
• KITCHEN QUARTZ COUNTERS
• FARM SINK

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $349k.

Deal economics

• At list price, monthly cash flow is $-999 ($-12k/yr) — negative.
• To cash-flow at today's rent, offer at most $172k (50.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $133k (61.9% below list).
• Recommended offer: $133k (61.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#193 in TN) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime B+; Watch: schools D+, cost of living D, amenities F.
• Sequatchie County (rural): math 24% / reading 24% proficiency, ranked #95 of 139 in TN (top 68%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 51 active listings in the ZIP; 37 units permitted in Sequatchie County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $37k of equity ($2k loan paydown + $35k appreciation (10.0% local appreciation)).
• Sequatchie County population projected at +8% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$60k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 229 days — a 12% lower offer ($307k) 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.

Risks & watch-outs

• Climate carrying-cost: major wildfire risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $133,055 (61.9% 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 229 days. Have you received any prior offers? Is the seller open to a 62% 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 D-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. 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?
7. 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.
8. 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.
9. 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: 0.38% ✗
• Cap rate: 2.86%
• Cash-on-cash: -12.27%
• DSCR: 0.45
• GRM: 21.9

CMA / ARV

• ARV (median comp): $429,999
• List price: $349,000
• Delta: -18.84%
• Verdict: UNDERPRICED
• Comps: 13 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 15.7%
• Equity multiple: 2.29×
• Total profit: $126,231
• Equity at exit: $314,407

10-year hold

• IRR: 15.2%
• Equity multiple: 5.31×
• Total profit: $421,376
• Equity at exit: $678,030

Cash invested: $97,720 (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 37338

• Home prices YoY: 3.6%
• Active inventory: 51
• Price-to-rent: 21.9×

Monthly cashflow live

• Estimated rent: $1,331 medium
• Mortgage (P&I): −$1,830
• Tax from tax record: −$75 /mo · $897/yr
• Insurance: −$145
• HOA: −$0
• Vacancy / Maint / Mgmt: −$279
• Net cashflow: $-999

Break-even live

Break-even rent $2,595

Max offer price $172,482

Occupancy floor —

Sensitivity live

Price	-10% $-802	-5% $-900	+0% $-999	+5% $-1,098	+10% $-1,197
Rent	-10% $-1,104	-5% $-1,052	+0% $-999	+5% $-947	+10% $-894
Rate	-1.0pp $-823	-0.5pp $-910	base $-999	+0.5pp $-1,090	+1.0pp $-1,182

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: $87,250
• Closing costs: $10,470
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-18
   days on market $349,000 Active 229 DOM
2. 2026-06-17
   days on market $349,000 Active 228 DOM
3. 2026-06-16
   days on market $349,000 Active 227 DOM
4. 2026-06-15
   days on market $349,000 Active 226 DOM
5. 2026-06-14
   days on market $349,000 Active 224 DOM
6. 2026-06-13
   days on market $349,000 Active 223 DOM
7. 2026-06-10
   days on market $349,000 Active 221 DOM
8. 2026-06-09
   days on market $349,000 Active 220 DOM
9. 2026-06-08
   days on market $349,000 Active 219 DOM
10. 2026-06-07
    days on market $349,000 Active 218 DOM
11. 2026-06-05
    days on market $349,000 Active 215 DOM
12. 2026-06-03
    days on market $349,000 Active 214 DOM
13. 2026-06-02
    days on market $349,000 Active 213 DOM
14. 2026-06-01
    days on market $349,000 Active 212 DOM
15. 2026-05-31
    days on market $349,000 Active 211 DOM
16. 2026-05-30
    days on market $349,000 Active 210 DOM
17. 2026-04-15
    price $349,000 918-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

18. 2026-04-15
    price $349,000 2047-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

19. 2026-04-15
    price $349,000

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

20. 2026-02-20
    price $359,000 918-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

21. 2026-02-20
    price $359,000 2047-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

22. 2026-02-20
    price $359,000

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

23. 2026-01-15
    status Active 918-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

24. 2026-01-15
    status Active 2047-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

25. 2026-01-15
    status Active

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

26. 2025-12-02
    historical
27. 2025-09-19
    listed $365,000 Active
28. 2025-09-18
    listed $365,000 Active 918-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

29. 2025-09-18
    listed $365,000 Active 2047-char remark

    Show marketing remark (2047 chars)

