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18 N Church St, Sparta, TN, 38583

9beds
3baths
5,900sqft
$575,000
$97price/sqft
$3,912/moest. monthly cost
$156,480/yrincome needed

About This Home

18 North Church is a charming building with a rich history. Originally constructed in 1932, it served as a church and continues to exude a sense of timeless beauty. The architecture showcases classic design elements, including 15-inch Crab Orchard solid stone exterior walls, stunning stained-glass windows, beautiful vaulted, exposed, beamed ceilings on the main level. With so much generous natural light the neutral color palette is the perfect for your design vision. This property has been completely renovated throughout. The main floor features 3 bedrooms, 1 bath, kitchen with all appliances remain and a laundry room. Additionally, the property boasts a spacious basement that houses 2 separate units with each having 3 bedrooms, bath, laundry area and kitchen with all appliances. Each unit has all separate utilities and entrances, HVAC units, and on separate utility meters. Making this property an Owner Occupants Dream! Also perfect for office space, Air BNB, rental units, venue

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

6/10
6/10
White Co Middle SchoolGrades 6-81.1 mi
7/10
White County High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1932

Materials

  • Construction materials: Stone,Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator,Electric Range,Microwave,Washer,Dryer,Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Stone,Finished

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s),Vaulted Ceiling(s)

Heating & Cooling

  • Heating features: Natural Gas,Electric,Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 5,900
  • Total interior livable area: 5,900 sqft

Property

Details

  • Parcel number: 018.00

Features

  • Has view: Yes
  • View description: No Water Frontage View Description
  • Water view: No Water Frontage View Description
  • Waterfront features: No Water Frontage View Description

Lot

  • Lot size: 0.50 Acres
  • Lot size dimensions: 98 x 222 IRR

Parking

  • Parking features: Main Level,Open

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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

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 $2,907$34,884
Home Insurance $316$3,792
Property Taxes $210$2,520
Electricity $479$5,752
Total$3,912$46,944

Income You'd Need if You Spent...

35% on housing$134,125/yr
40% on housing$117,360/yr
45% on housing$104,320/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$97This listing

vs Other Active Listings

Avg $/sqft

ZIP 38583$193
White County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 38583
White County$196

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2025-08-26Listed for sale$575,000
2025-07-16Listing removed$575,000
2025-06-10Price change$575,000
2025-03-27Price change$599,000
2024-07-23Listed for sale$624,900
2024-07-01Listing removed--
2024-04-22Price change$624,900
2023-09-12Listed for sale$665,000
2023-01-20Listing removed--
2022-12-22Listed for sale$699,000
2022-12-22Pending sale$699,000
2022-09-15Listed for sale$699,000
2022-06-15Listing removed--
2022-05-12Listed for sale$699,900
2022-04-29Listing removed--
2022-01-27Listed for sale$749,900

For Sale by Agent

AgentTamara England
BrokerageFirst Realty Company

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