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1325 Central Ave, Chattanooga, TN, 37408

2beds
3baths
1,464sqft
$430,000
$294price/sqft
$2,999/moest. monthly cost
$119,960/yrincome needed

About This Home

This is an Airbnb next available showing is from 11:00 A.M. on 8-1 to 2:30 on 8-6 Move-in ready....or ready for short term rental 3 bedroom, 2.5 bath end-unit row home at 1325 Central Avenue. Spacious layout with an awesome rooftop porch and city views, set in the heart of Chattanooga's Southside--minutes to downtown, Lookout Mountain, Lookouts Stadium, and more. Walk to area restaurants, bars, and shops. Currently operating as an Airbnb, this property is ideal for a primary residence, short-term rental, or long-term investment. Don't miss this one.This is an Airbnb next available showing Tues 7/28.

Getting Around

54
WalkingSomewhat Walkable
35
TransitSome Transit
74
BikeVery Bikeable

Schools

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

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Fiber Cement

Type & Style

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

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Electric Water Heater,Free-Standing Electric Range,Microwave
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Washer Hookup

Basement

  • Basement: None

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Double Vanity,High Ceilings,Open Floorplan,Pantry,Tub/shower Combo,En Suite
  • Window features: Insulated Windows,Vinyl Frames
  • Flooring: Hardwood,Tile,Vinyl
  • Finished area above ground: 1,464

Heating & Cooling

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

Interior Area

  • Total structure area: 1,464
  • Total interior livable area: 1,464 sqft

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 146i E 020 C001

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Deck,Patio,Porch
  • Exterior features: None

Lot

  • Features: Level
  • Lot size dimensions: 0

Parking

  • Parking features: Kitchen Level

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 $2,174$26,088
Home Insurance $158$1,896
Property Taxes $492$5,904
Electricity $175$2,103
Total$2,999$35,988

Income You'd Need if You Spent...

35% on housing$102,822/yr
40% on housing$89,970/yr
45% on housing$79,973/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

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 37408$227
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
2026-07-13Listed for sale$430,000

For Sale by Agent

AgentJohn Foreman
BrokerageKeller Williams Realty

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