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115 W Mitchell St, Humboldt, TN, 38343

2beds
1baths
925sqft
$99,900
$108price/sqft
$836/moest. monthly cost
$33,440/yrincome needed

About This Home

Freshly remodeled and conveniently located near downtown amenities, this move-in-ready home is packed with updates. Recent improvements include a new roof, new water heater, and three new mini-split systems, one in each bedroom and one in the living room. The remodeled kitchen features stainless steel appliances, including the stove, microwave, and dishwasher. The home also offers a spacious primary bedroom with a large walk-in closet, an updated bathroom with a tub/shower combination, a large pantry, dedicated laundry room, and a covered front porch. A lot of home and a lot of updates for under $100,000. This property may qualify for USDA-RD, FHA, VA, and conventional financing. Qualified buyers may be eligible for USDA-RD 100% financing and other available homebuyer assistance programs. Financing and program eligibility are subject to lender approval and current program guidelines.

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

--
Stigall Primary SchoolGrades PK-10.3 mi
2/10
Humboldt High SchoolGrades 7-121.8 mi
2/10
East Elementary SchoolGrades 2-61.9 mi

Construction

Condition

  • Property condition: false
  • Year built: 1951

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Electric Water Heater,Microwave
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level

Bathroom

  • Level: Main
  • Area: 40
  • Dimensions: 5.0 x 8.0

Bedroom

  • Level: Main
  • Area: 88
  • Dimensions: 8.0 x 11.0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Level: Main
  • Area: 121
  • Dimensions: 11.0 x 11.0

Features

  • Ceiling Fan(s),Pantry,Walk-In Closet(s)
  • Flooring: Luxury Vinyl

Heating & Cooling

  • Heating features: Other
  • Cooling features: Ceiling Fan(s),Ductless

Interior Area

  • Total interior livable area: 925 sqft

Kitchen

  • Level: Main
  • Area: 121
  • Dimensions: 11.0 x 11.0

Living Room

  • Level: Main
  • Area: 121
  • Dimensions: 11.0 x 11.0

Master Bedroom

  • Level: Main
  • Area: 88
  • Dimensions: 8.0 x 11.0

Property

Details

  • Parcel number: 170A L 035.00
  • Special condition: Standard

Features

  • Levels: One
  • Patio & porch: Covered,Front Porch

Lot

  • Lot size: 5,250 sqft
  • Features: Level
  • Lot size dimensions: 50 x 105

Parking

  • Total 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

  • Earthquake
    EarthquakeVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Earthquake
Tornado
Cold Wave
Ice Storm
Lightning
Strong Wind
Winter Weather
Heat Wave
Inland Flooding

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 $505$6,060
Home Insurance $106$1,272
Property Taxes $50$600
Electricity $175$2,103
Total$836$10,032

Income You'd Need if You Spent...

35% on housing$28,662/yr
40% on housing$25,080/yr
45% on housing$22,293/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 38343$124
Gibson County$108

vs Homes Sold Last Month

Median $/sqft

ZIP 38343$116
Gibson County$141

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)

No zestimate history available

Price History

DateEventPrice
2026-07-24Listed for sale$99,900

For Sale by Agent

AgentMadalyn Ostrander
BrokerageDream Estate Collective Realty

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