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204 Woodrow Ave, Chattanooga, TN, 37415

5beds
3baths
2,295sqft
$500,000
$218price/sqft
$3,134/moest. monthly cost
$125,360/yrincome needed

About This Home

Welcome to 204 Woodrow Avenue, a storybook cottage tucked between Hixson and North Chattanooga, just 12 minutes from downtown. This charming home offers the rare combination of a four bedroom, two bath, 1909 sq. ft. main house plus a detached garage with a fully equipped 380 sq. ft. ADU above, complete with its own bedroom, bath, kitchen, and living space. Whether you are looking for multigenerational living, guest quarters, or rental potential, this property gives you options. From the moment you arrive, the curb appeal stands out. The classic cottage exterior, welcoming porch swing, and thoughtful landscaping set the tone for what is inside. Step through the front door and you are greeted by a warm, inviting living room where two windows frame a beautifully detailed brick fireplace that feels both timeless and unique. An open archway leads into the dedicated dining space, which flows seamlessly into the kitchen. The kitchen blends classic charm with modern updates, featuring white cabinetry, granite countertops, and a peninsula with additional storage. White subway tile extends all the way to the ceiling, creating a crisp backdrop, while a soft sea green accent color adds personality. Built-in shelving offers the perfect place to display favorite pieces. The main level also includes a bedroom and a beautifully styled shared bath with wainscoting, white hex tile floors, and black accents that echo the tiled shower. Upstairs, you will find three additional bedrooms, each filled with natural light and character, along with a second full bath with a tub and shower combination. Above the detached garage, the ADU provides a private retreat with a comfortable living and dining area, kitchen, spacious bedroom, full bath, and its own washer and dryer. Outside, a covered patio creates a cozy space for entertaining, and the backyard offers room to play, garden, or simply relax, with raised beds already in place. This is a home with heart, flexibility, and a location that is hard to beat. Local lenders are preferred. Schedule your showing today!

Getting Around

51
WalkingSomewhat Walkable
0
TransitNo Nearby Transit
17
BikeSomewhat Bikeable

Schools

5/10
5/10
Red Bank Middle SchoolGrades 6-81.1 mi
5/10
Red Bank High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1938

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Other

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Free-Standing Gas Range,Free-Standing Electric Range,Gas Range,Gas Water Heater,Microwave,Refrigerator,Tankless Water Heater
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Level: First

Family Room

  • Level: First

Features

  • Ceiling Fan(s),Walk-In Closet(s),Tub/shower Combo,Separate Dining Room
  • Window features: Storm Window(s),Wood Frames
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,289

Heating & Cooling

  • Heating features: Central,Electric,Natural Gas
  • Cooling features: Central Air,Electric,Window Unit(s)

Interior Area

  • Total structure area: 2,295
  • Total interior livable area: 2,295 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Property

Details

  • Parcel number: 109j D 003

Features

  • Levels: One and One Half
  • Patio & porch: Covered,Deck,Patio
  • Exterior features: Private Yard,Rain Gutters
  • Fencing: Back Yard,Full

Lot

  • Lot size: 0.28 Acres
  • Features: Level,Split Possible
  • Lot size dimensions: 60 x 206

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Tornado

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 $2,528$30,336
Home Insurance $162$1,944
Property Taxes $258$3,096
Electricity $186$2,237
Total$3,134$37,608

Income You'd Need if You Spent...

35% on housing$107,451/yr
40% on housing$94,020/yr
45% on housing$83,573/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

$218This listing

vs Other Active Listings

Avg $/sqft

ZIP 37415$166
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37415
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-13Price change$500,000
2026-02-26Listed for sale$525,000
2015-10-10Listing removed$134,900
2015-10-07Listed for sale$134,900
2015-09-30Sold$134,900
2015-06-12Price change$134,900
2015-03-10Listed for sale$149,000
2013-03-14Listing removed$875
2013-03-12Listed for rent$875
2002-09-23Sold$108,500

For Sale by Agent

AgentAshley K Burns
BrokerageReal Estate Partners Chattanooga LLC

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