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401 Horton Ln SE, Cleveland, TN, 37323

2beds
2baths
1,280sqft
$139,999
$109price/sqft
$1,141/moest. monthly cost
$45,640/yrincome needed

About This Home

''Located in South-east Bradley County just minutes from the Ocoee River and the beautiful Cherokee National Forest, This one-acre property is a fantastic investment opportunity. It features a 1997 two-bedroom, two-bath mobile home (405 Horton Lane) and a second mobile home (401 Horton Lane) currently used for storage, Each mobile home has a separate mailing address and are separately fenced. with two storage sheds. Perfect for investors looking to create rental income or simply enjoy a peaceful spot close to nature!''

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

4/10
4/10
4/10

Construction

Condition

  • Property condition: Fixer
  • Year built: 1997

Materials

  • Foundation: Permanent
  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Other
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Refrigerator,Range Hood
  • Laundry features: Laundry Closet

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Laminate Counters
  • Window features: Aluminum Frames,Double Pane Windows
  • Flooring: Luxury Vinyl,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,280

Heating & Cooling

  • Heating features: Central,Separate Meters
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,280
  • Total interior livable area: 1,280 sqft

Property

Details

  • Parcel number: 082 011.02
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck
  • Exterior features: Storage
  • Fencing: Chain Link,Fenced

Lot

  • Lot size: 0.95 Acres
  • Features: Level
  • Lot size dimensions: 119 x 350 x 119 x 346

Parking

  • Parking features: Gravel

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 $707$8,484
Home Insurance $67$804
Property Taxes $192$2,304
Electricity $175$2,103
Total$1,141$13,692

Income You'd Need if You Spent...

35% on housing$39,120/yr
40% on housing$34,230/yr
45% on housing$30,426/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

$109This 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)

No zestimate history available

Price History

DateEventPrice
2026-03-12Listed for sale$140,000
2026-02-24Pending sale$140,000
2026-02-24Contingent$140,000
2026-02-16Price change$140,000
2025-11-13Price change$149,000
2025-11-01Price change$155,000
2025-10-17Listed for sale$165,000
1999-08-13Sold$50,000
1997-09-26Sold$12,000

For Sale by Agent

AgentPat Gates
BrokerageK W Cleveland

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