2648 Churchill Downs Cir, Chattanooga, TN, 37421
About This Home
Nestled in the quiet, well-established Derby Downs neighborhood, this home offers the perfect blend of comfort and convenience. Known for its welcoming atmosphere, beautifully maintained homes, and easy access to parks, shopping, dining, everyday amenities, and local schools, Derby Downs is a wonderful place to call home. This inviting 4-bedroom, 2.5-bath residence offers generous living space, a functional floor plan, and a backyard designed for relaxing, entertaining, and making lasting memories with family and friends. Step inside to a welcoming two-story foyer with beautiful hardwood floors and an abundance of natural light. The spacious living room features a cozy brick gas fireplace and flows seamlessly into the kitchen and breakfast area, creating an ideal space for everyday living and entertaining. The kitchen combines style and function with granite countertops, custom cabinetry, stainless steel appliances, and a pantry. The main level also offers a flexible room that's perfect for a home office, playroom, or guest room. In addition, there is a formal dining room that could also serve as a keeping room or second living area. A mudroom, laundry room, and convenient half bath complete the main floor. Upstairs, you'll find three additional bedrooms, including a spacious primary suite with a walk-in closet and private bath. A second full bath and a large bonus room offer endless possibilities as a media room, playroom, home gym, hobby space, or a possible fifth bedroom if desired. The backyard is where this home truly shines. The fully fenced outdoor space is thoughtfully designed for both relaxation and entertaining, featuring an in-ground pool, a spacious patio for grilling and gatherings, a hot tub tucked beneath a pergola, and a fire pit perfect for enjoying cool evenings. Offering spacious living areas, flexible spaces to fit your lifestyle, and an outdoor retreat you'll enjoy year-round, this Derby Downs home is ready to welcome its next owners. Conveniently located near shopping, dining, parks, and major commuter routes, it combines everyday comfort with exceptional convenience. Schedule your private showing today!
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Foundation: Block
- Roof: Shingle
- Construction materials: Brick,Other,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Dishwasher,Electric Range,Free-Standing Electric Range,Gas Water Heater,Microwave,Refrigerator,Stainless Steel Appliance(s)
- Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room,Washer Hookup
Basement
- Basement: Crawl Space
Bathroom
- Level: Second
Bathroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Level: First
Features
- Double Vanity,Granite Counters,High Ceilings,High Speed Internet,Open Floorplan,Pantry,Walk-In Closet(s),Separate Shower,Tub/shower Combo,Breakfast Nook,Separate Dining Room,Whirlpool Tub,Connected Shared Bathroom
- Window features: Insulated Windows
- Flooring: Carpet,Hardwood,Tile
- Number of fireplaces: 1
- Fireplace features: Gas Log,Living Room
- Fireplace: Yes
- Finished area above ground: 2,845
Heating & Cooling
- Heating features: Central,Natural Gas
- Cooling features: Central Air,Electric,Multi Units
Interior Area
- Total structure area: 2,845
- Total interior livable area: 2,845 sqft
Laundry
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: Second
Office
- Level: First
Other
- Level: First
Property
Details
- Parcel number: 138e B 022
Features
- Levels: Two
- Stories: 2
- Pool features: In Ground
- Patio & porch: Deck,Patio,Porch
- Exterior features: Fire Pit
- Spa features: Above Ground
- Fencing: Fenced
Lot
- Lot size: 0.29 Acres
- Features: Level
- Lot size dimensions: 90.58 x 138.0
Parking
- Total spaces: 2
- Parking features: Garage,Garage Door Opener,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
- Cold Wave
- Earthquake
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
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 | $2,654 | $31,848 |
| Home Insurance | $174 | $2,088 |
| Property Taxes | $617 | $7,404 |
| Electricity | $231 | $2,773 |
| Total | $3,676 | $44,112 |
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 |
|---|---|---|
| 2026-07-28 | Price change | $525,000 |
| 2026-07-22 | Price change | $549,000 |
| 2026-07-09 | Listed for sale | $565,000 |
| 2021-01-08 | Sold | $375,000 |
| 2021-01-08 | Pending sale | $375,000 |
| 2020-12-24 | Contingent | $375,000 |
| 2020-12-09 | Pending sale | $375,000 |
| 2020-12-08 | Listed for sale | $375,000 |
| 2017-04-28 | Sold | $310,000 |
| 2017-03-16 | Pending sale | $325,000 |
| 2017-02-23 | Listed for sale | $325,000 |
| 2002-11-01 | Sold | $227,800 |
| 1998-04-21 | Sold | $210,000 |
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