2095 Church St NE, Cleveland, TN, 37311
About This Home
Just minutes from Lee University and right in the heart of downtown Cleveland, this beautifully updated 5-bedroom, 3-bath property offers the perfect blend of historic character, modern upgrades, and incredible income-producing potential. Whether you're looking for a primary residence, student housing opportunity, multigenerational setup, or short-term rental investment, 2095 Church Street NE delivers flexibility and value in one of Cleveland's most convenient locations. From the moment you arrive, you'll appreciate the home's timeless curb appeal, metal roof, updated exterior finishes, and inviting front porch. Inside, the home is filled with warmth and personality featuring gorgeous hardwood floors, distinctive lighting, crown molding, and thoughtfully designed spaces throughout. The living room centers around a stunning tiled fireplace with an elegant wood mantle, creating the perfect cozy gathering space. French doors lead into a beautifully redesigned kitchen that feels straight out of a magazine. Highlights include quartz countertops, butcher block island, stainless steel appliances, brick accents, open shelving, sleek cabinetry, deep single-basin sink, tile flooring, and a charming eat-in dining area flooded with natural light. The main level features two guest bedrooms and a full bath, while the spacious primary suite offers a true retreat with a custom accent wall, modern fixtures, frosted glass barn door, walk-in closet, and stylish ensuite bath complete with double vessel sinks and updated finishes. Upstairs, you'll find two additional bedrooms with charming gabled ceilings and hardwood flooring that add even more character to the home. One of the standout features of this property is the detached/additional living space offering exceptional flexibility and income potential. Previously utilized as both long-term and short-term rental space, the accessory unit includes a kitchenette with granite countertops, sink, dishwasher, and refrigerator along wit
Getting Around
Somewhat Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1940
Materials
- Construction materials: Frame,Vinyl Siding,Other,Brick
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Microwave,Range,Refrigerator
- Laundry features: Washer Hookup,Electric Dryer Hookup
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 3
Features
- Ceiling Fan(s)
- Flooring: Wood,Laminate,Tile
- Number of fireplaces: 1
- Fireplace: Yes
- Finished area above ground: 1,899
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Wall/Window Unit(s),Central Air,Ceiling Fan(s)
Interior Area
- Total structure area: 1,899
- Total interior livable area: 1,899 sqft
Property
Details
- Parcel number: 049E F 00600 000
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck
- Has view: Yes
- View description: City
- Topography of land: Level
Lot
- Lot size: 6,969 sqft
- Features: 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
- Cold Wave
- Earthquake
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters Across Tennessee Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,219 | $26,628 |
| Home Insurance | $271 | $3,252 |
| Property Taxes | $479 | $5,748 |
| Electricity | $175 | $2,103 |
| Total | $3,144 | $37,728 |
Income You'd Need if You Spent...
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-18 | Price change | $429,000 |
| 2026-06-25 | Price change | $439,000 |
| 2026-05-28 | Listed for sale | $449,000 |
| 2026-05-01 | Listing removed | $455,900 |
| 2025-10-30 | Listed for sale | $455,900 |
| 2025-10-01 | Listing removed | $478,900 |
| 2025-07-07 | Price change | $478,900 |
| 2025-04-29 | Listed for sale | $488,900 |
| 2023-03-08 | Sold | $305,000 |
| 2014-04-21 | Sold | $115,000 |
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