109 Pine Cone Ln, Chattanooga, TN, 37415
About This Home
Welcome to 109 Pine Cone Lane, tucked away on a quiet cul-de-sac in a convenient Chattanooga location jut minutes from Hwy. 153, Hwy. 27, shopping, restaurants, and downtown. This spacious home offers approximately 2,968 square feet of living space with four bedrooms and two and a half baths. The main level features three bedrooms, two full bathrooms, a large family room, and a beautifully remodeled kitchen (2021) complete with granite countertops, a large center island, abundant cabinet space, and plenty of workspace. New flooring was installed throughout the main level in 2021, and the master bathroom was remodeled in 2025. Just off the kitchen, step outside to a large deck, added in 2020, with stairs leading to the backyard- an ideal space for relaxing, entertaining, or enjoying the peaceful setting. Upstairs, you'll find the fourth bedroom/bonus room offering endless possibilities for a guest room, teen suite, hobby room, or home office, along with an additional finished flex room that was completed in 2020, providing even more versatile living space. The finished walkout basement offers even more room to spread out, featuring a spacious recreation area with a gas log fireplace, a half bath, laundry closet, and direct access to the patio and backyard. Recent improvements to the basement include new drywall and fresh paint, creating a refreshed and inviting space for entertaining, a media room, playroom, home gym, or whatever best suits your lifestyle. Additional highlights include a large two-car garage with plenty of room for vehicles, storage, and workshop space. Major updates include a new roof installed in 2022, HVAC system installed in 2025, beautifully remodeled kitchen, and a new deck, all of which provide added peace of mind for years to come. Don't miss the opportunity to make this beautiful home your own.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1969
Materials
- Foundation: Block
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Free-Standing Electric Range,Microwave,Refrigerator
- Laundry features: In Basement,Laundry Closet,Electric Dryer Hookup,Gas Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Finished,Full
Bathroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Cooling
- Cooling features: Central Air,Electric,Window Unit(s)
Den
- Level: Basement
Family Room
- Level: First
Features
- Ceiling Fan(s),Entrance Foyer,Eat-in Kitchen,Granite Counters,Kitchen Island,Pantry,Primary Downstairs,Tub/shower Combo
- Window features: Aluminum Frames
- Flooring: Carpet,Luxury Vinyl
- Number of fireplaces: 1
- Fireplace features: Basement,Gas Log
- Fireplace: Yes
- Finished area above ground: 2,968
Interior Area
- Total structure area: 2,968
- Total interior livable area: 2,968 sqft
Kitchen
- Level: First
Master Bathroom
- Level: First
Master Bedroom
- Level: First
Other
- Level: Basement
Property
Details
- Parcel number: 090n B 026
Features
- Levels: One and One Half
- Pool features: None
- Patio & porch: Deck,Front Porch,Patio,Porch - Covered
- Exterior features: Fire Pit,Private Yard,Rain Gutters
- Fencing: Back Yard,Fenced,Partial
Lot
- Lot size: 0.33 Acres
- Features: Back Yard,Cul-De-Sac,Front Yard,Gentle Sloping,Level
- Lot size dimensions: 113.7 x 126.53
Parking
- Total spaces: 2
- Parking features: Basement,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Tornado
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
- Cold Wave
- Landslide
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 | $2,376 | $28,512 |
| Home Insurance | $162 | $1,944 |
| Property Taxes | $552 | $6,624 |
| Electricity | $241 | $2,893 |
| Total | $3,331 | $39,972 |
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 $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-03 | Price change | $469,900 |
| 2026-07-20 | Price change | $479,900 |
| 2026-06-26 | Listed for sale | $489,900 |
| 2014-12-22 | Sold | $170,000 |
| 2014-08-25 | Listed for sale | $175,000 |
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