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742 Germantown Cir, Chattanooga, TN, 37412

2beds
2baths
2,418sqft
$339,900
$141price/sqft
$2,764/moest. monthly cost
$110,560/yrincome needed

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

48
WalkingCar-Dependent
0
TransitNo Nearby Transit
27
BikeSomewhat Bikeable

Schools

3/10
4/10
East Ridge Middle SchoolGrades 6-81.4 mi
3/10
East Ridge High SchoolGrades 9-121.4 mi

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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
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 $1,718$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...

35% on housing$94,765/yr
40% on housing$82,920/yr
45% on housing$73,706/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 37412$139
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37412
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-02Listed for sale$339,900
2024-07-02Sold$295,000
2024-06-02Contingent$295,000
2024-05-26Listed for sale$295,000
2004-08-31Sold$117,975

For Sale by Agent

AgentSherry Lawrence
BrokerageZach Taylor - Chattanooga

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