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104 Division St, Normandy, TN, 37360

4beds
3baths
3,564sqft
$424,900
$119price/sqft
$2,836/moest. monthly cost
$113,440/yrincome needed

About This Home

Welcome to this beautifully reimagined home in the heart of Normandy, TN, offering a total of 3,564 sq ft of finished living space including a 1,782 sq ft main level and a fully finished 1,782 sq ft basement designed as its own private living quarters—ideal for an in-law suite, guest space, or potential rental opportunity. This home has been completely gutted to the studs and thoughtfully rebuilt, blending modern style with quality craftsmanship throughout. The main level features an open-concept floor plan filled with natural light, creating a seamless flow perfect for everyday living and entertaining. Downstairs, the expansive basement provides flexibility and privacy with its own living area, offering endless possibilities for multi-generational living or extended guests. Located just 5 minutes from Normandy Lake, this property is perfect for outdoor enthusiasts while still offering peaceful small-town living. Situated in the highly desired Cascade School District, this move-in-ready home delivers space, versatility, and location—all in one exceptional package. Receive a free appraisal and a 1% lender credit with use of preferred lender!

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

8/10
Cascade Elementary SchoolGrades PK-59.9 mi
7/10
Cascade Middle SchoolGrades 6-89.7 mi
8/10
Cascade High SchoolGrades 9-129.6 mi

Construction

Condition

  • Year built: 1964

Materials

  • Roof: Shingle
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Range,Dishwasher,Microwave,Refrigerator,Stainless Steel Appliance(s)
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Built-in Features,Ceiling Fan(s),Extra Closets,High Ceilings,In-Law Floorplan,Open Floorplan,Walk-In Closet(s)
  • Finished area below ground: 1,782
  • Finished area above ground: 1,782

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,564
  • Total interior livable area: 3,564 sqft

Master Bathroom

  • Features: Suite
  • Level: Suite

Property

Details

  • Parcel number: 095O B 00100 000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 1
  • Patio & porch: Patio,Covered,Porch

Lot

  • Lot size: 0.35 Acres
  • Lot size dimensions: 75 x 170

Parking

  • Total spaces: 2
  • Parking features: Attached
  • 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

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Tornado
Lightning
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 $2,148$25,776
Home Insurance $208$2,496
Property Taxes $191$2,292
Electricity $289$3,474
Total$2,836$34,032

Income You'd Need if You Spent...

35% on housing$97,234/yr
40% on housing$85,080/yr
45% on housing$75,626/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$119This listing

vs Other Active Listings

Avg $/sqft

ZIP 37360$90
Bedford County$186

vs Homes Sold Last Month

Median $/sqft

ZIP 37360$187
Bedford County$210

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
2026-03-31Listed for sale$549,900
2025-05-03Listing removed$169,900
2025-03-04Listed for sale$169,900
2025-02-24Contingent$169,900
2025-02-18Listed for sale$169,900
2024-05-01Sold$75,000
2024-03-23Pending sale$99,900
2024-03-21Listed for sale$99,900
2022-09-08Sold$10,000
2009-11-12Sold$42,900
2009-09-27Price change$49,000
2009-09-04Listed for sale--
2009-05-04Sold$73,950
2004-06-07Sold$117,100
2002-10-22Sold$71,000
2002-01-31Sold$61,625

For Sale by Agent

AgentTara Groce
BrokerageSouthern Elite Realty

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