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410 Eells St, Loretto, TN, 38469

3beds
3baths
2,979sqft
$460,000
$154price/sqft
$3,752/moest. monthly cost
$150,080/yrincome needed

About This Home

Welcome to 410 Eells Street in the heart of Loretto! This beautiful all-brick home offers the perfect combination of space, functionality, and flexibility with 3 bedrooms, 2 bathrooms, and a thoughtfully updated interior. The recently remodeled kitchen serves as the heart of the home, featuring an open layout with generous space for cooking, entertaining, and gathering with family and friends. The adjoining living area creates a warm, inviting atmosphere that's ideal for everyday living. Downstairs, the finished basement provides endless possibilities with two oversized finished rooms that can easily accommodate a home office, playroom, workout space, media room, guest space, or other flex uses to fit your lifestyle. An additional full bathroom in the basement adds even more convenience. Car enthusiasts, hobbyists, or anyone needing extra storage will appreciate the incredible 4-car garage setup, featuring two garage bays on the main level and two additional bays below. The home also offers two large paved driveways—one on each side of the property—providing abundant parking for vehicles, boats, campers, or guests. With its spacious floor plan, recent updates, versatile living spaces, and exceptional parking and garage capacity, this home is ready to meet a variety of needs. Conveniently located in Loretto, you'll enjoy small-town charm while being close to local schools, shopping, and everyday amenities. Don't miss your opportunity to make this exceptional property your next home!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

5/10
Loretto High SchoolGrades 9-121.6 mi
5/10
Leoma Elementary SchoolGrades PK-86.8 mi

Construction

Condition

  • Year built: 2005

Materials

  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Built-In Electric Oven,Microwave,Refrigerator,Stainless Steel Appliance(s)

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bedrooms: 3

Features

  • Flooring: Wood
  • Finished area above ground: 2,979

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,979
  • Total interior livable area: 2,979 sqft

Property

Details

  • Parcel number: 151 04638 000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 2

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Lightning
    LightningVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Tornado
Cold Wave
Earthquake
Ice Storm
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 $2,326$27,912
Home Insurance $270$3,240
Property Taxes $914$10,968
Electricity $242$2,904
Total$3,752$45,024

Income You'd Need if You Spent...

35% on housing$128,640/yr
40% on housing$112,560/yr
45% on housing$100,053/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 38469$116
Lawrence County$154

vs Homes Sold Last Month

Median $/sqft

ZIP 38469$197
Lawrence County$175

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

DateEventPrice
2026-08-14Price change$455,000
2026-08-01Price change$460,000
2026-07-06Listed for sale$465,000
2026-07-02Listing removed--
2026-06-24Listed for sale$467,000
2021-03-24Listing removed--
2016-05-20Sold$185,000
2016-03-23Listed for sale$195,000
2015-12-07Listing removed$212,000
2015-10-22Price change$212,000
2015-09-28Price change$219,000
2015-07-08Listed for sale$229,000
2005-02-11Sold$9,000

For Sale by Agent

AgentLauren Reed
BrokerageFields and Beams Realty LLC

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