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1092 Charles Thomas Dr, Clarksville, TN, 37042

5beds
3baths
2,152sqft
$365,000
$170price/sqft
$2,405/moest. monthly cost
$96,200/yrincome needed

About This Home

Welcome to this beautifully maintained 5-bedroom home built in 2021, offering the perfect blend of space, function and style - all at an incredible value! With over 2,100 square feet, this floor plan features a thoughtfully designed layout, including a main-level bedroom - ideal for guests, a home office, or multi-generational living. Upstairs, you’ll find four additional spacious bedrooms and a huge laundry room conveniently located near them (no more hauling laundry up and down stairs). The heart of the home is the open living area, complete with a cozy fireplace and plenty of room to gather. The kitchen delivers exactly what Buyers want - ample cabinet storage, generous counter space and room for a full-size dining table, making it perfect for everyday living and entertaining. Upstairs, the primary suite offers a relaxing retreat with a separate tub and shower, giving that little touch of everyday luxury. And then there’s the outdoor space - step outside to a covered deck overlooking a fully fenced backyard, ideal for pets, hosting, or just unwinding in your own private space. Located in a highly sought-after neighborhood, this home checks all the boxes: space, layout, upgrades and value. Close to Fort Campbell, shopping and dining! VA assumption opportunity with a 2.5% interest rate

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

6/10
Pisgah ElementaryGrades PK-50.6 mi
5/10
Northeast Middle SchoolGrades 6-82.5 mi
5/10
Northeast High SchoolGrades 9-122.3 mi

Construction

Condition

  • Year built: 2020

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Oven,Electric Range,Dishwasher,Disposal,Microwave,Refrigerator,Stainless Steel Appliance(s)

Basement

  • Basement: Crawl Space

Bedroom1

  • Features: Full Bath
  • Level: Full Bath
  • Area: 256
  • Dimensions: 16x16

Bedroom2

  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Area: 110
  • Dimensions: 11x10

Bedroom4

  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Features: Combination
  • Level: Combination
  • Area: 156
  • Dimensions: 13x12

Features

  • Ceiling Fan(s),Open Floorplan,Pantry,Walk-In Closet(s)
  • Flooring: Carpet,Laminate,Tile
  • Fireplace features: Living Room
  • Finished area above ground: 2,152

Heating & Cooling

  • Heating features: Central,Propane
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,152
  • Total interior livable area: 2,152 sqft

Kitchen

  • Features: Pantry
  • Level: Pantry
  • Area: 80
  • Dimensions: 10x8

Living Room

  • Area: 240
  • Dimensions: 16x15

Master Bathroom

  • Features: Primary Bedroom
  • Level: Primary Bedroom

Other

  • Features: Bedroom 5
  • Level: Bedroom 5
  • Area: 210
  • Dimensions: 15x14

Property

Details

  • Parcel number: 063018F J 01700 00002018
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Covered,Porch
  • Fencing: Privacy
  • Topography of land: Level

Lot

  • Lot size: 6,969 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Front
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Tornado
Hail
Heat Wave
Inland Flooding
Ice Storm
Strong Wind

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 $1,845$22,140
Home Insurance $200$2,400
Property Taxes $185$2,220
Electricity $175$2,103
Total$2,405$28,860

Income You'd Need if You Spent...

35% on housing$82,457/yr
40% on housing$72,150/yr
45% on housing$64,133/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$170This listing

vs Other Active Listings

Avg $/sqft

ZIP 37042$140
Montgomery County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 37042$179
Montgomery County$183

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)

Price History

DateEventPrice
2026-05-07Listed for sale$365,000
2021-01-15Sold$265,000

For Sale by Agent

AgentPatrycja Ellens
BrokerageKeller Williams Realty Clarksville

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