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212 Cherry St, Chattanooga, TN, 37403

4beds
4baths
3,249sqft
$1,145,000
$352price/sqft
$7,685/moest. monthly cost
$307,400/yrincome needed

About This Home

Rare downtown listing on picturesque Cherry Street. Unmatched curb appeal and classic architectural design recreates turn-of-the-century downtown life. This location is at the heart of it all! Easily enjoy all of Chattanooga's many festivals, downtown attractions and outdoor markets from this prime walk/bikeable spot! Mere steps from the Riverfront multiuse path, many of the city's best restaurants, Bluff View Art District; Walnut St Pedestrian Bridge, Coolidge & Renaissance Parks, The Northshore, and Frazier Ave shopping. This townhome's interior spaces have been upgraded and expanded with completion of the previously unfinished 3rd floor space and the addition of a full bath and kitchenette in the spacious carriage house guest suite. The primary bath and secondary full bath have both been recently refreshed as well as select interior finishes in the kitchen, living room and primary bedroom with neutral contemporary colors. The interior design features hardwood floors throughout, 10' and 9' ceilings, ample storage space, extensive trim work and new HVAC units. The framework is designed for an optional elevator. A flex dining/office space, open kitchen to a fireside gathering/living room, half bath, pantry and closets comprise the main floor. The 2nd floor includes primary bedroom, ensuite and walk-in closet, two separate full bedrooms/offices with dedicated closets and a shared full bath, laundry room and a hall closet. Crowning this all is the recently finished oversized 3rd floor bonus room with a captivating city view for use as a workout space, office, media/gaming room, and/or lounge/reading room, as well as three generous closets for even more storage space. There is a private courtyard with open and covered spaces with a breezeway access to the carriage house with a private spacious guest suite/studio with full bath and kitchenette. The two-car garage is accessed from the private motor court with 3 gated entrances. Reasonable HOA fees

Getting Around

75
WalkingVery Walkable
47
TransitSome Transit
91
BikeBiker's Paradise

Schools

3/10
4/10
The Howard SchoolGrades 9-122.1 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2009

Materials

  • Foundation: Block
  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Cement Siding,Stone

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Bar Fridge,Dishwasher,Free-Standing Gas Range,Gas Water Heater,Microwave
  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Washer Hookup

Basement

  • Basement: Crawl Space

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bathroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Third

Dining Room

  • Level: First

Features

  • Breakfast Bar,Ceiling Fan(s),Crown Molding,Double Vanity,Entrance Foyer,Eat-in Kitchen,Granite Counters,High Ceilings,Pantry,Recessed Lighting,Storage,Wet Bar,Walk-In Closet(s),Double Shower,Tub/shower Combo,En Suite,Separate Dining Room
  • Window features: Insulated Windows
  • Flooring: Cork,Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes
  • Finished area above ground: 3,249

Heating & Cooling

  • Heating features: Central,Natural Gas,Zoned
  • Cooling features: Central Air,Electric,Zoned

Interior Area

  • Total structure area: 3,249
  • Total interior livable area: 3,249 sqft

Laundry

  • Level: Second

Living Room

  • Level: First

Loft

  • Level: Third

Master Bedroom

  • Level: Second

Property

Details

  • Parcel number: 135m B 016.06

Features

  • Levels: Two
  • Stories: 3
  • Patio & porch: Covered,Deck,Patio,Porch,Porch - Covered
  • Exterior features: Covered Courtyard,Courtyard,Rain Gutters,Uncovered Courtyard
  • Fencing: Front Yard,Aluminum
  • Has view: Yes
  • View description: City,Other

Lot

  • Lot size: 2,861 sqft
  • Features: City Lot,Sprinklers In Front
  • Lot size dimensions: 23.68 x 120

Parking

  • Total spaces: 2
  • Parking features: Gated,Garage Faces Rear,Kitchen Level
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Earthquake
    EarthquakeModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
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 $5,789$69,468
Home Insurance $244$2,928
Property Taxes $1,389$16,668
Electricity $263$3,167
Total$7,685$92,220

Income You'd Need if You Spent...

35% on housing$263,485/yr
40% on housing$230,550/yr
45% on housing$204,933/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: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$352This listing

vs Other Active Listings

Avg $/sqft

ZIP 37403$233
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37403
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-23Price change$1,145,000
2026-06-05Listed for sale$1,220,000
2021-06-02Sold$850,000
2021-03-19Contingent$899,000
2021-03-19Listed for sale$899,000
2019-07-09Listing removed$3,100
2019-06-27Listed for rent$3,100
2009-07-21Sold$615,000

For Sale by Agent

AgentChip Ellis
BrokerageReal Estate Partners Chattanooga LLC

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