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For sale
    • Price cut: $6K (7/20)
    $499,000

    4112 Zephyr Ln, Chattanooga, TN 37416

    4beds
    2,429sqft
    : 
    $3,120/mo
    Get pre-qualified
    Single Family Residence
    Built in 2019
    7,405 Square Feet Lot
    $492,800 Zestimate®
    $205/sqft
    $75/mo HOA

    What's special

    Fully fenced backyardMain-floor livingFloored attic for storageCovered deckSoaking tub
    Value, condition, location - 4112 Zephyr Ln delivers all three, with the main-floor living so many retirees are looking for. Built in 2019, this 4-bedroom, 3-bath home sits in the sought-after River Rock Cove community, just minutes from the Tennessee Riverwalk, downtown Chattanooga, and everyday conveniences. Three of the four bedrooms, including the primary suite, are located right on the main floor. The open-concept kitchen, dining, and living space makes single-level living easy and inviting, whether you're hosting family or settling in for a quiet evening. The primary suite is a true retreat, with a soaking tub and beautifully tiled shower that feels like a spa at home. Upstairs, a versatile fourth bedroom with new carpet and a private bath, plus a floored attic for storage, is perfect for visiting family or guests, without adding to your everyday footstep count. Outside, enjoy a fully fenced backyard, covered deck, and fire pit for easy, low-maintenance outdoor living. The community's sidewalk-lined streets and pool make it simple to stay active and connect with neighbors. Low-maintenance, move-in ready, and perfectly located, book your showing today!
    118 days
    |
    468
    |
    20
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Matthew Macaulay 925-234-6847,

    REAL Broker 844-591-7325

    Source: Greater Chattanooga Realtors,MLS#: 1533609

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 3
      • Full bathrooms: 3
      Primary bedroom
      • Level: First
      Bedroom
      • Level: First
      Bedroom
      • Description: Full Bathroom
      • Level: Second
      Primary bathroom
      • Level: First
      Bathroom
      • Description: Full Bathroom
      • Level: First
      Bathroom
      • Description: Full Bathroom
      • Level: Second
      Bonus room
      • Description: Finished
      • Level: Second
      Dining room
      • Level: First
      Laundry
      • Level: First
      Living room
      • Level: First
      Heating
      • Natural Gas
      Cooling
      • Electric, Multi Units
      Appliances
      • Included: Disposal, Dishwasher, Free-Standing Gas Range, Gas Water Heater, Microwave, Refrigerator
      • Laundry: Laundry Room, Main Level
      Features
      • Crown Molding, Double Vanity, Granite Counters, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Storage, Tray Ceiling(s), Walk-In Closet(s), Separate Shower, Tub/shower Combo, En Suite, Plumbed
      • Flooring: Carpet, Tile, Engineered Hardwood
      • Windows: Insulated Windows, Vinyl Frames
      • Has basement: No
      • Number of fireplaces: 1
      • Fireplace features: Gas Starter, Gas Log, Living Room
      Interior area
      • Total structure area: 2,429
      • Total interior livable area: 2,429 sqft
      • Finished area above ground: 2,429

      Property

      Parking
      • Total spaces: 2
      • Parking features: Driveway, Garage, Garage Faces Front, Kitchen Level
      • Attached garage spaces: 2
      Features
      • Levels: Two
      • Patio & porch: Covered, Deck, Patio, Porch, Porch - Covered
      • Exterior features: Fire Pit, Private Yard
      • Fencing: Back Yard,Fenced,Aluminum
      Lot
      • Size: 7,405 Square Feet
      • Dimensions: 60.06 x 124.87
      • Features: Back Yard, Gentle Sloping, Level
      Details
      • Parcel number: 120j F 014

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Stone, Fiber Cement
      • Foundation: Block
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2019

      Utilities & green energy

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

      Community & HOA

      Community
      • Features: Pool, Sidewalks
      • Subdivision: River Rock Cove
      HOA
      • Has HOA: Yes
      • HOA fee: $900 annually
      Location
      • Region: Chattanooga

      Financial & listing details

      • Price per square foot: $205/sqft
      • Tax assessed value: $450,400
      • Annual tax amount: $3,482
      • Date on market: 5/2/2026
      • Listing terms: Cash,Conventional,VA Loan

        Estimated market value

        $492,800

        $468,000 - $517,000

        $2,780/mo

        Price history

        DateEventPrice
        7/20/2026Price change$499,000-1.2%$205/sqft
        Source: Greater Chattanooga Realtors #1533609 Report a problem
        7/3/2026Price change$505,000-6.3%$208/sqft
        Source: Greater Chattanooga Realtors #1533609 Report a problem
        5/2/2026Listed for sale$539,000-0.2%$222/sqft
        Source: Greater Chattanooga Realtors #1533609 Report a problem
        12/2/2025Listing removed$540,000$222/sqft
        Source: Greater Chattanooga Realtors #1521132 Report a problem
        11/14/2025Price change$540,000-1.8%$222/sqft
        Source: Greater Chattanooga Realtors #1521132 Report a problem
        9/25/2025Listed for sale$550,000+59.7%$226/sqft
        Source: Greater Chattanooga Realtors #1521132 Report a problem
        2/7/2019Sold$344,349+566.2%$142/sqft
        Source: Public Record Report a problem
        7/3/2018Sold$51,690-46.2%$21/sqft
        Source: Public Record Report a problem
        6/30/2017Sold$96,000$40/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$1,707 -1.7%$112,600 +45.1%
        2024$1,736 $77,600
        2023$1,736 $77,600
        2022$1,736 $77,600
        2021$1,736 -15.6%$77,600 +29.7%
        2020$2,057 +24.3%$59,850 +378.8%
        2019$1,655 +378.8%$12,500
        2018$346 -45.2%$12,500
        2017$630 +10.4%$12,500
        2016$571 --
        2015$571 $11,250
        2014$571 --
        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.
        See how much you could borrow to make a competitive offer.
        Get pre-qualified

        Climate risks

        Neighborhood: 37416

        Getting around

        14 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        27 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Harrison Elementary
        • Middle: Brown Middle
        • High: Central 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.

        A local agent can set up tours, give advice and negotiate with sellers.

        A local lender can help you make sure your offer is ready when you are.

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