*BANK OWNED INVESTMENT OPPORTUNITY WITH TWO LOTS AND A QUADPLEX SETUP!*
Located at 2105 & 2107 Kirby Ave, this unique RN-3 zoned property offers a great opportunity for an investor, developer, or experienced renovator ready to roll up their sleeves and unlock its potential. Originally a single family home, the property was converted and expanded into a quadplex style setup with four separate living spaces, including a rear ADU. The sale includes two lots, giving the next owner even more potential to work with. A substantial amount of renovation work has already been completed throughout the property, including roofing, flooring, drywall, and more. However, the previous owner completed the conversion, additions, and other work without obtaining the required permits. After discussions with the City of Chattanooga, additional work will be required to bring the property into compliance and restore utilities. The City has indicated that a portion of the addition to the main structure will need to be removed. The future status of the rear ADU will depend on the permitting and approval process. This is not a turnkey investment. The next owner will need to put in some work and navigate the permitting process, but with two lots, RN-3 zoning, an existing quadplex style configuration, and substantial improvements already completed, there is plenty of potential here for the right buyer. Property is bank owned and being sold as is. Buyer to independently verify zoning, permitted uses, number of units, square footage, condition, permitting requirements, utility requirements, and all other information deemed important to Buyer. Property includes both 2105 & 2107 Kirby Ave.
For sale
$299,900
2105 Kirby Ave, Chattanooga, TN 37404
13beds
4,100sqft
Duplex
Built in 1930
-- sqft lot
$294,500 Zestimate®
$73/sqft
$-- HOA
What's special
Rear adu
- 5 days
- 739
- 61
Zillow last checked:
Listing updated:
Listed by:
Carter Roberson 423-417-0262,
RE/MAX Renaissance Realtors 423-756-5700
Source: Greater Chattanooga Realtors,MLS#: 1541756
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 13
- Bathrooms: 5
- Full bathrooms: 5
Bedroom
- Description: Bedrooms size approximate
- Level: First
- Area: 180
- Dimensions: 15 x 12
Bedroom
- Level: First
- Area: 180
- Dimensions: 15 x 12
Bedroom
- Level: First
- Area: 180
- Dimensions: 15 x 12
Bathroom
- Level: First
- Area: 80
- Dimensions: 10 x 8
Kitchen
- Level: First
- Area: 225
- Dimensions: 15 x 15
Living room
- Level: First
- Area: 225
- Dimensions: 15 x 15
Heating
- Central
Cooling
- Central Air
Appliances
- Included: Built-In Gas Oven, Built-In Gas Range, Built-In Refrigerator, Electric Oven, Electric Range, Electric Water Heater
- Laundry: Laundry Closet, Electric Dryer Hookup, In Unit, Washer Hookup
Features
- Flooring: Luxury Vinyl
- Has basement: No
- Has fireplace: No
Interior area
- Total structure area: 4,100
- Total interior livable area: 4,100 sqft
- Finished area above ground: 4,100
- Finished area below ground: 0
Property
Parking
- Parking features: Concrete, Driveway, Gravel, Off Street
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch
- Exterior features: Courtyard, Private Entrance
- Pool features: None
- Fencing: Front Yard,Masonry,Partial Cross,Wood
Lot
- Size: 0.3 Acres
- Dimensions: 50 x 134
- Features: Back Yard, City Lot, Front Yard, Rectangular Lot, Subdivided
Details
- Additional structures: None
- Additional parcels included: 2107 Kirby ave
- Parcel number: 146n M 022
Construction
Type & style
- Home type: MultiFamily
- Architectural style: Contemporary,Other
- Property subtype: Duplex
Materials
- Other
