1131 Garfield St #A & B, Chattanooga, TN, 37403
About This Home
Two-unit income producer in an up-and-coming pocket of Chattanooga -- fully remodeled in 2023! Each side is a comfortable 1 bed / 1 bath with its own dedicated laundry room, and both units are ready to produce rental income. The 2023 remodel shows throughout: stainless steel appliances, granite countertops, and tile tub surrounds give each unit a clean, modern feel. Live in one and rent the other, or rent both sides for strong cash flow -- two doors, two income streams, one smart buy. Unbeatable location: walking distance to Erlanger, just minutes to UTC and downtown Chattanooga. Furniture is negotiable separately and not included in the list price. Bring your investor's eye and schedule a showing today! Listing agent has personal interest in property.
Getting Around
Car-Dependent
Some Transit
BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1916
Materials
- Foundation: Block
- Roof: Shingle
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Property subType: Duplex
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer/Dryer Stacked
- Laundry features: Laundry Closet
Basement
- Basement: None
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Tub/shower Combo,Plumbed,Breakfast Bar,Ceiling Fan(s),Eat-in Kitchen,Granite Counters,High Ceilings,Kitchen Island,Natural Woodwork,Open Floorplan,Primary Downstairs,Recessed Lighting
- Flooring: Luxury Vinyl
Heating & Cooling
- Heating features: Electric
- Cooling features: Wall Unit(s)
Interior Area
- Total structure area: 1,252
- Total interior livable area: 1,252 sqft
Property
Details
- Parcel number: 146b C 016
- Special condition: Personal Interest
- Other equipment: Negotiable
Features
- Levels: One
- Patio & porch: Covered,Front Porch,Porch
- Exterior features: Private Entrance
- Fencing: Fenced,Front Yard
Lot
- Lot size: 4,059 sqft
- Features: Back Yard,City Lot,Level
Parking
- Parking features: On Street
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
- Inland Flooding
- Tornado
- Cold Wave
- Earthquake
- Lightning
- Strong Wind
- Winter Weather
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 | $1,511 | $18,132 |
| Home Insurance | $244 | $2,928 |
| Property Taxes | $154 | $1,848 |
| Electricity | $175 | $2,103 |
| Total | $2,084 | $25,008 |
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 $/sqft
Current Market Trends
No market data available for this area
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-23 | Price change | $299,000 |
| 2026-06-30 | Listed for sale | $300,000 |
View on Zillow