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409 Florence St, Rossville, GA, 30741

1beds
--baths
512sqft
$69,000
$135price/sqft
$821/moest. monthly cost
$32,840/yrincome needed

About This Home

Bring Your Vision to Life! Opportunity awaits with this partially completed small home, framed and ready for your personal touch. No rooms have been designated or walls up. Design the interior to suit your needs with the freedom to choose wall placement, electrical layout, and plumbing finishes. The septic system has already been approved and installed, providing a great head start toward completion. Tucked away among the trees and currently the only home on Florence Street just off Rosa, this property offers a peaceful setting with convenient access to area shopping, restaurants, and popular destinations including Lake Winnepesaukah Amusement Park, Costco Wholesale, and downtown Chattanooga. Whether you're looking to create a cozy personal retreat, investment property, or potential short-term rental (subject to local regulations), this unique property offers endless possibilities. A 14' x 20' workshop provides additional space for storage, hobbies, or projects. Enjoy privacy, natural surroundings, and the chance to finish this home exactly the way you've imagined. Rare opportunity to create something special in a convenient location close to everything Chattanooga has to offer!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

3/10
4/10
Rossville Middle SchoolGrades 6-81.8 mi
4/10
Ridgeland High SchoolGrades 9-123.7 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2023

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: None

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 1

Features

  • Other
  • Window features: Vinyl Frames
  • Flooring: None
  • Finished area below ground: 0
  • Finished area above ground: 512

Heating & Cooling

  • Heating features: None
  • Cooling features: None

Interior Area

  • Total structure area: 512
  • Total interior livable area: 512 sqft

Living Room

  • Level: First

Property

Details

  • Parcel number: 0205 043
  • Other equipment: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: None
  • Exterior features: Private Yard
  • Spa features: None
  • Fencing: None

Lot

  • Lot size: 0.50 Acres
  • Features: Cleared,Level,Rural
  • Lot size dimensions: 179 x 230

Parking

  • Parking features: Driveway,RV Access/Parking

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
Strong Wind
Winter Weather

FEMA Declared Disasters Across Georgia Counties

Flood
Hurricane
Severe Storm
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $348$4,176
Home Insurance *$144$1,728
Property Taxes $110$1,320
Electricity $219$2,637
Total$821$9,852
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$28,148/yr
40% on housing$24,630/yr
45% on housing$21,893/yr

Georgia FAIR Plan Programs

Georgia Underwriting Association

Covered
WildfireWildfire
Add-on available
WindWind
Visit Website →

Georgia Underwriting Association - Coastal

Covered
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,778Commercial: 638
Total Premiums$16.25M
Total Exposure$2.20B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$135This listing

vs Other Active Listings

Avg $/sqft

ZIP 30741$110
Walker County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 30741
Walker County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-11Contingent$69,000
2026-08-10Pending sale$69,000
2026-07-01Price change$69,000
2026-06-08Listed for sale$79,000
2023-08-04Sold$9,000
2010-06-25Sold$10,000

New Construction

AgentTeresa G Hogg
BrokerageBetter Homes and Gardens Real Estate Jackson Realty

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