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21 Oliver Ct, Signal Mountain, TN, 37377

3beds
3baths
1,974sqft
$699,000
$354price/sqft
$4,774/moest. monthly cost
$190,960/yrincome needed

About This Home

Discover the charm of Westfield Condominiums in Signal Mountain, where comfort meets style. Step inside to find gleaming hardwood floors and classic plantation shutters. The main-level primary suite offers a tranquil retreat with a beautifully updated bath, elegant tile, and generous closet space. Gather in the inviting family room with its cozy fireplace, seamlessly connected to a stunning, fully renovated kitchen featuring stainless steel appliances and a spacious island perfect for casual meals or lively gatherings. Enjoy your morning coffee or unwind in the evening on the private patio overlooking a peaceful pond. The main floor also boasts a formal dining room, a stylish powder room, and a conveniently placed laundry closet. Upstairs, two additional bedrooms, a versatile sitting area, and a large unfinished space await your imagination--ideal for a home office, creative studio, or extra storage. With a two-car attached garage and included stainless appliances, this home is move-in ready. Enjoy easy access to local shops, restaurants, the community center, and emergency services, all just moments away. Buyer is responsible to do their own due diligence and verify and all information to correct and accurate including square footage, school zone, lot size and any other information deemed important.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

9/10

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 1997

Materials

  • Foundation: Slab
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: Condo
  • Architectural style: Other
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Electric Cooktop,Electric Oven,Electric Range,Free-Standing Gas Range,Microwave,Oven,Refrigerator,Range Hood,Washer/Dryer,Washer/Dryer Stacked
  • Laundry features: Laundry Closet,In Hall,Main Level

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Breakfast Bar,Ceiling Fan(s),Granite Counters,High Ceilings,Open Floorplan,Pantry,Primary Downstairs,En Suite,Separate Dining Room
  • Window features: Bay Window(s),Plantation Shutters,Window Coverings
  • Flooring: Carpet,Ceramic Tile,Engineered Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Den,Gas Log
  • Fireplace: Yes
  • Finished area above ground: 1,974

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,974
  • Total interior livable area: 1,974 sqft

Property

Details

  • Parcel number: 108h C 005 C012
  • Special condition: Trust

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio
  • Exterior features: Awning(s),Smart Lock(s)
  • Fencing: None
  • Waterfront features: Pond

Lot

  • Features: Level,Pond on Lot
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Faces Front,Kitchen Level
  • 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
    TornadoVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Tornado
Lightning
Strong Wind
Winter Weather
Cold Wave
Earthquake
Inland Flooding
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 $3,534$42,408
Home Insurance $238$2,856
Property Taxes $827$9,924
Electricity $175$2,103
Total$4,774$57,288

Income You'd Need if You Spent...

35% on housing$163,680/yr
40% on housing$143,220/yr
45% on housing$127,306/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$354This listing

vs Other Active Listings

Avg $/sqft

ZIP 37377$290
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37377
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-02Price change$699,000
2026-03-27Listed for sale$720,000
2026-03-24Contingent$720,000
2026-03-24Pending sale$720,000
2026-03-21Contingent$720,000
2026-03-19Listed for sale$720,000
2020-12-11Sold$349,000
1997-07-08Sold$189,211

For Sale by Agent

AgentKristy Bowman
BrokerageReal Estate Partners Chattanooga LLC

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