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  • Price cut: $10K (6/25)
    $439,000

    2095 Church St NE, Cleveland, TN 37311

    5beds
    1,899sqft
    : 
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    Single Family Residence, Residential
    Built in 1940
    6,969 Square Feet Lot
    $-- Zestimate®
    $231/sqft
    $-- HOA

    What's special

    Walk-in closetInviting front porchBrick accentsMetal roofButcher block islandStainless steel appliancesTimeless curb appeal
    Just minutes from Lee University and right in the heart of downtown Cleveland, this beautifully updated 5-bedroom, 3-bath property offers the perfect blend of historic character, modern upgrades, and incredible income-producing potential. Whether you're looking for a primary residence, student housing opportunity, multigenerational setup, or short-term rental investment, 2095 Church Street NE delivers flexibility and value in one of Cleveland's most convenient locations. From the moment you arrive, you'll appreciate the home's timeless curb appeal, metal roof, updated exterior finishes, and inviting front porch. Inside, the home is filled with warmth and personality featuring gorgeous hardwood floors, distinctive lighting, crown molding, and thoughtfully designed spaces throughout. The living room centers around a stunning tiled fireplace with an elegant wood mantle, creating the perfect cozy gathering space. French doors lead into a beautifully redesigned kitchen that feels straight out of a magazine. Highlights include quartz countertops, butcher block island, stainless steel appliances, brick accents, open shelving, sleek cabinetry, deep single-basin sink, tile flooring, and a charming eat-in dining area flooded with natural light. The main level features two guest bedrooms and a full bath, while the spacious primary suite offers a true retreat with a custom accent wall, modern fixtures, frosted glass barn door, walk-in closet, and stylish ensuite bath complete with double vessel sinks and updated finishes. Upstairs, you'll find two additional bedrooms with charming gabled ceilings and hardwood flooring that add even more character to the home. One of the standout features of this property is the detached/additional living space offering exceptional flexibility and income potential. Previously utilized as both long-term and short-term rental space, the accessory unit includes a kitchenette with granite countertops, sink, dishwasher, and refrigerator along wit
    52 days
    |
    240
    |
    10
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    Zillow last checked:

    Listing updated:

    Listed by:

    Carla Patton 423-507-7232,

    Silver Key Realty 423-405-5157

    Source: RealTracs MLS as distributed by MLS GRID,MLS#: 3223244MLS Logo

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 5
      • Bathrooms: 3
      • Full bathrooms: 3
      Heating
      • Central, Electric
      Cooling
      • Wall/Window Unit(s), Central Air, Ceiling Fan(s)
      Appliances
      • Included: Dishwasher, Microwave, Range, Refrigerator
      • Laundry: Washer Hookup, Electric Dryer Hookup
      Features
      • Ceiling Fan(s)
      • Flooring: Wood, Laminate, Tile
      • Basement: Crawl Space
      • Number of fireplaces: 1
      Interior area
      • Total structure area: 1,899
      • Total interior livable area: 1,899 sqft
      • Finished area above ground: 1,899

      Property

      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck
      • Has view: Yes
      • View description: City
      Lot
      • Size: 6,969 Square Feet
      • Features: Level
      • Topography: Level
      Details
      • Additional structures: Guest House
      • Parcel number: 049E F 00600 000
      • Special conditions: Standard

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Contemporary
      • Property subtype: Single Family Residence, Residential
      Materials
      • Frame, Vinyl Siding, Other, Brick
      Condition
      • New construction: No
      • Year built: 1940

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Electricity Available, Water Available
      Green energy
      • Energy efficient items: Windows

      Community & HOA

      Community
      • Subdivision: Greenwood Add
      Location
      • Region: Cleveland

      Financial & listing details

      • Price per square foot: $231/sqft
      • Tax assessed value: $207,600
      • Annual tax amount: $1,171
      • Date on market: 5/27/2026
      • Electric utility on property: Yes

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        6/25/2026Price change$439,000-2.2%$231/sqft
        Source: East Tennessee Realtors #1342486 Report a problem
        5/28/2026Listed for sale$449,000-1.5%$236/sqft
        Source: East Tennessee Realtors #1342486 Report a problem
        5/1/2026Listing removed$455,900$240/sqft
        Source: Greater Chattanooga Realtors #1523164 Report a problem
        10/30/2025Listed for sale$455,900-4.8%$240/sqft
        Source: RCAR #20255157 Report a problem
        10/1/2025Listing removed$478,900$252/sqft
        Source: Greater Chattanooga Realtors #1511918 Report a problem
        7/7/2025Price change$478,900-2%$252/sqft
        Source: Greater Chattanooga Realtors #1511918 Report a problem
        4/29/2025Listed for sale$488,900+60.3%$257/sqft
        Source: RCAR #20251886 Report a problem
        3/8/2023Sold$305,000+165.2%$161/sqft
        Source: RCAR #20230986 Report a problem
        4/21/2014Sold$115,000$61/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025-- $51,900 +58.6%
        2024$471 $32,725
        2023$471 +23.9%$32,725 +24.1%
        2022$380 -54.3%$26,375
        2021$832 +10.5%$26,375 +34.6%
        2019$753 +2%$19,600
        2018$739 -0.1%--
        2017$739 -3.1%--
        2016$763 --
        2015$763 --
        2014$763 --
        2013-- --
        2011$675 $20,550
        2009$675 $20,550
        2008-- $20,550 +12.1%
        2007$673 $18,325
        2006$673 $18,325
        2005$673 +15%$18,325 +20%
        2004$585 $15,275
        2003$585 $15,275 +13.8%
        2001-- $13,426 -75%
        2000-- $53,704
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        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.
        See how much you could borrow to make a competitive offer.

        Climate risks

        Neighborhood: 37311

        Getting around

        53 / 100
        Somewhat Walkable
        44 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Mayfield Elementary
        • Middle: Cleveland Middle
        • High: Cleveland High

        Source: RealTracs MLS as distributed by MLS GRID. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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