Address
2648 Churchill Downs Circle, Chattanooga, TN
Price
$ 509,000
Property Attributes
- MLS#1538421
- TypeSingle Family
- Listing Status Contingent
- CountyHamilton
- CityChattanooga
- AreaChattanooga
- NeighborhoodDerby Downs Phase I
- Zip37421
- StyleOther
- Year Built1997
- Taxes$ 3987
- Price$ 509,000
- Bedrooms4
- Full Bathrooms2
- Half Bathrooms1
- Sqr Footage2845
- Lot Size0.29 Acres
Data Source:
Greater Chattanooga MLS (GCAR)
Property Description
Nestled in the quiet, well-established Derby Downs neighborhood, this home offers the perfect blend of comfort and convenience. Known for its welcoming atmosphere, beautifully maintained homes, and easy access to parks, shopping, dining, everyday amenities, and local schools, Derby Downs is a wonderful place to call home. This inviting 4-bedroom, 2.5-bath residence offers generous living space, a functional floor plan, and a backyard designed for relaxing, entertaining, and making lasting memories with family and friends. Step inside to a welcoming two-story foyer with beautiful hardwood floors and an abundance of natural light. The spacious living room features a cozy brick gas fireplace and flows seamlessly into the kitchen and breakfast area, creating an ideal space for everyday living and entertaining. The kitchen combines style and function with granite countertops, custom cabinetry, stainless steel appliances, and a pantry. The main level also offers a flexible room that's perfect for a home office, playroom, or guest room. In addition, there is a formal dining room that could also serve as a keeping room or second living area. A mudroom, laundry room, and convenient half bath complete the main floor. Upstairs, you'll find three additional bedrooms, including a spacious primary suite with a walk-in closet and private bath. A second full bath and a large bonus room offer endless possibilities as a media room, playroom, home gym, hobby space, or a possible fifth bedroom if desired. The backyard is where this home truly shines. The fully fenced outdoor space is thoughtfully designed for both relaxation and entertaining, featuring an in-ground pool, a spacious patio for grilling and gatherings, a hot tub tucked beneath a pergola, and a fire pit perfect for enjoying cool evenings. Offering spacious living areas, flexible spaces to fit your lifestyle, and an outdoor retreat you'll enjoy year-round, this Derby Downs home is ready to welcome its next owners. Conveniently located near shopping, dining, parks, and major commuter routes, it combines everyday comfort with exceptional convenience. Schedule your private showing today!
| Price History | |
|---|---|
| 7/9/2026 | Listed $565,000 |
| 7/22/2026 | 3$549,000 |
| 7/28/2026 | 5$525,000 |
| 8/22/2026 | 4$509,000 |
General Features
| Sewer | Public Sewer |
|---|---|
| Heating | Central,Natural Gas |
| Cooling | Central Air,Electric,Multi Units |
| Utilities | Cable Available,Electricity Available,Phone Available,Sewer Connected,Underground Utilities |
| Possession | Close Of Escrow |
| Roof | Shingle |
| Appliances | Stainless Steel Appliance(s),Refrigerator,Microwave,Gas Water Heater,Free-Standing Electric Range,Electric Range,Disposal,Dishwasher |
| HOA Fee | 68 |
| Garage Spaces | 2 |
| Patio/Porch Features | Deck,Patio,Porch |
| Architectural Style | Other |
| Pool Features | In Ground |
| Security Features | Smoke Detector(s) |
| Construction Materials | Brick,Vinyl Siding,Other |
| Year Built | 1997 |
| Stories Count | 2 |
| Levels | Two |
| Property Subtype | Single Family Residence |
| Community Features | Sidewalks,Street Lights |
| Assoc Fee Paid Per | Quarterly |
| County | Hamilton |
| New Construction | false |
