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339 Shipley Ln, Dayton, TN, 37321

2beds
1baths
1,096sqft
$199,000
$182price/sqft
$1,647/moest. monthly cost
$65,880/yrincome needed

About This Home

Charming 2 bedroom, 1 bath home offering 1,096 sq ft of comfortable living space, perfect for 1st time home buyers. Enjoy relaxing evenings on the covered back porch, ideal for entertaining or unwinding after a long day. Inside, the home features a well appointed kitchen with Carrera marble countertops and solid wood cabinetry, combining style and durability. Conveniently located in Dayton City limits, just minutes from Bryan College, Lake Chickamauga and Historic Downtown Dayton. This home offers the perfect blend of smalltown charm and convenient access to local amenities.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Year built: 1956

Materials

  • Foundation: Block
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Cooling

  • Cooling features: Central Air,Ceiling Fan(s)

Features

  • Finished area above ground: 1,096

Interior Area

  • Total structure area: 1,096
  • Total interior livable area: 1,096 sqft

Property

Details

  • Parcel number: 090 09701 000

Features

  • Patio & porch: Covered,Front Porch,Rear Porch
  • Exterior features: Rain Gutters

Lot

  • Lot size: 5,662 sqft
  • Lot size dimensions: 75 x 75

Parking

  • Parking features: Other

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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Cold Wave
Tornado
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 $1,006$12,072
Home Insurance $106$1,272
Property Taxes $360$4,320
Electricity $175$2,103
Total$1,647$19,764

Income You'd Need if You Spent...

35% on housing$56,468/yr
40% on housing$49,410/yr
45% on housing$43,920/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: 5.1%
5.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 37321$159
Rhea County$159

vs Homes Sold Last Month

Median $/sqft

ZIP 37321$183
Rhea County$176

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
2026-04-13Price change$229,900
2026-03-20Listed for sale$235,000

For Sale by Agent

AgentJason Fitzgerald
BrokeragesimpliHOM

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