- Foundation: Brick/Mortar
- Roof: Asphalt,Shingle
Condition
- New construction: No
- Year built: 1930
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Available, Electricity Connected, Phone Available, Sewer Connected, Water Connected
Community & HOA
Community
- Features: Street Lights
- Security: Smoke Detector(s)
- Subdivision: Kershners
HOA
- Has HOA: No
Location
- Region: Chattanooga
Financial & listing details
- Price per square foot: $73/sqft
- Tax assessed value: $164,400
- Annual tax amount: $1,416
- Date on market: 8/29/2026
- Listing terms: Cash,Conventional,Special Funding
- Inclusions: None
- Road surface type: Asphalt
Estimated market value
$294,500
$280,000 - $309,000
$1,520/mo
Price history
| Date | Event | Price |
|---|---|---|
| 8/29/2026 | Listed for sale | $299,900+0.3%$73/sqft |
Source: Greater Chattanooga Realtors #1541755 Report a problem | ||
| 9/6/2025 | Listing removed | $299,000$73/sqft |
Source:  Exit Realty #1508373 Report a problem | ||
| 8/15/2025 | Listed for sale | $299,000-62.6%$73/sqft |
Source: Greater Chattanooga Realtors #1508373 Report a problem | ||
| 6/26/2025 | Listing removed | $799,900$195/sqft |
Source: Exit Realty #1508373 Report a problem | ||
| 3/17/2025 | Price change | $799,900-9.1%$195/sqft |
Source: Greater Chattanooga Realtors #1508373 Report a problem | ||
| 3/3/2025 | Listed for sale | $879,900+35.4%$215/sqft |
Source: Greater Chattanooga Realtors #1508373 Report a problem | ||
| 3/8/2024 | Listing removed | -- |
Source:  RealTracs MLS as distributed by MLS GRID #2626856 Report a problem | ||
| 3/6/2024 | Listed for sale | $650,000+105%$159/sqft |
Source: RealTracs MLS as distributed by MLS GRID #2626856 Report a problem | ||
| 4/26/2023 | Sold | $317,000+7.5%$77/sqft |
Source: Greater Chattanooga Realtors #1370807 Report a problem | ||
| 3/23/2023 | Contingent | $295,000$72/sqft |
Source: Greater Chattanooga Realtors #1370807 Report a problem | ||
| 3/22/2023 | Listed for sale | $295,000-9.2%$72/sqft |
Source: Greater Chattanooga Realtors #1370807 Report a problem | ||
| 11/1/2022 | Listing removed | -- |
Source: Greater Chattanooga Realtors #1355744 Report a problem | ||
| 8/24/2022 | Price change | $325,000-7.1%$79/sqft |
Source: Greater Chattanooga Realtors #1355744 Report a problem | ||
| 8/9/2022 | Listed for sale | $350,000$85/sqft |
Source: Greater Chattanooga Realtors #1355744 Report a problem | ||
| 6/16/2022 | Contingent | $350,000$85/sqft |
Source: Greater Chattanooga Realtors #1355744 Report a problem | ||
| 6/1/2022 | Listed for sale | $350,000$85/sqft |
Source: Greater Chattanooga Realtors #1355744 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $623 -7.3% | $41,100 +36.9% |
| 2024 | $672 | $30,025 |
| 2023 | $672 | $30,025 |
| 2022 | $672 | $30,025 |
| 2021 | $672 +54.2% | $30,025 +90.6% |
| 2020 | $436 | $15,750 |
| 2019 | $436 | $15,750 |
| 2018 | $436 -52.7% | $15,750 |
| 2017 | $921 +33.9% | $15,750 |
| 2016 | $687 | -- |
| 2015 | $687 | $11,275 |
| 2014 | $687 +17% | -- |
| 2013 | $587 | $11,275 -2.6% |
| 2012 | $587 | $11,575 |
| 2011 | $587 | $11,575 |
| 2010 | $587 +7.9% | $11,575 |
| 2009 | $545 | $11,575 +10.2% |
| 2008 | -- | $10,500 |
| 2007 | -- | $10,500 |
| 2006 | -- | $10,500 |
| 2005 | -- | $10,500 +12% |
| 2004 | -- | $9,375 |
| 2003 | -- | $9,375 |
| 2002 | -- | $9,375 |
| 2001 | -- | $9,375 +24.2% |
| 2000 | -- | $7,550 |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: Ridgedale
Nearby schools
Schools provided by the listing agent
- Elementary: Orchard Knob Elementary
- 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.
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