3731 Kellys Ferry Rd, Chattanooga, TN, 37419
About This Home
Welcome to 3731 Kellys Ferry Road! Built in 2003 and conveniently located just minutes from downtown Chattanooga, this versatile home offers two separate living spaces ideal for multi-generational living, rental income, or a private retreat for guests. The main level features three bedrooms, two full bathrooms, a spacious living area, a well-appointed kitchen, and a laundry room. Enjoy the convenience of a two-car garage and step-free entry into the home. Just off the living area, the screened porch provides the perfect place to relax and unwind. The lower level offers a studio-style apartment complete with a full kitchen, living area, large closet, full bathroom, laundry hookups, and a small garage. Whether you're looking for an income-producing opportunity, a mother-in-law suite, or a space for a teenager or college student, this flexible layout has endless possibilities. The seller has had work recently completed on the home. Please see document section for details. Don't miss this unique opportunity to own a home that offers both comfort and versatility in a convenient Chattanooga location!
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2003
Materials
- Foundation: Block
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Electric Range,Microwave,Refrigerator,Washer/Dryer,Water Heater
- Laundry features: In Basement,Laundry Room,Main Level
Basement
- Has basement: Yes
- Basement: Partially Finished
Bathroom
- Level: First
Bathroom
- Level: Basement
Bedroom
- Level: First
Bedroom
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: First
Family Room
- Level: First
Family Room
- Level: Basement
Features
- Ceiling Fan(s),Chandelier,Walk-In Closet(s),Separate Shower,Tub/shower Combo,Sitting Area,Breakfast Room,Split Bedrooms
- Finished area below ground: 787
- Finished area above ground: 1,689
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 2,476
- Total interior livable area: 2,476 sqft
Kitchen
- Level: First
Kitchen
- Level: Basement
Laundry
- Level: First
Laundry
- Level: Basement
Master Bathroom
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 154b B 001.01
Features
- Levels: One and One Half
- Patio & porch: Front Porch,Porch - Screened,Porch - Covered
- Exterior features: Rain Gutters
Lot
- Lot size: 0.35 Acres
- Lot size dimensions: 94 x 166
Parking
- Total spaces: 2.5
- Parking features: Basement,Driveway,Garage,Kitchen Level
- Has garage: Yes
- Attached garage spaces: 2.5
- Covered spaces: 2.5
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
- Inland Flooding
- Tornado
- Lightning
- Strong Wind
- Winter Weather
- Cold Wave
- Earthquake
- Hail
- Ice Storm
- Landslide
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 | $1,944 | $23,328 |
| Home Insurance | $204 | $2,448 |
| Property Taxes | $452 | $5,424 |
| Electricity | $201 | $2,414 |
| Total | $2,801 | $33,612 |
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 |
|---|---|---|
| 2026-07-24 | Price change | $384,500 |
| 2026-06-17 | Listed for sale | $389,900 |
| 2002-11-12 | Sold | $11,453 |
| 2001-05-09 | Sold | $13,500 |
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