Contingent

Price cut: $16K (5/26)

$282,000

1904 Pearl St, Chattanooga, TN 37406

3beds

1,461sqft

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Single Family Residence

Built in 1957

0.38 Acres Lot

$276,700 Zestimate^®

$193/sqft

$-- HOA

What's special

Updated bathroomsFresh paintVersatile studio apartmentModern finishesModern lighting and hardware

MOTIVATED SELLER! If you are a FIRST TIME HOME BUYER OR INVESTOR looking for INVESTMENT READY PROPERTY with strong income potential... this property is for you! The home was totally remodeled and thoughtfully updated and located in a calm neighborhood setting with easy access only 4 miles to vibrant downtown life, offering city views from distant parks on morning walks and evening strolls. 1904 Pearl Street offers a refreshed new look with modern finishes and a versatile studio apartment offering a living room, kitchenette, full bath and loft bedroom/office space that is PERFECT for rental income, extended family, or an in-law suite. The main house offers 3 bedrooms, 1.5 bathrooms. All updated bathrooms, floors, fresh paint, modern lighting and hardware. You will also enjoy the walk-out to a private patio -- perfect for morning coffee or evening relaxation.

138 days

218

12

Facts & features

Interior

Bedrooms & bathrooms

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

Heating

Central, Electric

Cooling

Central Air, Electric

Appliances

Included: Free-Standing Refrigerator, Free-Standing Range
Laundry: Electric Dryer Hookup, Laundry Room, Main Level, Washer Hookup

Features

Ceiling Fan(s), Eat-in Kitchen, Tub/shower Combo, Plumbed
Flooring: Luxury Vinyl
Windows: Aluminum Frames
Has basement: No
Has fireplace: No

Interior area

Total structure area: 1,461
Total interior livable area: 1,461 sqft
Finished area above ground: 1,461

Property

Parking

Parking features: Concrete, Driveway, Garage Faces Front

Features

Patio & porch: Patio, Porch - Covered
Exterior features: None

Lot

Size: 0.38 Acres
Dimensions: 150 x 110
Features: Back Yard

Details

Additional structures: Residence
Parcel number: 137i B 010

Construction

Type & style

Home type: SingleFamily
Architectural style: Contemporary
Property subtype: Single Family Residence

Materials

Block, Vinyl Siding
Foundation: Block
Roof: Shingle

Condition

Updated/Remodeled
New construction: No
Year built: 1957

Utilities & green energy

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

Community & HOA

Community

Subdivision: None

HOA

Has HOA: No

Location

Region: Chattanooga

Financial & listing details

Price per square foot: $193/sqft
Tax assessed value: $181,700
Annual tax amount: $762
Date on market: 2/25/2026
Listing terms: Cash,Conventional,FHA,VA Loan
Road surface type: Asphalt, Paved

Estimated market value

$276,700

$263,000 - $291,000

$2,277/mo

Price history

Date	Event	Price
7/3/2026	Contingent	$282,000$193/sqft
Source: Greater Chattanooga Realtors #1529186 Report a problem
5/26/2026	Price change	$282,000-5.4%$193/sqft
Source: Greater Chattanooga Realtors #1529186 Report a problem
4/28/2026	Price change	$298,000-3.9%$204/sqft
Source: Greater Chattanooga Realtors #1529186 Report a problem
3/10/2026	Price change	$310,000-3.1%$212/sqft
Source: Greater Chattanooga Realtors #1529186 Report a problem
2/25/2026	Listed for sale	$320,000+77.8%$219/sqft
Source: Greater Chattanooga Realtors #1529186 Report a problem
5/20/2024	Sold	$180,000+33.3%$123/sqft
Source: Public Record Report a problem
2/28/2023	Sold	$135,000+180.1%$92/sqft
Source: Public Record Report a problem
3/9/2007	Sold	$48,200+1.3%$33/sqft
Source: Public Record Report a problem
12/4/2006	Sold	$47,567$33/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$689 +81%	$45,425 +167.2%
2024	$380	$17,000
2023	$380	$17,000
2022	$380	$17,000
2021	$380 -16.5%	$17,000 +3.2%
2020	$456	$16,475
2019	$456	$16,475
2018	$456 -52.4%	$16,475
2017	$957 +5%	$16,475
2016	$912	--
2015	$912	$15,700
2014	$912 +92%	--
2013	$475	$15,700 -8.6%
2012	$475	$17,175
2011	$475	$17,175
2010	$475	$17,175
2009	$475	$17,175 +8.5%
2008	--	$15,825
2007	--	$15,825
2006	--	$15,825
2005	--	$15,825 +14.5%
2004	--	$13,825
2003	--	$13,825
2002	--	$13,825
2001	--	$13,825 +13.1%
2000	--	$12,225

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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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: Missionary Ridge

Getting around

20 / 100

Car-Dependent

28 / 100

Some Transit

7 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

5/10
Hardy Elementary School
Grades: PK-5Distance: 0.6 mi
3/10
Orchard Knob Middle School
Grades: 6-8Distance: 1.7 mi
3/10
Brainerd High School
Grades: 9-12Distance: 2.7 mi

Schools provided by the listing agent

Elementary: Hardy Elementary
Middle: Orchard Knob Middle
High: Brainerd High

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