294 Little Falls St, Spencer, TN, 38585
About This Home
Welcome to this charming 3-bedroom, 1.5-bath brick home situated on 2.7 peaceful acres within the city limits, offering the convenience of town with the privacy of a quiet country setting. This well-maintained home features numerous updates, including a new metal roof, a new front door, a new dishwasher, and beautiful new hickory flooring throughout the main living areas. The spacious kitchen offers real wood cabinetry and a large pantry, providing plenty of storage. Relax on the front porch while overlooking a beautiful pond that's home to geese and ducks. The property is filled with mature fruit and nut trees, along with beautiful perennial plants that provide color and charm throughout the seasons. A 24x40 shed offers abundant space for storage, hobbies, or a workshop. Conveniently located right in town, you're within minutes of the grocery store, school, and everyday amenities. Enjoy being just a short drive from several state parks, including Fall Creek Falls and Rock Island. With easy access to Nashville, Chattanooga, and Knoxville, this property combines the charm of small-town living with a central location ideal for commuting or weekend getaways.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1976
Materials
- Roof: Metal
- Construction materials: Brick,Frame
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- Partial bathrooms: 1
Features
- New Floor Covering
Heating & Cooling
- Heating features: Natural Gas,Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,288
- Total interior livable area: 1,288 sqft
Property
Details
- Parcel number: 030C A 005.00
Features
- Levels: One
- Patio & porch: Porch,Deck
Lot
- Lot size: 2.70 Acres
- Lot size dimensions: 2.7 ac
Parking
- Total spaces: 1
- Parking features: Garage
- Has garage: Yes
- Covered 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
- Cold Wave
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Inland Flooding
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 | $1,769 | $21,228 |
| Home Insurance | $279 | $3,348 |
| Property Taxes | $705 | $8,460 |
| Electricity | $175 | $2,103 |
| Total | $2,928 | $35,136 |
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 $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-31 | Listed for sale | $349,900 |
View on Zillow