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54 Shallowford Rd, Chattanooga, TN, 37404

4beds
3baths
4,307sqft
$895,000
$208price/sqft
$6,171/moest. monthly cost
$246,840/yrincome needed

About This Home

Spectacular views of downtown from this mid-century ranch style home sitting on approximately 2.5 acres. Timeless mid-century design featuring clean lines, natural light, and indoor-outdoor flow. The house sits perfectly at the edge of the brow, and both the main level and the lower level have been designed to maximize the views through the expansive windows and doors. The lower level also offers the possibility of multigenerational living. Mature trees dot the landscape, offering shade, while open spaces ensure views of the valley. Expansive outdoor living potential with room for gardens, a pool, or future expansion. This property has the potential to become a unique estate for the discriminating individual that desires to have privacy, amazing views, and still be near downtown. An opportunity to acquire a property with these features rarely presents itself. The property consists of a portion of parcel 146L H 002 and will total approximately 2.5 acres once the new survey has been completed. Please schedule all showings through BrokerBay. Please do not enter the property without an appointment. All buyers must show financial qualifications prior to viewing the property. Furnishings may be available for purchase.

Getting Around

22
WalkingCar-Dependent
31
TransitSome Transit
10
BikeSomewhat Bikeable

Schools

3/10
4/10
Dalewood Middle SchoolGrades 6-82.1 mi
3/10
Brainerd High SchoolGrades 9-122.2 mi

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Finished,Partial

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Tub/shower Combo,Separate Dining Room
  • Flooring: Carpet,Wood
  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 1,177
  • Finished area above ground: 3,130

Heating & Cooling

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

Interior Area

  • Total structure area: 4,307
  • Total interior livable area: 4,307 sqft

Property

Details

  • Parcel number: 146l H 002
  • Special condition: Trust

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Exterior features: None
  • Fencing: None
  • Has view: Yes
  • View description: City,City Lights

Lot

  • Lot size: 2.50 Acres
  • Features: Level,Sloped,Views,Brow Lot
  • Lot size dimensions: 500 x 109 IRR

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Covered spaces: 1
  • 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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $4,525$54,300
Home Insurance $209$2,508
Property Taxes $1,088$13,056
Electricity $349$4,199
Total$6,171$74,052

Income You'd Need if You Spent...

35% on housing$211,577/yr
40% on housing$185,130/yr
45% on housing$164,560/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

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 37404$154
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
2026-05-14Listed for sale$895,000
2024-12-10Listing removed$2,495,000
2024-06-26Listed for sale$2,495,000
1977-08-25Sold$24,800

For Sale by Agent

AgentBrad Epperson
BrokerageBentwood Property Group

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