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930 Oak St, Chattanooga, TN, 37403

5beds
4baths
3,304sqft
$950,000
$288price/sqft
$5,805/moest. monthly cost
$232,200/yrincome needed

About This Home

Come see this maginificcent period home with its beautiful renovations, making it move in ready! Known as the Cavender House, built as a spacious and elegant family home in 1906, it sits on the corner of Oak and Central Avenue in the historic FORTWOOD neighborhood. The home's location makes it convenient to all that Chattanooga has to offer. It is in close vicinity to three major area hospitals, University of Tennessee, museums, restaurants and downtown attractions. The ample parking space is paved for six cars in its own private courtyard, which is a rarity in a residential neighborhood where residents must park their cars on the street. Listed on the National Gallery of Historic Homes, this unique Victorian Home was grandfathered for R4 zoning in January of 1981, and is perfect for a family, business, or group of professionals. Can also be considered for a B&B a/o an AirBNB with owner occupancy based on new zoning. Additional off street leased parking is available across the street. Constructed of solid brick, this two-story home has a partially finished basement and a walk-up attic that runs the entire length and breadth of the house. Slate roof features pyramid and gable details, wood shingled dormer and front gable pediment. A one-story wrap around porch with small Ionic columns, oak & pinewood floors, wainscoting, original mouldings, chair rails in the dining room, high ceilings and transoms are just some of the extraordinary features. Seven fireplaces with each mantlepiece a work of art, feature engraved fireplace fittings and are highlights of the home. The same tiger oak seen on the staircase is used on the floor to ceiling massive pocket doors which give privacy to the parlor and the dining room. Beautiful woodwork carvings and intricate etchings throughout the home demonstrate the quality of workmanship. The foyer of the main floor opens to a sitting area with fireplace and grand staircase. Down the corridor is a beautifully designed kitchen with pantry and new stainless appliances, providing all the modern conveniences. Adjacent is both a formal dining area and a breakfast room. A full bedroom or office space is also available on the main level. Finishing out the main level is a half bath and newly designed added full bath. Four large bedrooms make up the second level along with renovated full bath. The home has been well maintained, refurbished, modernized and is truly show worthy while maintaining all of its old-world charm. Newly finished original hardwood floors, freshly painted, new kitchen and updated bathrooms are just some of the renovations. The original wood trim will amaze you with its beauty and beautifully preserved original details. Storage is never a problem with this home. Basement includes a full bath as well. This is an EXCEPTIONAL home that is both stately and welcoming. With its recent renovations, updated electrical and plumbing, it is ready to welcome its new family.

Getting Around

56
WalkingSomewhat Walkable
35
TransitSome Transit
67
BikeBikeable

Schools

3/10
4/10
The Howard SchoolGrades 9-121.6 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1906

Materials

  • Foundation: Brick/Mortar
  • Roof: Slate
  • Construction materials: Brick,Stone

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Electric Water Heater,Microwave,Refrigerator,Water Heater
  • Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom

  • Level: First

Bathroom

  • Level: First

Bathroom

  • Level: Basement

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Second

Dining Room

  • Level: First

Features

  • Bookcases,Chandelier,Crown Molding,Entrance Foyer,High Ceilings,Pantry,Walk-In Closet(s),Tub/shower Combo,Sitting Area,Breakfast Room,Separate Dining Room
  • Window features: Wood Frames
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 7
  • Fireplace features: Bedroom,Den,Dining Room,Family Room,Kitchen,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,119
  • Finished area above ground: 3,304

Heating & Cooling

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

Interior Area

  • Total structure area: 3,304
  • Total interior livable area: 3,304 sqft

Kitchen

  • Level: First

Laundry

  • Level: Basement

Living Room

  • Level: First

Office

  • Level: Basement

Other

  • Level: First

Utility Room

  • Level: Basement

Property

Details

  • Parcel number: 146h F 009

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Front Porch,Rear Porch,Wrap Around,Porch - Covered
  • Exterior features: Rain Gutters
  • Spa features: None
  • Fencing: None

Lot

  • Lot size: 8,276 sqft
  • Features: City Lot,Corner Lot,Level
  • Lot size dimensions: 58 x 142

Parking

  • Parking features: Off Street,On Street,Paved,Parking Lot

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 $4,803$57,636
Home Insurance $244$2,928
Property Taxes $490$5,880
Electricity $268$3,221
Total$5,805$69,660

Income You'd Need if You Spent...

35% on housing$199,028/yr
40% on housing$174,150/yr
45% on housing$154,800/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

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 37403$238
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37403
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-11-06Listed for sale$1,100,000
2025-04-29Listing removed$825,000
2024-02-22Price change$825,000
2024-01-17Pending sale$850,000
2024-01-16Contingent$850,000
2023-09-05Price change$850,000
2023-05-03Listed for sale$950,000
2022-11-07Contingent$795,000
2022-07-12Price change$795,000
2022-06-16Price change$825,000
2022-05-11Price change$885,000
2022-04-25Price change$950,000
2022-04-22Listed for sale$885,000

For Sale by Agent

AgentPhyllis P James
BrokerageHorizon Sotheby's International Realty

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