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316 Gaines St, Sparta, TN, 38583

4beds
2baths
2,226sqft
$399,900
$180price/sqft
$3,072/moest. monthly cost
$122,880/yrincome needed

About This Home

Welcome to this beautifully remodeled home that perfectly balances timeless character with modern comfort. Freshly updated from top to bottom, this property offers the charm you love with the upgrades you need. Step inside to find fresh paint throughout, brand-new flooring, and an abundance of natural light pouring in through new windows. The spacious layout includes a large master bedroom ideal for relaxing at the end of the day, along with a generously sized upstairs bedroom featuring its own private bathroom and bonus area—perfect for a home office, media room, or guest retreat. The home boasts completely renovated bathrooms, updated electrical panel, new electric fireplace and thoughtful details that preserve the home's classic style while adding modern convenience. Don't miss your chance to own this move-in-ready gem—schedule your showing today!

Getting Around

38
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
6/10
White Co Middle SchoolGrades 6-81.5 mi
7/10
White County High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 1947

Materials

  • Roof: Shingle
  • Construction materials: Brick,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Refrigerator,Electric Range,Microwave,Washer,Dryer,Gas Water Heater
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial,Block,Walk-Out Access,Unfinished

Bedroom2

  • Level: Main
  • Area: 127.7778

Bedroom3

  • Level: Main
  • Area: 167.7083

Bedroom4

  • Level: Upper
  • Area: 250.125

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bedrooms: 3

Dining Room

  • Level: Main
  • Area: 136.3194

Features

  • New Floor Covering,New Paint,Ceiling Fan(s)
  • Window features: Double Pane Windows
  • Number of fireplaces: 1
  • Fireplace features: One,Electric,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Natural Gas,Central
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 2,226
  • Total interior livable area: 2,226 sqft

Kitchen

  • Level: Main
  • Area: 150.5833

Living Room

  • Level: Main
  • Area: 263.6667

Master Bedroom

  • Level: Main
  • Area: 207.5347

Property

Details

  • Parcel number: 059G C 015.02

Features

  • Patio & porch: Porch,Covered,Stoop
  • Exterior features: Garden
  • Has view: Yes
  • View description: No Water Frontage View Description
  • Water view: No Water Frontage View Description
  • Waterfront features: No Water Frontage View Description

Lot

  • Lot size: 10,720 sqft
  • Features: Corner Lot
  • Lot size dimensions: 10,720

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage Door Opener,Basement,Garage
  • Has garage: Yes
  • Covered spaces: 1
  • Has uncovered spaces: Yes

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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

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 $2,022$24,264
Home Insurance $220$2,640
Property Taxes $650$7,800
Electricity $180$2,170
Total$3,072$36,864

Income You'd Need if You Spent...

35% on housing$105,325/yr
40% on housing$92,160/yr
45% on housing$81,920/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: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 4.5%
4.5%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$180This listing

vs Other Active Listings

Avg $/sqft

ZIP 38583$191
White County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 38583
White County$196

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
2026-02-26Listed for sale$399,900
2026-01-31Listing removed$419,900
2025-11-12Price change$419,900
2025-09-04Price change$424,900
2025-08-19Listed for sale$439,900
2023-06-28Sold$200,000
2023-06-12Contingent$259,900
2023-05-16Listed for sale$259,900
2009-10-19Sold$75,500
2009-06-26Price change$78,500
2009-04-22Listed for sale$84,500
2009-01-29Sold$75,500

For Sale by Agent

AgentLesley Pascoe
BrokerageThe Real Estate Collective Sparta

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