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For sale
    • $565,000

    2648 Churchill Downs Cir, Chattanooga, TN 37421

    4beds
    2,845sqft
    : 
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    Single Family Residence
    Built in 1997
    0.29 Acres Lot
    $547,600 Zestimate®
    $199/sqft
    $23/mo HOA

    What's special

    Convenient half bathIn-ground poolGenerous living spaceFunctional floor planStainless steel appliancesFully fenced outdoor spaceAbundance of natural light
    Nestled in the quiet, well-established Derby Downs neighborhood, this home offers the perfect blend of comfort and convenience. Known for its welcoming atmosphere, beautifully maintained homes, and easy access to parks, shopping, dining, everyday amenities, and local schools, Derby Downs is a wonderful place to call home. This inviting 4-bedroom, 2.5-bath residence offers generous living space, a functional floor plan, and a backyard designed for relaxing, entertaining, and making lasting memories with family and friends. Step inside to a welcoming two-story foyer with beautiful hardwood floors and an abundance of natural light. The spacious living room features a cozy brick gas fireplace and flows seamlessly into the kitchen and breakfast area, creating an ideal space for everyday living and entertaining. The kitchen combines style and function with granite countertops, custom cabinetry, stainless steel appliances, and a pantry. The main level also offers a flexible room that's perfect for a home office, playroom, or guest room. In addition, there is a formal dining room that could also serve as a keeping room or second living area. A mudroom, laundry room, and convenient half bath complete the main floor. Upstairs, you'll find three additional bedrooms, including a spacious primary suite with a walk-in closet and private bath. A second full bath and a large bonus room offer endless possibilities as a media room, playroom, home gym, hobby space, or a possible fifth bedroom if desired. The backyard is where this home truly shines. The fully fenced outdoor space is thoughtfully designed for both relaxation and entertaining, featuring an in-ground pool, a spacious patio for grilling and gatherings, a hot tub tucked beneath a pergola, and a fire pit perfect for enjoying cool evenings. Offering spacious living areas, flexible spaces to fit your lifestyle, and an outdoor retreat you'll enjoy year-round, this Derby Downs home is ready to welcome its next owners. Conveniently located near shopping, dining, parks, and major commuter routes, it combines everyday comfort with exceptional convenience. Schedule your private showing today!
    9 days
    |
    1,376
    |
    96
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Niki Chambers 423-362-0749,

    Horizon Sotheby's International Realty 423-756-9999

    Source: Greater Chattanooga Realtors,MLS#: 1538421

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      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: Second
      Bedroom
      • Level: Second
      Bedroom
      • Level: Second
      Bedroom
      • Description: Bonus Room used as bedroom
      • Level: Second
      Bathroom
      • Description: Full Bathroom
      • Level: Second
      Bathroom
      • Description: Full Bathroom
      • Level: Second
      Other
      • Level: First
      Dining room
      • Description: can be used as keeping room
      • Level: First
      Laundry
      • Description: large pantry/ mudroom connected
      • Level: First
      Living room
      • Level: First
      Office
      • Description: can be used as bedroom
      • Level: First
      Heating
      • Central, Natural Gas
      Cooling
      • Central Air, Electric, Multi Units
      Appliances
      • Included: Disposal, Dishwasher, Electric Range, Free-Standing Electric Range, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliance(s)
      • Laundry: Electric Dryer Hookup, Gas Dryer Hookup, Laundry Room, Washer Hookup
      Features
      • Double Vanity, Granite Counters, High Ceilings, High Speed Internet, Open Floorplan, Pantry, Walk-In Closet(s), Separate Shower, Tub/shower Combo, Breakfast Nook, Separate Dining Room, Whirlpool Tub, Connected Shared Bathroom
      • Flooring: Carpet, Hardwood, Tile
      • Windows: Insulated Windows
      • Basement: Crawl Space
      • Number of fireplaces: 1
      • Fireplace features: Gas Log, Living Room
      Interior area
      • Total structure area: 2,845
      • Total interior livable area: 2,845 sqft
      • Finished area above ground: 2,845

