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104 Locust St, Liberty, TN, 37095

3beds
2baths
1,200sqft
$234,900
$196price/sqft
$1,578/moest. monthly cost
$63,120/yrincome needed

About This Home

Charming Renovated Home in the Heart of Liberty! Step into history with modern comfort at 104 Locus St, Liberty, TN — a beautifully renovated home originally built in 1922. This 3-bedroom, 1.5-bath home offers approximately 1,150 sq. ft. of living space filled with updates that make it truly move-in ready. Recent renovations include all-new windows, brand new flooring, and a new central unit, giving you style, comfort, and peace of mind for years to come. The thoughtful updates blend modern convenience with the character of this historic property. Inside, you’ll find three inviting bedrooms, a spacious living area perfect for family gatherings, and a convenient half bath in addition to the main full bath. Sitting on a large .50-acre corner lot, this home provides plenty of outdoor space for gardening, entertaining, or relaxing evenings on the porch. The expansive yard is ideal for children, pets, or simply enjoying small-town living. Located in Liberty, TN, this home offers the warmth of a tight-knit community while still being just a short drive to neighboring towns and amenities. With its combination of historic charm and modern updates, this property is ready for its next owner to move in and enjoy. Schedule your showing today and make this Liberty gem your new home!

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
6/10
5/10
Dekalb Middle SchoolGrades 6-86.8 mi

Construction

Condition

  • Year built: 1922

Materials

  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: None
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bedrooms: 3

Features

  • Flooring: Carpet,Laminate
  • Finished area above ground: 1,200

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,200
  • Total interior livable area: 1,200 sqft

Property

Details

  • Parcel number: 043K A 05300 000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Porch,Covered,Deck
  • Topography of land: Corner Lot

Lot

  • Lot size: 0.42 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 3
  • Parking features: Open
  • Has uncovered spaces: Yes
  • Uncovered spaces: 3

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Cold Wave
Lightning
Tornado
Winter Weather
Hail
Ice Storm

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 $1,187$14,244
Home Insurance $150$1,800
Property Taxes $66$792
Electricity $175$2,103
Total$1,578$18,936

Income You'd Need if You Spent...

35% on housing$54,102/yr
40% on housing$47,340/yr
45% on housing$42,080/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 7.0%
7.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 37095$83
DeKalb County$192

vs Homes Sold Last Month

Median $/sqft

ZIP 37095
DeKalb County$180

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
2026-04-02Listed for sale$234,900
2026-03-23Contingent$234,900
2025-11-13Price change$234,900
2025-09-03Listed for sale$249,900
1981-01-01Sold$14,000

For Sale by Agent

AgentSissy Fish
BrokerageBetter Homes and Gardens Real Estate Town & Lake

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