    Peaceful 4-Bedroom, 3-Bath Home on 1.47 Acres in a beautiful setting with a Mother-In-Law Suite & Pool - Income Potential! Tucked away at the end of a quiet dead-end street, this beautifully maintained 1999 manufactured home offers the perfect blend of privacy, space, and versatility. Set on 1.47 acres of meticulously manicured land, this property feels like a private retreat while remaining conveniently close to Chattanooga. The main home features 4 spacious bedrooms and 3 full bathrooms, filled with natural light thanks to new windows throughout (Window World, lifetime warranty). A standout feature is the private 1-bedroom, 1-bath in-law suite, stick-built in 2004, complete with its own kitchen and separate entrance--ideal for multi-generational living, rental income, or Airbnb use. Step outside to your backyard oasis, complete with a sparkling pool and plenty of room for entertaining. Two storage sheds provide ample storage, with one equipped with electricity, making it perfect for a workshop or hobby space. A wide gravel driveway offers generous parking options. Despite the Graysville mailing address, the property is not located in Graysville or Dunlap. It is situated on Lewis Chapel Mountain off Highway 111, near Flat Top Mountain, offering peaceful country living with easy access--just 15 minutes to Highway 27 and approximately 35 minutes to downtown Chattanooga. If you're looking for peaceful country living with flexibility, income potential, and modern updates, this property checks every box. House Updates List From Sellers: -Septic Service Aug 2023 -New Leaf Relief Gutters and Sofit Sep 2025 (Wind World) -New Hot Water Tank with Drip Pan (Oct 2025) -New Back Door May 2018 -New Front Door June 2022 -New Concrete Enforced 6x6 Deck Supports Front and Back -New Heat/AC System May 2018 -New Tub Master Bedroom May 2018 -New Roof on Addition and Storage Building July 2021 -Kitchen Quartz Counters, Island, Tile Backsplash -Farm Sink July 2023 -Brand New GE Dishwasher -Brand New Self Cleaning Oven Range

ⓘ 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: $897 · $75/mo
• Projected year-2 tax: $2,478 · $206/mo
• Expected delta: +$1,581/yr (+$132/mo · 176.2%)

ⓘ 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 6/10 Major
• 🌡 Heat 3/10 Moderate 6 d/yr ≥100°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% 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: $15,967
• − Mortgage interest: −$19,549
• − Property taxes: −$897
• − Insurance: −$1,745
• − Repairs & maintenance: −$1,277
• − Management: −$1,277
• − Depreciation: −$10,153
• Taxable loss: −$18,932
• Est. tax savings @ 24.0%: +$4,544
• After-tax cash flow: $-7,447/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: Sequatchie County
• NCES district ID: 4703750
• Math proficiency: 24% ▼ -4.00%
• Reading proficiency: 24% ▼ -3.00%
• Median HH income: $40,931
• Composite: 20.37/100
• National rank: #8598
• State rank: #95 of 139 in TN

Livability — Flat Top Mountain

• Score: 63/100
• State rank: #193
• US rank: #15283

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,991

Population outlook (Sequatchie County) Hauer SSP2

• Today (2025): 15,998 people
• By 2030: 16,451 · +2.8%
• By 2040: 17,030 · +6.5%
• By 2050: 17,192 · +7.5%
• By 2075: 17,053 · +6.6%
• By 2100: 15,876 · -0.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Two or more races 7% Hispanic / Latino 4% Black 3%
• Common ancestry: Iranian 2% Lithuanian 2% Slovak 1%
• Foreign-born: 1% · Canada
• Languages at home: 98% English-only · Spanish 1%

Political lean MEDSL · Sequatchie

• 2024 margin: Solid R (+66.3) · D 16.4% · R 82.7%
• 2008→2024 swing: -31.5pp toward R · 2008: -34.8pp · 2024: -66.3pp
• All cycles: 2024: R+66.3 2020: R+62.8 2016: R+59.7 2012: R+39.9 2008: R+34.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 12.62%
• Current HPI: 365.0013
• Rent YoY: —
• Metro: —
• 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

-4.4% since first listed

13 events — show timeline

• 2026-04-15 Price Changed $349,000 RCAOR
• 2026-04-15 Price Changed $349,000 GCAR
• 2026-04-15 Price Changed $349,000 REALTRACS as Distributed by MLS Grid
• 2026-02-20 Price Changed $359,000 RCAOR
• 2026-02-20 Price Changed $359,000 GCAR
• 2026-02-20 Price Changed $359,000 REALTRACS as Distributed by MLS Grid
• 2026-01-15 Relisted — RCAOR
• 2026-01-15 Relisted — GCAR
• 2026-01-15 Relisted — REALTRACS as Distributed by MLS Grid
• 2025-12-02 Listing Removed — REALTRACS as Distributed by MLS Grid
• 2025-09-19 Listed $365,000 REALTRACS as Distributed by MLS Grid
• 2025-09-18 Listed $365,000 GCAR
• 2025-09-18 Listed $365,000 RCAOR

Property tax history

+1.8%/yr

Latest (2025): $897 · +0.0% YoY. Source: county tax records.