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1444 Madison St, Chattanooga, TN, 37408

3beds
3baths
2,256sqft
$699,000
$310price/sqft
$4,632/moest. monthly cost
$185,280/yrincome needed

About This Home

OPEN HOUSE SAT 8/15 2-4. Come and experience Southside living at its finest in 37408... one of the top 100 hottest zip codes according to MovingPlace! This move-in ready gem is just steps off vibrant Main Street in the heart of downtown Chattanooga. Offering a comfortable floor plan with the master suite on main level and a convenient 2 car garage , this home provides a rare opportunity to truly live in the middle of it all while enjoying the charm and comfort of a traditional floor plan and neighborhood setting. Walk or bike to the hottest restaurants, shops, coffee spots, breweries, and farmers markets, then return home to the charm of quaint Madison Street lined with storybook homes and front porch living. Inside, the thoughtfully designed floor plan features a spacious main-level primary suite and a light-filled open kitchen/living area perfect for entertaining or relaxing by the fireplace. 10 ft ceilings, modern fixtures and inviting finishes create a warm and stylish atmosphere throughout. Upstairs, two additional bedrooms share a double vanity full bath along with a large flex area ideal for a home office, media room, playroom or additional living space. Arrive home to the convenience of the detached two-car garage and enter through the lovely fenced backyard and courtyard oasis where a practical mudroom and drop zone welcome you home and help leave the day behind. Whether enjoying coffee from the front porch or watching the neighborhood come alive from the second-story balcony, this home offers the perfect blend of urban convenience and neighborhood comfort. Skip the traffic and enjoy Chattanooga's thriving Main Street lifestyle every single day-just steps from your front door.

Getting Around

65
WalkingSomewhat Walkable
40
TransitSome Transit
72
BikeVery Bikeable

Schools

3/10
4/10
The Howard SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 2016

Materials

  • Foundation: Block,Slab
  • Roof: Shingle,Shake,Wood
  • Construction materials: Brick,Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Gas Range,Microwave,Refrigerator
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Cathedral Ceiling(s),Eat-in Kitchen,Granite Counters,High Ceilings,Open Floorplan,Primary Downstairs,Walk-In Closet(s),Double Shower,Tub/shower Combo,En Suite
  • Window features: Vinyl Frames
  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Great Room
  • Fireplace: Yes
  • Finished area above ground: 2,256

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Multi Units

Interior Area

  • Total structure area: 2,256
  • Total interior livable area: 2,256 sqft

Property

Details

  • Parcel number: 145l M 001

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Porch,Porch - Covered
  • Exterior features: Balcony

Lot

  • Lot size: 3,876 sqft
  • Features: Level
  • Lot size dimensions: 25.02 x 155.27

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Garage Faces Rear,Kitchen Level
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Inland Flooding
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Earthquake
Lightning
Strong Wind
Winter Weather
Cold Wave
Hail
Ice Storm

FEMA Declared Disasters Across Tennessee Counties

Flood
Severe Storm
Straight Line Winds
Tornado
Winter 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 $3,534$42,408
Home Insurance $158$1,896
Property Taxes $757$9,084
Electricity $183$2,199
Total$4,632$55,584

Income You'd Need if You Spent...

35% on housing$158,811/yr
40% on housing$138,960/yr
45% on housing$123,520/yr

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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$310This listing

vs Other Active Listings

Avg $/sqft

ZIP 37408$222
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37408
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-22Listed for sale$699,000
2026-07-20Contingent$699,000
2026-06-11Listed for sale$699,000
2021-12-30Sold$560,000
2021-11-23Contingent$579,000
2021-11-12Listed for sale$579,000
2021-10-04Sold$500,000
2021-09-17Contingent$499,990
2021-09-04Pending sale$499,990
2021-08-27Listed for sale$499,990
2020-10-15Sold$430,000
2020-07-30Listed for sale$424,500
2016-08-02Sold$363,900

For Sale by Agent

AgentKelly Shikoh
BrokerageReal Estate Partners Chattanooga LLC

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