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4441 Raccoon Mountain Rd, Chattanooga, TN, 37419

4beds
4baths
4,265sqft
$1,095,000
$257price/sqft
$7,374/moest. monthly cost
$294,960/yrincome needed

About This Home

Tucked on 5 +/- private acres atop Raccoon Mountain, this one-of-a-kind estate delivers what almost nothing in the Chattanooga market can: a custom main home, a fully renovated guest home, and acres of true privacy, all just 10 minutes from downtown, 10 minutes from the water, with hiking trails out the back door. Built for multigenerational living and income potential alike, the main home is anchored by a dramatic 2-story great room with stacked stone wood-burning fireplace. The chef's kitchen, generous island, all allow for hosting large gatherings with ease. The main level holds the primary suite with dual vanities, two walk-in closets, and a jetted tub, plus a second bedroom, full bath, and office with glass French doors. Upstairs: two oversized bedrooms, a Jack-and-Jill bath, bonus room, and a soaring overlook of the great room. Outdoor living rivals the interior. A large deck with outdoor fireplace, a sprawling porch, and a downstairs patio create year-round gathering space. The 5 +/- acres back directly to TVA land, locking in privacy forever. Wooded trails circle the property and connect from the cul-de-sac into the full Raccoon Mountain trail system. Turkey, deer, and foxes are regulars. The fully renovated guest home is the showstopper. With its own driveway, 2 bedrooms, 2 baths, full kitchen, laundry, and approximately 1,700 sq ft, plus a 400 sq ft unfinished bonus room, it stands as a true second residence: in-law suite, adult-child landing pad, long-term rental, or Airbnb income engine. Then there's the canvas: 2,400 sq ft of unfinished basement in the main home offering limitless possibility. Home gym, theater, workshop, wine cellar, additional living, whatever your life calls for. Black Creek Golf Course sits 1 mile away. Downtown is 10 minutes. The trails start in your backyard. Properties combining this much privacy, proximity, and income potential rarely come available. Schedule your private tour.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
0
BikeNot Bike Friendly

Schools

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt
  • Construction materials: Brick,Frame

Type & Style

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

Interior

Appliances

  • Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom

  • Level: First

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

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

Bonus Room

  • Level: Second

Features

  • Double Vanity,Granite Counters,High Ceilings,Open Floorplan,Pantry,Primary Downstairs,Soaking Tub,Sound System,Walk-In Closet(s),Separate Shower,Tub/shower Combo,Whirlpool Tub
  • Window features: Insulated Windows,Vinyl Frames,Window Treatments
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Den,Family Room,Living Room,Outside,Wood Burning
  • Fireplace: Yes
  • Finished area above ground: 4,265

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 4,265
  • Total interior livable area: 4,265 sqft

Laundry

  • Level: First

Living Room

  • Level: First

Loft

  • Level: Second

Master Bedroom

  • Level: First

Office

  • Level: First

Property

Accessibility

  • Accessibility features: Other

Details

  • Parcel number: 144 013
  • Other equipment: Generator

Features

  • Levels: Two
  • Patio & porch: Covered,Deck,Patio,Porch,Porch - Covered
  • Exterior features: None
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 5.01 Acres
  • Features: Wooded,Brow Lot
  • Lot size dimensions: 218,235 sq feet

Parking

  • Total spaces: 2
  • Parking features: Basement,Garage Door Opener,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 FloodingVery High
  • Tornado
    TornadoVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Tornado
Lightning
Strong Wind
Winter Weather
Cold Wave
Earthquake
Hail
Ice Storm
Landslide

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 $5,536$66,432
Home Insurance $204$2,448
Property Taxes $1,288$15,456
Electricity $346$4,158
Total$7,374$88,488

Income You'd Need if You Spent...

35% on housing$252,822/yr
40% on housing$221,220/yr
45% on housing$196,640/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

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 37419$242
Hamilton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 37419
Hamilton County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Listed for sale$1,500,000
2019-06-21Sold$518,000
2019-06-11Pending sale$599,000
2019-05-07Price change$599,000
2019-03-29Listed for sale$619,000
2016-11-28Sold$400,000
2016-10-13Price change$449,000
2016-07-20Price change$499,000
2016-05-12Price change$550,000
2016-04-23Listed for sale$625,000
2014-04-29Sold$355,000
2014-01-23Listed for sale$434,900
2013-12-06Sold$470,844
2013-05-16Listing removed$439,544
2012-11-08Listed for sale$439,544
2012-09-30Listing removed$425,000
2012-06-22Price change$425,000
2012-06-20Price change$450,000
2012-03-29Price change$474,000
2012-01-25Listed for sale$489,000
2011-08-17Listing removed$529,900
2011-02-18Listed for sale$529,900
2010-12-20Listing removed$539,000
2010-10-24Price change$539,000
2010-09-30Price change$549,000
2010-06-19Listed for sale$569,000
2003-09-12Sold$32,500

For Sale by Agent

AgentAsher Black
BrokerageKeller Williams Realty

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