| Property Type | Residential |
| HOA | true |
| Attached Garage | true |
| Subdivision Name | Derby Downs Phase I |
| Garage Y/N | true |
| Other Structures | Pergola |
| Total Rooms | 9 |
| Full Baths | 2 |
| Status | Contingent |
| Directions | I-75 N toward Knoxville --> EXIT 4 to TN-153 N --> EXIT 1 onto Lee Hwy --> RIGHT on Lee Hwy --> SLIGHT LEFT on Hickory Valley Rd. --> LEFT Derby Downs Dr. --> LEFT on Churchill Downs Cir. |
| High School | Tyner Academy |
| City | Chattanooga |
| Senior Community Y/N | false |
| MLS Area | Chattanooga |
| Lot Size Units | Acres |
| Lot Size Square Feet | 12632.4 |
| Carport Y/N | false |
| Listing Terms | Cash,Conventional,FHA,VA Loan |
| Spa Features | Above Ground |
| Elementary School | Bess T. Shepherd Elementary |
| Land Lease Y/N | No |
| Tax Annual Amount | 3987.54 |
| Home Warranty Y/N | false |
| Middle/Junior High School | Tyner Middle Academy |
| Lease Renewal Y/N | No |
| MLS Area Minor | Chattanooga |
| Additional Parcels Y/N | false |
| Lease Considered Y/N | No |
| Rent Control Y/N | No |
| Structure Type | Free Standing Building |
| Standard Status | Pending |
| Occupancy Type | Owner |
| MobileHomeRemainsYN | No |
| Legal Description | LT 49 DERBY DOWNS PHASE 1 PB46 PG12 4 OUT OF 138E-A-12 FOR 1992 |
| Sewer_co_Public_sp_Sewer | true |
| Heating_co_Central | true |
| Utilities_co_Cable_sp_Available | true |
| Utilities_co_Electricity_sp_Available | true |
| Utilities_co_Underground_sp_Utilities | true |
Interior Features
| Interior Amenities | Breakfast Nook,Connected Shared Bathroom,Double Vanity,Granite Counters,High Ceilings,High Speed Internet,Open Floorplan,Pantry,Separate Dining Room,Separate Shower,Tub/shower Combo,Walk-In Closet(s), |
|---|---|
| Basement | Crawl Space |
| Flooring | Carpet,Hardwood,Tile |
| Total Fireplaces | 1 |
| Fireplace Features | Gas Log,Living Room |
| Basement (Y/N) | false |
| Air Conditioning Y/N | true |
| Heating Y/N | true |
| Window Features | Insulated Windows |
| Fireplace Y/N | true |
| Above Grade Finished Area | 2845 |
| Half Baths | 1 |
| Laundry Features | Electric Dryer Hookup,Gas Dryer Hookup,Laundry Room,Washer Hookup |
| Total Bedrooms | 4 |
| LivingAreaSource | Tax Records |
| Total Baths | 3 |
Exterior Features
| Exterior Amenities | Fire Pit |
|---|---|
| Fencing | Fenced |
| Parking Features | Garage,Garage Door Opener,Garage Faces Front,Kitchen Level |
| Lot Features | Level |
| Water Source | Public |
| Inclusions | Dishwasher; Disposal; Free-Standing Electric Range; New Gas Water Heater; Microwave; Outdoor Hot Tub |
| Lot Size Area | 0.29 |
| Foundation Details | Block |
| Spa | No |
| Building Area Total | 2845 |
| Lot Dimensions | 90.58X138.0 |
| Lot Size Acres | 0.29 |
| Waterfront Y/N | false |
| Crops Included Y/N | No |
| Horse Y/N | No |
| Irrigation Water Rights Y/N | No |
Amenities
- Foreclosure
- Views
- Short Sale
- New Construction
- Adult 55+
- Lease To Own
- No HOA Fees
- Furnished
- Primary On Main
- Air Conditioning
- Seller Finance
- Green
- Fixer Upper
- Horse
- Golf
- Fireplace
- Deck
- Garage
- Basement
- Pool
Property vs Single Family Average in 37421
Price
Taxes
Year Built
©2026 Georgia Multiple Listing Service All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may
© 2026 Chattanooga Association of Realtors. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes from the Chattanooga Association of Realtors and the Broker Reciprocity Program.sm. Real estate listings held by brokerage firms other than Dixon Homes Realty are marked with the BR logo and detailed information about them includes the name of the listing brokers. Listing broker has attempted to offer accurate data,
