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1405 Williams St, Chattanooga, TN, 37408

1beds
--baths
3,726sqft
$1,950,000
$523price/sqft
$11,327/moest. monthly cost
$453,080/yrincome needed

About This Home

Built in 2002, this rare live/work property at 1405 Williams Street sits on one of Southside's most established blocks and features AIA award-winning architecture by Hefferlin + Kronenberg. The design is structured around a 500 SF private courtyard -- the architectural center of the property -- from which every major space unfolds. Rather than a hallway, the courtyard becomes the axis: light source, circulation path, and outdoor room in one. From the street inward, the sequence moves intentionally from public to private: 1) 850 SF street-front gallery, retail, or office space with strong sidewalk visibility 2) The central courtyard, uniting all spaces 3) 1,150 SF rear studio accessed directly from the courtyard for fabrication, meetings, teaching, or focused work 4) Second-floor office with private bath 5) Top-floor one-bedroom residence with mountain views The courtyard is a rare, urban open air space. It supports a wide range of daily and seasonal use: private morning coffee, al fresco family dining, quiet work between meetings, or evenings of relaxed, well-composed entertaining. Every primary zone opens to it, creating separation without isolation. This configuration provides a structured solution for an owner-user seeking visible street presence, dedicated workspace, and private residence above. Originally designed for a married couple of international artists, the structure was purpose-built for integrated living and working. Zoning permits gallery, therapy practice, coaching, design studio, specialty retail, small law firm, or any work-home combination. Converting the public spaces to private is also permitted. Two private rear parking spaces add uncommon convenience for an owner-user. Shown by appointment.

Getting Around

81
WalkingVery Walkable
45
TransitSome Transit
90
BikeBiker's Paradise

Schools

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

Construction

Condition

  • Year built: 2002

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Concrete,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Mixed Use

Interior

Appliances

  • Laundry features: In Unit

Bedrooms & Bathrooms

  • Bedrooms: 1

Cooling

  • Cooling features: Central Air,Multi Units

Features

  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 3,726

Interior Area

  • Total structure area: 3,726
  • Total interior livable area: 3,726 sqft

Property

Details

  • Parcel number: 145l A 002.01

Features

  • Levels: Three Or More
  • Exterior features: Courtyard
  • Has view: Yes
  • View description: City Lights,Mountain(s)

Lot

  • Lot size: 3,484 sqft
  • Features: Views
  • Lot size dimensions: 25 x 130

Parking

  • Total spaces: 2
  • Parking features: Off Street
  • Covered spaces: 2
  • Carport: Yes
  • Carport 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 FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Earthquake
Ice Storm
Strong Wind
Winter Weather

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 $9,860$118,320
Home Insurance $158$1,896
Property Taxes $1,007$12,084
Electricity $302$3,632
Total$11,327$135,924

Income You'd Need if You Spent...

35% on housing$388,354/yr
40% on housing$339,810/yr
45% on housing$302,053/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

$523This listing

vs Other Active Listings

Avg $/sqft

ZIP 37408$211
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
2026-02-20Price change$1,950,000
2025-10-07Price change$2,200,000
2025-05-12Price change$2,500,000
2025-04-10Price change$2,750,000
2009-09-27Listed for sale$995,000

For Sale by Agent

AgentBethany Patten
BrokerageCompass Tennessee

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