For sale

Price cut: $1K (7/23)

$299,000

1131 Garfield St #A & B, Chattanooga, TN 37403

2beds

1,252sqft

$1,887/mo

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Duplex

Built in 1916

-- sqft lot

$285,000 Zestimate^®

$239/sqft

$-- HOA

What's special

Stainless steel appliancesGranite countertopsDedicated laundry roomClean modern feelTile tub surrounds

Two-unit income producer in an up-and-coming pocket of Chattanooga -- fully remodeled in 2023! Each side is a comfortable 1 bed / 1 bath with its own dedicated laundry room, and both units are ready to produce rental income. The 2023 remodel shows throughout: stainless steel appliances, granite countertops, and tile tub surrounds give each unit a clean, modern feel. Live in one and rent the other, or rent both sides for strong cash flow -- two doors, two income streams, one smart buy. Unbeatable location: walking distance to Erlanger, just minutes to UTC and downtown Chattanooga. Furniture is negotiable separately and not included in the list price. Bring your investor's eye and schedule a showing today! Listing agent has personal interest in property.

28 days

781

66

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 2
Bathrooms: 2
Full bathrooms: 2

Heating

Electric

Cooling

Wall Unit(s)

Appliances

Included: Dishwasher, Electric Range, Microwave, Refrigerator, Stainless Steel Appliance(s), Washer/Dryer Stacked
Laundry: Laundry Closet

Features

Tub/shower Combo, Plumbed, Breakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Granite Counters, High Ceilings, Kitchen Island, Natural Woodwork, Open Floorplan, Primary Downstairs, Recessed Lighting
Flooring: Luxury Vinyl
Basement: None
Has fireplace: No

Interior area

Total structure area: 1,252
Total interior livable area: 1,252 sqft

Property

Parking

Parking features: On Street

Features

Levels: One
Patio & porch: Covered, Front Porch, Porch
Exterior features: Private Entrance
Fencing: Fenced,Front Yard

Lot

Size: 4,059 Square Feet
Features: Back Yard, City Lot, Level

Details

Parcel number: 146b C 016
Special conditions: Personal Interest
Other equipment: Negotiable

Construction

Type & style

Home type: MultiFamily
Property subtype: Duplex

Materials

Vinyl Siding
Foundation: Block
Roof: Shingle

Condition

Updated/Remodeled
New construction: No
Year built: 1916

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Electricity Connected, Water Connected

Community & HOA

Community

Subdivision: Citico City

HOA

Has HOA: No

Location

Region: Chattanooga

Financial & listing details

Price per square foot: $239/sqft
Annual tax amount: $2,477
Date on market: 6/25/2026
Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
Road surface type: Asphalt

Estimated market value

$285,000

$271,000 - $299,000

$1,694/mo

Price history

Date	Event	Price
7/23/2026	Price change	$299,000-0.3%$239/sqft
Source: Greater Chattanooga Realtors #1537533 Report a problem
6/30/2026	Listed for sale	$300,000$240/sqft
Source: Greater Chattanooga Realtors #1537533 Report a problem

Public tax history

Tax history is unavailable.

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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Climate risks

Neighborhood: Lincoln Park

Getting around

38 / 100

Car-Dependent

37 / 100

Some Transit

52 / 100

Bikeable

Nearby schools

GreatSchools rating

4/10
Tommie F. Brown International Academy
Grades: PK-5Distance: 0.8 mi
3/10
Orchard Knob Middle School
Grades: 6-8Distance: 0.6 mi
4/10
The Howard School
Grades: 9-12Distance: 2 mi

Schools provided by the listing agent

Elementary: Tommie F. Brown Academy
Middle: Orchard Knob Middle
High: Howard School of Academics & Tech

Source: Greater Chattanooga Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.