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109 Florence St, Camden, TN, 38320

3beds
2baths
1,408sqft
$99,000
$70price/sqft
$952/moest. monthly cost
$38,080/yrincome needed

About This Home

GREAT STARTER HOME THAT IS VERY ROOMY. THIS HOME OFFERS A GREAT BACK YARD AND A NICE SIDE DECK FOR GRILLING AND A FRONT COVER PORCH FOR RELAXING , THIS HOME HAS A DOUBLE DETACHED CARPORT AND PLENTY OF PARKING WITH 2 DRIVEWAYS. THE HOME DOES NEED A LITTLE TLC AND SOME PAINT BUT COULD BE MADE SO CUTE, LOCATED CLOSING TO SCHOOLS AND SHOPPING. ALL MEASUREMENTS ARE ESTIMATED . CASH OR CONVENTIONAL LOAN SELLING "AS IS".

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
Camden Elementary SchoolGrades PK-20.4 mi
6/10
6/10

Construction

Condition

  • Year built: 1988

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Farm
  • Property subType: Residential

Interior

Appliances

  • Appliances included: None
  • Laundry features: Washer/Dryer Hookup,Main Level

Basement

  • Area: 0

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main
  • Area: 123.3

Bedroom3

  • Level: Main
  • Area: 133.38

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 160

Features

  • Door features: Storm Door(s)
  • Window features: Storm Window(s)
  • Flooring: Carpet,Tile,Laminate
  • Attic: Access Only

Heating & Cooling

  • Heating features: Central Gas/Natural
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,408
  • Total interior livable area: 1,408 sqft

Kitchen

  • Level: Main
  • Area: 160

Living Room

  • Level: Main
  • Area: 292.94

Master Bedroom

  • Level: Main
  • Area: 162.63

Property

Details

  • Parcel number: 005.00

Features

  • Levels: One
  • Patio & porch: Front Porch,Side Porch,Deck,Covered Porch
  • Exterior features: Garden,Storage
  • Fencing: None

Lot

  • Features: City Lot
  • Lot size dimensions: 107 x 128 x 106 x 128

Parking

  • Total spaces: 2
  • Parking features: Double Detached Carport
  • 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 WaveVery High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Lightning
Strong Wind
Tornado
Winter Weather
Heat Wave

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 $500$6,000
Home Insurance $87$1,044
Property Taxes $190$2,280
Electricity $175$2,103
Total$952$11,424

Income You'd Need if You Spent...

35% on housing$32,640/yr
40% on housing$28,560/yr
45% on housing$25,386/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: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$70This listing

vs Other Active Listings

Avg $/sqft

ZIP 38320$183
Benton County$177

vs Homes Sold Last Month

Median $/sqft

ZIP 38320
Benton County$211

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
2026-07-27Price change$99,000
2026-07-20Pending sale$124,900
2026-07-16Listed for sale$124,900
2016-02-24Sold$500
1997-02-14Sold$43,500

For Sale by Agent

AgentTonya Cooper
BrokeragePatriot Realty USA, Camden LLC

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