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Pending
  • $675,000

    3929 Hearthstone Cir, Chattanooga, TN 37415

    4beds
    2,683sqft
    : 
    $3,968/mo
    Get pre-qualified
    SingleFamily
    Built in 2008
    1 Acres Lot
    $675,000 Zestimate®
    $252/sqft
    $71/mo HOA

    Overview

    Highlights: 4BR | 2.5BA | Hardwood main level | Butler’s pantry | Private balcony | Fenced yard | New HVAC (10-yr transferable warranty) Better than new! This beautifully upgraded 4BR/2.5BA home features hardwoods throughout the main level, a stunning chef’s kitchen with granite countertops, custom cabinetry, beadboard ceiling detail, premium KitchenAid appliances, gas range, and a walk-through butler’s pantry. A private balcony offers scenic river and sunset views, while the level, fenced backyard is perfect for relaxing or entertaining—all just minutes from downtown, North Chattanooga, Hixson, and Red Bank. Inside, rich hardwood floors, extensive crown molding, and an elegant staircase set the tone. The spacious family room includes custom built-ins and an 85” Samsung Frame TV that doubles as display artwork as well as a cozy gas fireplace. The airy dining room offers flexibility as a gathering space, office, library, or potential 5th bedroom. Upstairs, the primary suite features a spa-like bath with tiled shower, water closet, and walk-in closet. Three additional bedrooms provide space for guests or work-from-home needs, including one with a private Trex balcony that complements the low-maintenance hardy board exterior. Attic and walk-out storage offer convenient access for seasonal items. Recent major upgrades include brand-new HVAC systems for both levels, each with a 10-year transferable parts and labor warranty. Smart home features, energy-efficient systems, and low HOA fees add everyday comfort and value. The two-car garage includes a bump-out area and Gladiator storage system for added functionality—ideal for a workshop, gym, or extra storage. The landscaped, pesticide-free backyard is pollinator friendly and designated as a National Wildlife Federation Certified Wildlife Habitat. Located in the highly desirable Overlook community, residents enjoy a pool, gazebo, basketball court, and walkable sidewalks. This home offers an exceptional blend of location, comfort, and lifestyle. Full maintenance and renovation records available upon request. Showings by appointment for prequalified buyers only. Buyer’s agents welcome with prequalified buyers; owner is not seeking listing services.
    What the owner loves about this home
    Family-friendly neighborhood with beautiful pool, evenings on the balcony watching the sun set over the mountain, and the beadboard ceiling & butler’s pantry really make the kitchen stand out!
    85 days
    |
    125
    |
    8
    |
    Listed by:

    Property Owner (423) 322-2424

    This property is for sale by owner and Zillow, Inc. is displaying it at the owner's request. It is not subject to a listing agreement with Zillow, Inc. or its affiliates.

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 2
      • 1/2 bathrooms: 1
      Heating
      • Forced air, Gas
      Cooling
      • Central
      Appliances
      • Included: Dishwasher, Freezer, Garbage disposal, Microwave, Range / Oven, Refrigerator
      Features
      • Flooring: Tile, Carpet, Hardwood
      • Basement: None
      • Has fireplace: Yes
      Interior area
      • Total interior livable area: 2,683 sqft

      Property

      Parking
      • Total spaces: 6
      • Parking features: Garage - Attached
      Features
      • Exterior features: Brick, Composition
      • Has view: Yes
      • View description: Water, City, Mountain
      • Has water view: Yes
      • Water view: Water
      Lot
      • Size: 1 Acres
      Details
      • Parcel number: 118FF006

      Construction

      Type & style
      • Home type: SingleFamily
      Materials
      • Roof: Shake / Shingle
      Condition
      • New construction: No
      • Year built: 2008

      Community & HOA

      Community
      • Features: Fifty Five Plus Active Community
      • Senior community: Yes
      HOA
      • Has HOA: Yes
      • HOA fee: $71 monthly
      Location
      • Region: Chattanooga

      Financial & listing details

      • Price per square foot: $252/sqft
      • Tax assessed value: $556,200
      • Annual tax amount: $2,108
      • Date on market: 5/3/2026

        Estimated market value

        $675,000

        $641,000 - $709,000

        $2,893/mo

        Price history

        DateEventPrice
        6/22/2026Sold$675,000$252/sqft
        Source: Greater Chattanooga Realtors #1537275 Report a problem
        5/23/2026Pending sale$675,000$252/sqft
        Source: Owner Report a problem
        5/3/2026Listed for sale$675,000+102.1%$252/sqft
        Source: Owner Report a problem
        4/23/2012Sold$334,000$124/sqft
        Source: Greater Chattanooga Realtors #1171095 Report a problem
        11/24/2011Listed for sale$334,000+1.2%$124/sqft
        Source: RE/MAX Properties North #1171095 Report a problem
        8/24/2010Sold$329,900$123/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$2,108 +8.8%$139,050 +60.6%
        2024$1,937 $86,575
        2023$1,937 $86,575
        2022$1,937 $86,575
        2021$1,937 -17.8%$86,575 +1.6%
        2020$2,356 $85,200
        2019$2,356 $85,200
        2018$2,356 -46.7%$85,200
        2017$4,422 +1.8%$85,200
        2016$4,345 --
        2015$4,345 $83,350
        2014$4,345 +7%--
        2013$4,062 $83,350 +4.1%
        2012$4,062 $80,050
        2011$4,062 $80,050
        2010$4,062 +83.5%$80,050
        2009$2,214 $80,050
        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: Lupton City

        Getting around

        33 / 100
        Car-Dependent
        23 / 100
        Minimal Transit
        21 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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