Cottage / Storybook home in Chattanooga, TN
A Cottage home in Chattanooga, TN, it offers 3 bedrooms and 2 bathrooms across 1,674 square feet. Its Cottage character defines the property's look.
| Price | $389,900 |
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| Beds | 3 |
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| Baths | 2 |
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| Sqft | 1674 |
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| Architectural style | Cottage / Storybook (47% match) |
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| Address | 3214 Rosemont Drive, Chattanooga, TN 37411 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Links directly to the original source listing on Estately.
Is this a good buy?
Priced above comparable homes.
- At $390K, this home is 20% above the $325K median for 161 similar Cottage / Storybook homes in Chattanooga, TN.
- That works out to $233 per square foot, 5% above the $221 comparable rate.
- On the market 16 days.
| This home | $389,900 |
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| Cottage / Storybook median in Chattanooga, TN | $325,000 (161 homes) |
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| Price per sq ft | $233 vs. $221 comps median |
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Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $2,498/month with 20% down at a 7.28% 30-year fixed rate. You would need about $107,061 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,134/mo |
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| Property tax (new-buyer reassessed rate) | $218/mo |
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| Homeowners insurance | $146/mo |
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| Total monthly | $2,498/mo |
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| Down payment (20%) | $77,980 |
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| Income needed | $107,061/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home B- (66 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | B- (66/100) |
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| Beats renting in | 20% of modeled paths |
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| Modeled 5-yr equity (median) | $192,104 |
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| Range (10th to 90th pct) | $115,989 to $282,771 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Chattanooga, TN where local data is thin.
Local home values
Typical home values in Chattanooga, TN have risen about 24% over the past 5 years (0% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
View this home on Estately