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2003 Clearfield Ln, Chattanooga, TN, 37405

3beds
3baths
2,040sqft
$550,000
$270price/sqft
$3,819/moest. monthly cost
$152,760/yrincome needed

About This Home

Wow! Convenient, secure, and low-maintenance living at its finest! This gorgeous condo offers peaceful pond and fountain views from the private deck, living room, and primary bedroom. The current owner has thoughtfully upgraded the home with new hardwood floors, refinished kitchen cabinets, fresh interior paint, and a finished upstairs loft that serves as a third bedroom (no closet). Located in the highly desirable Heritage Landing community, residents enjoy a gated, single-entrance neighborhood with 24/7 security, two swimming pools, clubhouse, tennis courts, scenic ponds, and beautifully maintained grounds. The HOA covers landscaping, irrigation, exterior maintenance and repairs, exterior insurance, and even conducts semi-annual crawl space inspections to ensure it remains dry. The siding and the roof were also replaced just two years ago. The new owner will only need interior (studs-in) condo insurance. Zoned for excellent schools and ideally situated just 3 minutes from the shops and restaurants of Northshore, with the added bonus of being within walking distance to Coolidge Park. This exceptional home won't last long. Schedule your private showing today!

Getting Around

15
WalkingCar-Dependent
35
TransitSome Transit
39
BikeSomewhat Bikeable

Schools

5/10
Red Bank High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 1993

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: HardiPlank Type,Synthetic Stucco

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Convection Oven,Disposal,Dishwasher,Free-Standing Electric Range,Gas Water Heater,Microwave,Refrigerator,Stainless Steel Appliance(s),Wine Refrigerator
  • Laundry features: Laundry Closet,Main Level

Bathroom

  • Level: Second

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • Breakfast Bar,Ceiling Fan(s),Central Vacuum,Eat-in Kitchen,Granite Counters,High Ceilings,Kitchen Island,Recessed Lighting,Soaking Tub,Walk-In Closet(s),Separate Shower,En Suite,Breakfast Nook,Separate Dining Room
  • Window features: Wood Frames
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,040

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,040
  • Total interior livable area: 2,040 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Master Bedroom

  • Level: Second

Other

  • Level: First

Property

Details

  • Parcel number: 136h J 038 C177

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Community,Heated,In Ground
  • Patio & porch: Deck,Patio
  • Exterior features: Smart Irrigation
  • Has view: Yes
  • View description: Pond
  • Has water view: Yes
  • Water view: Pond
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Features: Level,Pond on Lot,Sprinklers In Front,Sprinklers In Rear,Views
  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Garage,Garage Door Opener,Garage Faces Side,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
    TornadoRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Lightning
Strong Wind
Winter Weather

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 $2,781$33,372
Home Insurance $216$2,592
Property Taxes $647$7,764
Electricity $175$2,103
Total$3,819$45,828

Income You'd Need if You Spent...

35% on housing$130,937/yr
40% on housing$114,570/yr
45% on housing$101,840/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

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 37405$241
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37405
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-16Price change$599,000
2026-03-26Listed for sale$615,000
2020-01-17Sold$300,000
2019-11-02Price change$355,000
2019-09-16Price change$359,900
2019-08-13Listed for sale$380,000
2014-02-18Sold$289,000
2013-11-01Price change$299,000
2013-09-11Listed for sale$329,000
2013-03-04Sold$2,200
2008-02-05Sold$320,000
2007-06-11Sold$295,000
1995-05-01Sold$212,400

For Sale by Agent

AgentIris Rodger
BrokerageKeller Williams Realty

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