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205 W Main St, Niota, TN, 37826

2beds
1baths
1,380sqft
$224,000
$162price/sqft
$1,508/moest. monthly cost
$60,320/yrincome needed

About This Home

Charming and full of character, this beautifully maintained 2-bedroom, 1-bath home sits on a flat, usable lot in the heart of Niota. The backyard is truly something special, featuring stunning, mature pecan trees that are over 100 years old...creating a peaceful and picturesque outdoor setting you don't find every day. Inside, the home has been well loved and thoughtfully cared for, offering a comfortable and inviting space ready for its next owner. Major updates provide peace of mind, including a roof that is less than 8 years old and a brand new HVAC system installed in 2026. Additional features include covered parking and attic access for extra storage, adding both convenience and functionality. Located in a quiet, small-town setting, this home offers the perfect balance of privacy and accessibility, with easy access to I-75 and a short drive to both Sweetwater and Athens. This is a rare opportunity to own a well-maintained home on a beautiful lot with timeless natural charm that is also a quick walk to the Springbrook Golf & Country Club!

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

4/10
Niota Elementary SchoolGrades PK-80.4 mi
5/10
Mcminn High SchoolGrades 9-126.9 mi

Construction

Condition

  • Year built: 1959

Materials

  • Construction materials: Brick,Block,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Range,Refrigerator,Self Cleaning Oven,Washer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen
  • Flooring: Laminate,Carpet,Hardwood
  • Fireplace features: None

Heating & Cooling

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

Interior Area

  • Total structure area: 1,380
  • Total interior livable area: 1,380 sqft

Property

Details

  • Parcel number: 033L B 035.00

Features

  • Has view: Yes
  • View description: Country Setting,Trees/Woods

Lot

  • Lot size: 0.33 Acres
  • Features: Private,Wooded
  • Lot size dimensions: 75 x 200

Parking

  • Total spaces: 1
  • Parking features: On Street,Designated Parking,Carport
  • Covered spaces: 1
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport 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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Cold Wave
Drought
Earthquake
Inland Flooding
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 $1,132$13,584
Home Insurance $142$1,704
Property Taxes $59$708
Electricity $175$2,103
Total$1,508$18,096

Income You'd Need if You Spent...

35% on housing$51,702/yr
40% on housing$45,240/yr
45% on housing$40,213/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$162This listing

vs Other Active Listings

Avg $/sqft

ZIP 37826$186
McMinn County$165

vs Homes Sold Last Month

Median $/sqft

ZIP 37826$167
McMinn County$170

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
2026-05-11Price change$237,000
2026-05-04Listed for sale$245,000

For Sale by Agent

AgentNicole McClanahan
BrokerageRealty One Group Ascend

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