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118 Matt Cir SE, Cleveland, TN, 37323

2beds
1baths
816sqft
$194,900
$239price/sqft
$1,530/moest. monthly cost
$61,200/yrincome needed

About This Home

Ideal for: First-time homebuyers looking for a turnkey property, downsizers wanting a manageable layout, or anyone seeking a high-quality, low-maintenance lifestyle. With its compact footprint, utility bills are remarkably low, and cleaning is an absolute breeze. This property proves that you don't need massive acreage to have a beautiful, high-functioning place to call home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

5/10
Taylor Elementary SchoolGrades PK-51.4 mi
4/10
4/10

Construction

Condition

  • Year built: 1987

Materials

  • Foundation: Block
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Electric Water Heater,Microwave,Refrigerator,Washer/Dryer
  • Laundry features: Laundry Closet,In Hall

Basement

  • Basement: Crawl Space

Bathroom

  • Level: First

Bedroom

  • Level: First

Bedrooms & Bathrooms

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

Features

  • Window features: Insulated Windows
  • Flooring: Carpet,Vinyl
  • Finished area above ground: 816

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 816
  • Total interior livable area: 816 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: First

Property

Details

  • Parcel number: 067g A 011.00

Features

  • Levels: One
  • Patio & porch: Deck,Front Porch
  • Exterior features: Rain Gutters

Lot

  • Lot size: 0.39 Acres
  • Lot size dimensions: 90 x 193 x 80 x 159

Parking

  • Parking features: Concrete,Driveway

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

  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Earthquake
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 $985$11,820
Home Insurance $93$1,116
Property Taxes $277$3,324
Electricity $175$2,103
Total$1,530$18,360

Income You'd Need if You Spent...

35% on housing$52,457/yr
40% on housing$45,900/yr
45% on housing$40,800/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: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$239This listing

vs Other Active Listings

Avg $/sqft

ZIP 37323$152
Bradley County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 37323$184
Bradley County$173

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
2026-08-08Price change$189,900
2026-07-19Price change$194,900
2026-06-19Listed for sale$199,900
2015-11-23Sold$75,000
2015-10-09Listed for sale$74,900
2002-04-11Sold$73,900
2001-10-25Sold$50,819

For Sale by Agent

AgentJudy Digennaro
BrokerageK W Cleveland

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