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Pending
  • Price cut: $5K (6/15)
    $405,000

    3523 Valley Trl, Chattanooga, TN 37415

    4beds
    2,231sqft
    : 
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    Single Family Residence
    Built in 1966
    0.31 Acres Lot
    $398,000 Zestimate®
    $182/sqft
    $10/mo HOA

    What's special

    Welcome to your updated, move-in-ready haven at 3523 Valley Trail in the highly sought-after Red Bank area, nestled at the base of Signal Mountain within walking distance of Red Bank schools. This all-brick tri-level home in the welcoming Spring Valley neighborhood offers over 2,200 sq ft of versatile living space featuring 4 spacious bedrooms and multiple baths. Thoughtfully designed as a true multigenerational family home, it comfortably accommodates everyone from young children to grandparents. The beautifully renovated kitchen boasts modern finishes, abundant counter space, and an open layout that seamlessly flows into the dining area--perfect for family meals, holiday gatherings, or casual weeknight dinners. Throughout the home, you'll find fresh updates, new energy-efficient windows that fill rooms with natural light while helping lower utility bills, and plentiful storage solutions for keeping everything organized and clutter-free. Enjoy two flexible living areas: one bright and airy space with large windows that invite sunshine and create an open, welcoming feel; the other, complete with a cozy gas fireplace, opens directly to a covered and screened back patio--ideal for year-round enjoyment, bug-free outdoor entertaining, or relaxing by the warm glow of the fire on cool evenings. Outside, the fully fenced backyard provides a serene private retreat, thoughtfully enhanced with mature trees, vibrant flowers, and lush plantings that offer excellent summer privacy. A smaller fenced corner section is perfect for a vegetable garden, flower bed, or secure pet area. A large, well-maintained outbuilding delivers generous extra storage or functions beautifully as a workshop, hobby space, or home gym. The oversized two-car garage adds convenience, vehicle protection, and additional storage. Set in the established Spring Valley community-renowned for its peaceful suburban feel, abundant mature trees, and prime location in the desirable 37415 zip code-this home is zoned for highly regarded Red Bank schools, ensuring excellent local education options. Its position offers easy access to the neighborhood pool, Signal Mountain's scenic beauty, nearby parks, and Chattanooga's conveniences. This refreshed gem blends smart modern updates with timeless charm--don't miss your chance to call it home! Schedule your private tour today.
    129 days
    |
    852
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    31
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    Zillow last checked:

    Listing updated:

    Listed by:

    Patrick Babb 423-681-5959,

    Zach Taylor - Chattanooga 855-261-2233

    Source: Greater Chattanooga Realtors,MLS#: 1529467

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Primary bedroom
      • Level: Third
      Bedroom
      • Level: Third
      Bedroom
      • Level: Third
      Bedroom
      • Level: Third
      Bathroom
      • Description: Full Bathroom
      • Level: Third
      Bathroom
      • Description: Full Bathroom
      • Level: Third
      Other
      • Level: First
      Dining room
      • Level: Second
      Family room
      • Level: First
      Laundry
      • Description: Closet
      • Level: First
      Living room
      • Level: Second
      Heating
      • Natural Gas
      Cooling
      • Central Air, Electric
      Appliances
      • Included: Convection Oven, Dishwasher, Gas Range, Refrigerator
      • Laundry: Laundry Closet, Electric Dryer Hookup, Gas Dryer Hookup, Inside, Washer Hookup
      Features
      • Entrance Foyer, Open Floorplan, Pantry, Recessed Lighting, Breakfast Room, Separate Dining Room
      • Flooring: Hardwood, Tile
      • Windows: Vinyl Frames
      • Has basement: Yes
      • Number of fireplaces: 1
      • Fireplace features: Den, Family Room, Gas Log
      Interior area
      • Total structure area: 2,231
      • Total interior livable area: 2,231 sqft
      • Finished area above ground: 2,231

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Garage, Garage Faces Front, Kitchen Level
      • Attached garage spaces: 2
      Features
      • Levels: Tri-Level
      • Patio & porch: Covered, Rear Porch, Screened
      • Exterior features: Storage
      • Fencing: Fenced,Full,Gate,Aluminum
      • Has view: Yes
      • View description: Mountain(s)
      Lot
      • Size: 0.31 Acres
      • Dimensions: 75 x 175.4
      • Features: Back Yard, Landscaped, Level, Native Plants, Rectangular Lot
      Details
      • Additional structures: Kennel/Dog Run, Outbuilding, Shed(s), Workshop
      • Parcel number: 108k B 028

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Other
      • Property subtype: Single Family Residence
      Materials
      • Brick
      • Foundation: Block
      • Roof: Shingle
      Condition
      • Updated/Remodeled
      • New construction: No
      • Year built: 1966

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Natural Gas Connected, Phone Connected, Sewer Connected, Water Connected

      Community & HOA

      Community
      • Features: Pool, Pond
      • Security: Smoke Detector(s)
      • Subdivision: Spring Valley Unit 1
      HOA
      • Has HOA: Yes
      • Amenities included: Pond Year Round
      • HOA fee: $125 annually
      Location
      • Region: Chattanooga

      Financial & listing details

      • Price per square foot: $182/sqft
      • Tax assessed value: $371,600
      • Annual tax amount: $2,291
      • Date on market: 3/29/2026
      • Listing terms: Cash,Conventional,FHA,VA Loan

        Estimated market value

        $398,000

        $378,000 - $418,000

        $2,648/mo

        Price history

        DateEventPrice
        6/25/2026Pending sale$405,000$182/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        6/15/2026Price change$405,000-1.2%$182/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        5/20/2026Price change$410,000-2.4%$184/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        4/13/2026Price change$420,000-3.4%$188/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        3/29/2026Listed for sale$435,000$195/sqft
        Source: eXp Realty #1529467 Report a problem
        3/15/2026Pending sale$435,000$195/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        3/13/2026Listed for sale$435,000$195/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        3/8/2026Pending sale$435,000$195/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        3/5/2026Listed for sale$435,000+222.2%$195/sqft
        Source: Greater Chattanooga Realtors #1529467 Report a problem
        9/27/2013Sold$135,000-15.6%$61/sqft
        Source: Greater Chattanooga Realtors #1187623 Report a problem
        12/7/2012Listed for sale$160,000$72/sqft
        Source: Keller Williams Realty Cleveland #20125280 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$1,408 +23.2%$92,900 +81.9%
        2024$1,143 $51,075
        2023$1,143 $51,075
        2022$1,143 $51,075
        2021$1,143 +5.9%$51,075 +30.9%
        2020$1,079 $39,025
        2019$1,079 $39,025
        2018$1,079 -48.5%$39,025
        2017$2,094 -3.6%$39,025
        2016$2,172 --
        2015$2,172 $40,525
        2014$2,172 +0.2%--
        2013$2,168 $40,525 -5.1%
        2012$2,168 $42,725
        2011$2,168 $42,725
        2010$2,168 +7.9%$42,725
        2009$2,010 $42,725 +36.7%
        2008-- $31,250
        2007-- $31,250
        2006-- $31,250
        2005-- $31,250 +2.5%
        2004-- $30,475
        2003-- $30,475
        2002-- $30,475
        2001-- $30,475 +27.6%
        2000-- $23,875

        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: 37415

        Getting around

        14 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        22 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Red Bank Elementary
        • Middle: Red Bank Middle
        • High: Red Bank High School

        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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