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321 E Main St, Whiteville, TN, 38075

4beds
2baths
0sqft
$165,000
--price/sqft
$1,274/moest. monthly cost
$50,960/yrincome needed

About This Home

Back on the market through no fault of the seller! Selling AS IS, cash offers or conventional financing only. The main house features a flexible layout with 3 or 4 bedrooms and 2 full bathrooms spread across 1800 square feet, with classic oak hardwood floors upstairs and elegant bamboo flooring downstairs. The unfinished basement provides additional square footage for future expansion. The outdoor space is a true oasis, perfect for entertaining or relaxing. The large patio and gazebo are ideal for summer barbecues and gatherings, all set within a private backyard shaded by large, mature trees. The real bonus is the separate 350-square-foot studio apartment. Use it as a mother-in-law suite, a home office, or rent it out for additional income. The studio unit is complete with its own kitchen, a roof replacement in 2019, and electric and water. With two adjacent lots and a beautiful property, this sale offers an opportunity you won't want to miss.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

4/10
4/10
Central High SchoolGrades 9-129.5 mi

Construction

Condition

  • Year built: 1962

Materials

  • Construction materials: Masonry - Brick,Brick Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Microwave,Oven,Washer

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Hardwood,Tile,Vinyl
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area above ground: 1,787

Heating & Cooling

  • Heating features: Electric,Other
  • Cooling features: Central

Interior Area

  • Total structure area: 1,787

Kitchen

  • Features: Separate

Property

Details

  • Parcel number: 046L D 003.00
  • Lease amount: 0

Features

  • Stories: 1
  • Has view: Yes
  • View description: Street

Lot

  • Lot size: 0.68 Acres

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

  • Cold Wave
    Cold WaveVery High
  • Tornado
    TornadoVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Tornado
Earthquake
Heat Wave
Lightning
Strong Wind
Drought
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 $834$10,008
Home Insurance $186$2,232
Property Taxes $79$948
Electricity $175$2,103
Total$1,274$15,288

Income You'd Need if You Spent...

35% on housing$43,680/yr
40% on housing$38,220/yr
45% on housing$33,973/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -2.7%
-2.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 38075$94
Hardeman County$104

vs Homes Sold Last Month

Median $/sqft

ZIP 38075
Hardeman County$59

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-23Price change$150,000
2026-04-09Listed for sale$199,000
2026-03-20Contingent$199,000
2026-03-09Listed for sale$199,000
2026-02-09Listing removed$199,000
2025-10-02Price change$199,000
2025-09-11Price change$209,000
2025-08-29Price change$219,000
2025-08-19Listed for sale$225,000
2007-06-27Sold$94,000

For Sale by Agent

AgentDaniel Demers
BrokerageSell Your Home Services LLC

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