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About This Home

This 5-bedroom, 3-bathroom single family at 2095 NE Church St in Cleveland, TN is listed for $449,000 ($236 per sqft). Built in 1940, the home offers 1,899 sqft of living space on a 0.16 acres lot.

Agent Description

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.

Key Features

  • Built in 1940
  • 0.16 acre lot
  • Fireplace

Property Details

3 full
1940

Amenities

FireplaceViewHardwoodA/C

Monthly Cost Estimate

$2,401/mo

20% down · 6.5% · 30 years

Principal$325
Interest$1,946
Insurance$131

Estimates only. Actual payments may vary.

Location

2095 NE Church St

Cleveland, TN 37311

Greenwood Add

Property Details

Flooring

TileLaminateHardwood

Construction

Vinyl Siding Brick Frame

Views

City

Pool Features

Deck

Parking

Off Street

Heating

CentralElectric (Heating)

Cooling

Central AirWall Unit(s)Ceiling Fan(s)

Appliances

DishwasherMicrowaveRangeRefrigerator

Questions & Answers

This 5-bedroom, 3-bathroom single family at 2095 NE Church St is listed at $449,000 ($236/sqft). The estimated monthly payment is $1,946 based on 20% down at 6.5% interest.

Key features include: Built in 1940, 0.16 acre lot, Fireplace.

This property is listed by Carla Patton and can be reached at 4235077232 or carla@silverkeycompanies.com.

CP

Carla Patton

Agent at Silver Key Realty

(423) 507-7232

Listed by Silver Key Realty · View on Broker Site

MLS# 1342486· Source: listhub· Updated 5 days ago

Copyright © 2026 East Tennessee Realtors®. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

2095 NE Church St, Cleveland, TN 37311

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