149 S Church St, Sparta, TN, 38583
About This Home
Owner Financing $34K down; $818.49/mo. 5%APR, 25 year amortization period. Home oriented to south for winter solar infiltration. Fireplace is a push-button natural gas fired cast iron unit, Not a wood stove. Supplement wall heater as well. AC presently wall unit. Central AC/heat possible. Closing targeted for August '26, but could happen sooner. Some buyers want to lock in a replacement residence before selling what they have. This financial arrangement allows that possibility. More pics and info available upon request.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Roof: Metal
- Construction materials: Frame,Aluminum Siding,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Cottage
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Disposal,Dryer,Refrigerator,Microwave,Oven,Washer
Basement
- Has basement: Yes
- Basement: Slab
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Flooring: Stone
- Number of fireplaces: 1
- Fireplace features: Propane Stove
- Fireplace: Yes
- Finished area above ground: 600
Heating
- Heating features: Electric
Interior Area
- Total structure area: 600
- Total interior livable area: 600 sqft
Kitchen
- Features: Open,Tile Counters
Property
Details
- Lease amount: 0
Features
- Stories: 1
- Waterbody name: Calfkiller River
- Frontage length: 0
Lot
- Lot size: 0.38 Acres
Parking
- Total spaces: 1
- Parking features: Detached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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 | $879 | $10,548 |
| Home Insurance | $95 | $1,140 |
| Property Taxes | $63 | $756 |
| Electricity | $175 | $2,103 |
| Total | $1,212 | $14,544 |
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 |
|---|---|---|
| 2026-02-14 | Listed for sale | $174,000 |
For Sale by Agent
View on Zillow