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905 Cumberland St, Harriman, TN, 37748

2beds
1baths
1,249sqft
$209,900
$168price/sqft
$1,726/moest. monthly cost
$69,040/yrincome needed

About This Home

1st time on the market! This home offers timeless appeal, great bones, and plenty of potential to make it your own. The primary bedroom has been expanded for added space. Inside, you'll find hardwood flooring, a comfortable living area, 2 sitting rooms. The home also includes a dedicated laundry room. Exterior features include a generous sized back yard, partial covered front porch, and a back deck/porch for outdoor enjoyment. Basement area w/ concrete pad provides additional storage or workspace options. Located in a well-established neighborhood, this property is conveniently close to city schools, parks, community center, local churches, and just minutes from downtown Harriman with its local events and small-town charm. Home is being sold as is. A great opportunity for a first-time buyer or anyone looking for a starter home in a convenient location.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
Bowers Elementary SchoolGrades PK-51.8 mi
6/10
Harriman Middle SchoolGrades 6-80.1 mi
5/10
Harriman High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1950

Materials

  • Construction materials: Vinyl Siding,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Refrigerator,Self Cleaning Oven,Washer

Basement

  • Basement: Crawl Space,Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Other,Carpet
  • Fireplace features: None

Heating & Cooling

  • Heating features: Central,Natural Gas,Electric
  • Cooling features: Other,Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 1,249
  • Total interior livable area: 1,249 sqft

Property

Details

  • Parcel number: 026D F 02100 000

Features

  • Has view: Yes
  • View description: City

Lot

  • Lot size: 6,098 sqft
  • Features: Level

Parking

  • Parking features: Off Street,Main Level

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 WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Inland Flooding
Tornado
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 $1,061$12,732
Home Insurance $125$1,500
Property Taxes $365$4,380
Electricity $175$2,103
Total$1,726$20,712

Income You'd Need if You Spent...

35% on housing$59,177/yr
40% on housing$51,780/yr
45% on housing$46,026/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: 8.1%
8.1%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 37748$133
Roane County$167

vs Homes Sold Last Month

Median $/sqft

ZIP 37748$165
Roane County$178

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)

Price History

DateEventPrice
2026-04-27Listed for sale$224,900

For Sale by Agent

AgentBrandy Catron
BrokerageColdwell Banker Jim Henry

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