120 Gaines St, Sparta, TN, 38583
About This Home
UNIQUE PROPERTY! This 3- Bedroom 2- Bath Home with a bonus room for an office is located in the heart of Sparta. Also with this property is a commercial building that is attached to the home and entrance is located on a main road. The business that is in the commercial building currently rents for $1,000 a month. Buyers can select to start their own business or continue with existing business. Just listed for $459,000
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1946
Materials
- Roof: Metal
- Construction materials: Wood Siding,Vinyl Siding,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Oven,Refrigerator,Electric Range,Microwave,Electric Water Heater
- Laundry features: Main Level
Basement
- Basement: Other
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- New Floor Covering,Ceiling Fan(s)
- Window features: Double Pane Windows
- Number of fireplaces: 1
- Fireplace features: One,Wood Burning,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Wood,Other
- Cooling features: Other
Interior Area
- Total structure area: 2,271
- Total interior livable area: 2,271 sqft
Property
Details
- Parcel number: 013.00
Features
- Levels: Two
- Patio & porch: Covered,Deck
- Has view: Yes
- View description: No Water Frontage View Description
- Water view: No Water Frontage View Description
- Waterfront features: No Water Frontage View Description
Lot
- Lot size: 8,015 sqft
- Features: Irregular Lot,Views,Trees
- Lot size dimensions: 80 x 100
Parking
- Parking features: Concrete,None
- Has uncovered spaces: Yes
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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Inland Flooding
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 | $2,320 | $27,840 |
| Home Insurance | $252 | $3,024 |
| Property Taxes | $737 | $8,844 |
| Electricity | $184 | $2,214 |
| Total | $3,493 | $41,916 |
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 $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-16 | Listed for sale | $459,000 |
| 2012-11-01 | Sold | $65,000 |
View on Zillow