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38 photos

$414,900

2095 NE Church St, Cleveland, TN 37311
Cleveland, TN 37311
Listed by Carla Patton · Silver Key Realty
Bedrooms
5
Bathrooms
3
Living area
N/A
Year built
1940

About this home

Just minutes from Lee University and right in the heart of downtown Cleveland, this beautifully updated 5-bedroom, 3-bath property offers the perfect blend of historic character, modern upgrades, and incredible income-producing potential. Whether you're looking for a primary residence, student housing opportunity, multigenerational setup, or short-term rental investment, 2095 Church Street NE delivers flexibility and value in one of Cleveland's most convenient locations. From the moment you arrive, you'll appreciate the home's timeless curb appeal, metal roof, updated exterior finishes, and inviting front porch. Inside, the home is filled with warmth and personality featuring gorgeous hardwood floors, distinctive lighting, crown molding, and thoughtfully designed spaces throughout. The living room centers around a stunning tiled fireplace with an elegant wood mantle, creating the perfect cozy gathering space. French doors lead into a beautifully redesigned kitchen that feels straight out of a magazine. Highlights include quartz countertops, butcher block island, stainless steel appliances, brick accents, open shelving, sleek cabinetry, deep single-basin sink, tile flooring, and a charming eat-in dining area flooded with natural light. The main level features two guest bedrooms and a full bath, while the spacious primary suite offers a true retreat with a custom accent wall, modern fixtures, frosted glass barn door, walk-in closet, and stylish ensuite bath complete with double vessel sinks and updated finishes. Upstairs, you'll find two additional bedrooms with charming gabled ceilings and hardwood flooring that add even more character to the home. One of the standout features of this property is the detached/additional living space offering exceptional flexibility and income potential. Previously utilized as both long-term and short-term rental space, the accessory unit includes a kitchenette with granite countertops, sink, dishwasher, and refrigerator along with a full bath. The property has a strong rental history, with individual bedrooms previously renting for approximately $650/month and the accessory dwelling generating around $1,200/month long-term or averaging approximately $2,600/month as an Airbnb. Situated on a level corner lot with privacy fencing, multiple parking areas, deck and patio space, this property is ideal for entertaining, hosting guests, or maximizing rental functionality. Smart home features including smart locks and smart thermostat systems add convenience and modern appeal. Location is another major advantage. Positioned near Lee University, the property offers quick access to downtown restaurants, coffee shops, shopping, and local events while also providing convenient commuting options. Enjoy easy access to I-75, making travel to Chattanooga approximately 35-40 minutes away and Knoxville roughly an hour north. Outdoor enthusiasts will also appreciate being near hiking, rafting, and recreation opportunities throughout Southeast Tennessee and the nearby Ocoee River area. Properties with this combination of character, versatility, location, and proven income history rarely come available. Whether you're searching for a stylish downtown home, an investment property, or both -- this one deserves a closer look.

Highlights

Fireplace

Property details

MLS
East Tennessee REALTORS® MLS
MLS #
1342486
Property type
Single Family Residence
Subdivision
Greenwood Add
Status
Active
Days on market
140
On market date
May 28, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.16 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
Mayfield Elementary
0.33 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
403
Student:teacher ratio
13.4:1
District
Cleveland
Middle
Ocoee Middle School
0.13 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
4.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,017
Student:teacher ratio
14.5:1
District
Bradley County
High
Cleveland High
1.53 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,780
Student:teacher ratio
18.2:1
District
Cleveland

Walkability

Blended score for Cleveland's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

50
Somewhat walkable
out of 100
EPA National Walkability Index
8.7 / 20 -- Below average walkable
Google Places amenity density
60 / 100
Restaurants & cafes17
Grocery stores0
Parks1
Schools8
Transit stops0
Pharmacies12

Market position

How this listing compares to current activity in Cleveland, from live MLS data.

On the market 140 days -- 48 more days than Cleveland's current average of 92 days.
For reference, the median list price across 81 active listings in Cleveland right now is $400,000.

Mortgage calculator

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Est. monthly payment
$2,649/mo
$82,980 down
$331,920 loan
Principal & interest$2,153
Property tax (est.)$346
Home insurance (est.)$150

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Data source: Listing information provided by East Tennessee REALTORS® MLS via Trestle/CoreLogic. Last updated 14 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.