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13515 Main St, Somerville, TN, 38068

2beds
1baths
756sqft
$54,500
$72price/sqft
$541/moest. monthly cost
$21,640/yrincome needed

About This Home

Great location to build a small home. Walking distance from the Historic Somerville town square. Public utilities already in place. Low Fayette county taxes

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1940

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other (See Remarks)
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

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

Features

  • All Bedrooms Down,Square Feet Source: AutoFill (MAARdata) or Public Records (Cnty Assessor Site)

Heating & Cooling

  • Heating features: Natural Gas,Other (See REMARKS)
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 756 sqft

Property

Details

  • Parcel number: 077N 077N B00300

Features

  • Stories: 1
  • Pool features: None
  • Patio & porch: Porch

Lot

  • Lot size: 5,336 sqft
  • Features: Level
  • Lot size dimensions: 58 x 92 IRR

Parking

  • Parking features: Driveway/Pad
  • Has uncovered spaces: Yes

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

  • Earthquake
    EarthquakeRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Earthquake
Lightning
Tornado
Cold Wave
Drought
Heat Wave
Ice Storm
Strong Wind

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 $275$3,300
Home Insurance $30$360
Property Taxes $61$732
Electricity $175$2,103
Total$541$6,492

Income You'd Need if You Spent...

35% on housing$18,548/yr
40% on housing$16,230/yr
45% on housing$14,426/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: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 38068$142
Fayette County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 38068$165
Fayette County$174

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
2026-06-20Listed for sale$54,500

For Sale by Agent

AgentLisa A Stephens
BrokerageChamberwood Realty Group

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