For sale

$165,000

449 S Elm St, Whitwell, TN 37397

3beds

1,560sqft

$1,044/mo

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Single Family Residence

Built in 1918

1.2 Acres Lot

$-- Zestimate^®

$106/sqft

$-- HOA

What's special

Two gas log fireplacesFull of character

Charming 1918 home situated on a spacious 1.2 acre lot overlooking the city of Whitwell with beautiful mountain views from the front porch. Full of character and potential, this property offers a great opportunity for someone ready to make it their own with cosmetic updates and personal touches. Whether you're looking for a primary residence, investment property, or future rental, the possibilities here are endless. Major improvements already completed include a roof and electrical breaker panel approximately 4 years old, updated HVAC ductwork, and an updated bathroom featuring a handicap-accessible tub/shower combo. Two gas log fireplaces provide additional warmth and backup heat. Enjoy the privacy and space of the oversized lot while still being conveniently located near town.

90 days

1,347

125

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 1
Full bathrooms: 1

Primary bedroom

Level: First

Bedroom

Level: First

Dining room

Level: First

Kitchen

Level: First

Laundry

Level: First

Heating

Central

Cooling

Ceiling Fan(s), Electric, Window Unit(s)

Appliances

Included: Electric Range, Electric Water Heater, Free-Standing Electric Range, Free-Standing Refrigerator, Washer, Washer/Dryer, Water Heater
Laundry: Inside, Laundry Room, Main Level, Washer Hookup

Features

Ceiling Fan(s), Eat-in Kitchen, High Speed Internet, Tub/shower Combo, Separate Dining Room, Plumbed
Flooring: Hardwood, Linoleum, Plank
Windows: Aluminum Frames, Wood Frames
Has basement: No
Has fireplace: Yes
Fireplace features: Bedroom, Family Room, Gas Log, Primary Bedroom

Interior area

Total structure area: 1,560
Total interior livable area: 1,560 sqft
Finished area above ground: 1,560

Property

Parking

Total spaces: 1
Parking features: Driveway, Garage, Gravel, Off Street, Garage Faces Rear, Kitchen Level
Garage spaces: 1

Features

Levels: One
Stories: 1
Patio & porch: Covered, Front Porch, Side Porch, Porch - Covered
Exterior features: Rain Gutters, Storage
Pool features: None
Spa features: None
Fencing: Back Yard,Fenced,Wire

Lot

Size: 1.2 Acres
Dimensions: 133 x 328 IRR
Features: Back Yard, Cleared, City Lot, Few Trees, Front Yard, Irregular Lot, Sloped Down, Views

Details

Additional structures: Garage(s), Outbuilding
Parcel number: 050g A 03200 000
Special conditions: Standard

Construction

Type & style

Home type: SingleFamily
Architectural style: Ranch
Property subtype: Single Family Residence

Materials

Block, Vinyl Siding
Foundation: Block, Pillar/Post/Pier
Roof: Shingle

Condition

New construction: No
Year built: 1918

Utilities & green energy

Sewer: Septic Tank
Water: Public
Utilities for property: Cable Available, Electricity Connected, Natural Gas Available, Phone Available, Sewer Not Available, Water Connected

Community & HOA

Community

Security: Fire Alarm, Smoke Detector(s)
Subdivision: None

HOA

Has HOA: No

Location

Region: Whitwell

Financial & listing details

Price per square foot: $106/sqft
Tax assessed value: $138,700
Annual tax amount: $901
Date on market: 5/21/2026
Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
Road surface type: Asphalt

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
5/21/2026	Listed for sale	$165,000-7.6%$106/sqft
Source: Greater Chattanooga Realtors #1535195 Report a problem
4/29/2026	Listing removed	$178,500$114/sqft
Source: Greater Chattanooga Realtors #1523159 Report a problem
10/30/2025	Listed for sale	$178,500$114/sqft
Source: Greater Chattanooga Realtors #1523159 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$901	$34,675
2024	$901	$34,675
2023	$901	$34,675
2022	$901	$34,675
2021	--	$34,675 +97.9%
2020	$557	$17,525
2019	$557 +14.4%	$17,525
2018	$487 +0%	$17,525
2017	$487	$17,525
2016	$487 +1.8%	$17,525
2015	$479	$17,525 +1.3%
2014	$479	$17,301
2013	$479 +5.2%	$17,301 +3.4%
2012	$455 +0.1%	$16,731
2011	$454	$16,731
2010	--	$16,731
2009	--	$16,731 +1.6%
2008	$403	$16,461
2007	$403 +8.5%	$16,461 +16.5%
2006	$372	$14,129
2005	$372 +12.9%	$14,129
2004	$329 -11.2%	$14,129 -7.8%
2002	$371	$15,328 +10.5%
2001	--	$13,876 -70%
2000	--	$46,229

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

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.

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Climate risks

Neighborhood: 37397

Getting around

37 / 100

Car-Dependent

22 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

6/10
Whitwell Elementary School
Grades: PK-4Distance: 1.5 mi
8/10
Whitwell Middle School
Grades: 5-8Distance: 1.7 mi
6/10
Whitwell High School
Grades: 9-12Distance: 1.6 mi

Schools provided by the listing agent

Elementary: Whitwell Elementary
Middle: Whitwell Middle
High: Whitwell 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.