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1792 S Watkins St #305, Chattanooga, TN, 37404

3beds
2baths
1,490sqft
$365,000
$245price/sqft
$2,417/moest. monthly cost
$96,680/yrincome needed

About This Home

Discover a new standard of maintenance-free living at The Flats at Mill Town, where beautifully designed, single-story one, two, and three-bedroom residences are complemented by resort-style amenities, including a community pool, dog parks, abundant green space, scenic walking trails, and easy access to a nearby pickleball facility--all within one of Chattanooga's most exciting new communities. This three-bedroom Flat is the crown jewel. A one-level home that lives like a penthouse, it delivers the kind of space, light, and ease typically reserved for high-end top-floor living--without the stairs, without the compromises, and without anything else like it in Chattanooga. From the moment you step inside, ceilings soaring over 10 feet and wall after wall of windows create an immediate sense of volume and calm. Natural light pours into every corner, giving the entire home an open, expansive, almost weightless feel. The oversized living space is both striking and inviting--perfect for hosting, relaxing, and everything in between. The kitchen anchors the home with style and function, flowing seamlessly into the main living area so everything stays connected. And here, luxury isn't an upgrade--it's the baseline. Quartz countertops, LVP flooring throughout, high-end finishes, and even the refrigerator all come standard--making this home truly, truly turn-key from day one. All three bedrooms are generously sized--no afterthoughts, no compromises--offering real comfort, flexibility, and privacy. And what truly sets this layout apart is the connection to the outdoors--two of the bedrooms feature their own private covered patios or balconies, creating rare, personal outdoor retreats that elevate everyday living in a way few homes can. Step outside and you'll also find a massive main covered patio that extends your living space beautifully--perfect for entertaining, unwinding, or simply enjoying a quiet moment. With multiple outdoor living areas, this home delivers the kind of indoor-outdoor lifestyle that's incredibly hard to find in new construction.

Getting Around

51
WalkingSomewhat Walkable
27
TransitSome Transit
60
BikeBikeable

Schools

6/10
3/10
4/10
The Howard SchoolGrades 9-122.0 mi

Construction

Condition

  • Property condition: Under Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Foundation: Block
  • Construction materials: Brick,HardiPlank Type

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Disposal,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Microwave
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

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

Features

  • High Ceilings,See Remarks,Stone Counters,Walk-In Closet(s),En Suite
  • Flooring: Luxury Vinyl,See Remarks
  • Finished area above ground: 1,490

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,490
  • Total interior livable area: 1,490 sqft

Property

Details

  • Parcel number: 0

Features

  • Levels: One
  • Stories: 1
  • Pool features: Outdoor Pool
  • Patio & porch: Patio
  • Exterior features: Balcony
  • Has view: Yes

Lot

  • Lot size dimensions: 0

Parking

  • Parking features: Off Street,On Street,Parking Lot

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
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Earthquake
Inland Flooding
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 $1,845$22,140
Home Insurance $209$2,508
Property Taxes $188$2,256
Electricity $175$2,103
Total$2,417$29,004

Income You'd Need if You Spent...

35% on housing$82,868/yr
40% on housing$72,510/yr
45% on housing$64,453/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

$245This listing

vs Other Active Listings

Avg $/sqft

ZIP 37404$155
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37404
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Listed for sale$365,000

New Construction

AgentChristopher Todd
BrokerageRogue Real Estate Company llc

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