




742 Germantown Cir, Chattanooga, TN, 37412
About This Home
Freshly updated, beautifully distinctive, and impossible to duplicate, this is the kind of home that immediately stands apart. Recent improvements include a brand-new, 400-square-foot deck, new flooring in the two upstairs bedrooms, fresh interior paint in select areas, freshly painted patio, new garage-door lock, and the refrigerator, range, and dishwasher were purchased in 2025 as well as a recently renewed, transferable Choice Home Warranty that doesn't expire until next July 2027. The sun-filled main level feels remarkably open and inviting, pairing sleek mid-century modern influence with inspiring pops of color and architectural personality. It is a refreshing departure from the ordinary, stylish without sacrificing comfort and perfectly suited for both everyday living and entertaining. Step outside to the expansive new deck overlooking just over 0.4 acres, offering uncommon breathing room in a location celebrated for its exceptional convenience. Downstairs, a finished studio apartment with its own private entrance and separate driveway adds an entirely different level of flexibility. Create a secluded home office, primary or guest suite, multigenerational living space, creative studio, private retreat, or explore the potential for supplemental rental income. Homes with this combination of individuality, usable land, versatile living space, recent updates, and everyday accessibility rarely come together in one property. For the buyer unwilling to settle for everyday average, this one is a true original.
Getting Around
Schools
Construction
Condition
- Year built: 1955
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Fiber Cement
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Free-Standing Electric Range,Free-Standing Refrigerator,Microwave
- Laundry features: In Basement,Electric Dryer Hookup,Washer Hookup
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bathroom
- Level: Basement
Bedroom
- Level: First
Bedroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Bonus Room
- Level: Basement
Dining Room
- Level: First
Features
- Built-in Features,Bookcases,Eat-in Kitchen,Open Floorplan,Tub/shower Combo,Whirlpool Tub
- Window features: Aluminum Frames
- Flooring: Luxury Vinyl,Tile,Engineered Hardwood
- Finished area below ground: 1,074
- Finished area above ground: 1,344
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 2,418
- Total interior livable area: 2,418 sqft
Kitchen
- Level: First
Kitchen
- Level: Basement
Living Room
- Level: First
Property
Details
- Parcel number: 156m H 011
Features
- Levels: Two
- Patio & porch: Deck,Front Porch,Patio,Porch
- Exterior features: None
- Fencing: Fenced,Front Yard,Partial,Wire
Lot
- Lot size: 0.42 Acres
- Features: Corner Lot,Gentle Sloping,Level
- Lot size dimensions: 121.77 x 150
Parking
- Total spaces: 2
- Parking features: Driveway,Garage,Off Street,On Street,Paved,Garage Faces Side
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 2
- 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
- Cold Wave
- 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 | $1,718 | $20,616 |
| Home Insurance | $148 | $1,776 |
| Property Taxes | $702 | $8,424 |
| Electricity | $196 | $2,357 |
| Total | $2,764 | $33,168 |
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 |
|---|---|---|
| 2026-08-02 | Listed for sale | $339,900 |
| 2024-07-02 | Sold | $295,000 |
| 2024-06-02 | Contingent | $295,000 |
| 2024-05-26 | Listed for sale | $295,000 |
| 2004-08-31 | Sold | $117,975 |