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage, Garage Door Opener, Garage Faces Front, Kitchen Level
      • Attached garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Deck, Patio, Porch
      • Exterior features: Fire Pit
      • Pool features: In Ground
      • Spa features: Above Ground
      • Fencing: Fenced
      Lot
      • Size: 0.29 Acres
      • Dimensions: 90.58 x 138.0
      • Features: Level
      Details
      • Additional structures: Pergola
      • Parcel number: 138e B 022

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Other
      • Property subtype: Single Family Residence
      Materials
      • Brick, Other, Vinyl Siding
      • Foundation: Block
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 1997

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Available, Phone Available, Sewer Connected, Underground Utilities

      Community & HOA

      Community
      • Features: Street Lights, Sidewalks
      • Security: Smoke Detector(s)
      • Subdivision: Derby Downs Phase I
      HOA
      • Has HOA: Yes
      • HOA fee: $68 quarterly
      Location
      • Region: Chattanooga

      Financial & listing details

      • Price per square foot: $199/sqft
      • Tax assessed value: $462,900
      • Annual tax amount: $3,987
      • Date on market: 7/9/2026
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Inclusions: Dishwasher; Disposal; Free-Standing Electric Range; New Gas Water Heater; Microwave; Outdoor Hot Tub

        Estimated market value

        $547,600

        $520,000 - $575,000

        $2,805/mo

        Price history

        DateEventPrice
        7/9/2026Listed for sale$565,000+50.7%$199/sqft
        Source: Greater Chattanooga Realtors #1538421 Report a problem
        1/8/2021Sold$375,000$132/sqft
        Source: Greater Chattanooga Realtors #1328356 Report a problem
        1/8/2021Pending sale$375,000$132/sqft
        Source: Keller Williams #1328356 Report a problem
        12/24/2020Contingent$375,000$132/sqft
        Source: Keller Williams via MLS #1328356 Report a problem
        12/9/2020Pending sale$375,000$132/sqft
        Source: Keller Williams Realty #1328356 Report a problem
        12/8/2020Listed for sale$375,000+21%$132/sqft
        Source: Keller Williams Realty #1328356 Report a problem
        4/28/2017Sold$310,000-4.6%$109/sqft
        Source: Greater Chattanooga Realtors #1259672 Report a problem
        3/16/2017Pending sale$325,000$114/sqft
        Source: Berkshire Hathaway HomeServices Realty Center #1259672 Report a problem
        2/23/2017Listed for sale$325,000+42.7%$114/sqft
        Source: Berkshire Hathaway HomeServices Realty Center #20170910 Report a problem
        11/1/2002Sold$227,800+8.5%$80/sqft
        Source: Public Record Report a problem
        4/21/1998Sold$210,000$74/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$1,754 -6.3%$115,725 +38.3%
        2024$1,873 $83,700
        2023$1,873 $83,700
        2022$1,873 $83,700
        2021$1,873 -5.8%$83,700 +16.4%
        2020$1,989 $71,925
        2019$1,989 $71,925
        2018$1,989 -47%$71,925
        2017$3,753 +3.2%$71,925
        2016$3,637 --
        2015$3,637 $69,400
        2014$3,637 +1.3%--
        2013$3,589 $69,400 -1.9%
        2012$3,589 $70,725
        2011$3,589 $70,725
        2010$3,589 +7.9%$70,725
        2009$3,327 $70,725 +12.6%
        2008-- $62,825
        2007-- $62,825
        2006-- $62,825
        2005-- $62,825 +11.7%
        2004-- $56,225
        2003-- $56,225
        2002-- $56,225
        2001-- $56,225 +16.7%
        2000-- $48,175
        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.
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        Climate risks

        Neighborhood: 37421

        Getting around

        20 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        26 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Bess T. Shepherd Elementary
        • Middle: Tyner Middle Academy
        • High: Tyner Academy

        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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