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4776 Virginia Pine Rd, Signal Mountain, TN, 37377

3beds
3baths
2,934sqft
$974,900
$332price/sqft
$6,239/moest. monthly cost
$249,560/yrincome needed

About This Home

Looking for a spacious and thoughtfully designed home that perfectly balances comfort, style, and functionality? This beautiful three-bedroom, 2.5-bath residence is an exceptional find, offering a master suite conveniently located on the main floor--ideal for those who value privacy and ease of access. The master suite features ample closet space and a luxurious en-suite bathroom, creating a serene retreat after a long day. Step inside to discover an inviting office space, perfect for remote work or study, and a formal dining room designed to accommodate all your entertaining needs, whether hosting intimate dinners or festive holiday gatherings. Upstairs, you'll find two generously sized bedrooms that share a well-appointed full bathroom, providing plenty of room for family members or guests. The large loft area serves as a versatile living space, perfect for a playroom, media center, or additional lounge area. Adjacent to the loft is a flexible bonus room that can be customized to suit your lifestyle--whether you envision a home gym, craft room, or extra storage space, the possibilities are endless. The heart of the home is the spacious kitchen, featuring a large prep pantry that makes cooking and meal preparation a breeze. High-quality appliances, ample counter space, and thoughtfully designed cabinetry ensure that every culinary endeavor is enjoyable and efficient. Well-appointed windows throughout the home flood the interior with natural light and offer serene views of your private backyard, creating a peaceful atmosphere for relaxation and outdoor entertaining. Over 52% of the land here at Wild Ridge will remain untouched, now and forever. Wild Ridge borders a 51-acre park, The Preserve, previously established by the developer. And the entire neighborhood is buffered from the main road by an additional 4-acre natural park. So there's plenty of space to indulge in hiking, bird watching, mountain biking, photography and relaxation!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

8/10
Nolan Elementary SchoolGrades K-51.0 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Block
  • Construction materials: Cement Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Gas Cooktop,Wall Oven

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Fireplace: Yes
  • Finished area above ground: 2,934

Interior Area

  • Total structure area: 2,934
  • Total interior livable area: 2,934 sqft

Property

Details

  • Parcel number: 089i L 003

Features

  • Exterior features: None

Lot

  • Lot size dimensions: 0

Parking

  • Total spaces: 2
  • Parking features: Concrete,Driveway,Garage Door Opener,Garage Faces Front
  • 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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Lightning
Strong Wind
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 $4,929$59,148
Home Insurance $238$2,856
Property Taxes $834$10,008
Electricity $238$2,860
Total$6,239$74,868

Income You'd Need if You Spent...

35% on housing$213,908/yr
40% on housing$187,170/yr
45% on housing$166,373/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: 7.7%
7.7%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 37377$290
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37377
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-09Listed for sale$997,560

New Construction

AgentLori Montieth
BrokerageKeller Williams Realty

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