About This Home

This 4-bedroom, 3-bathroom single family at 2648 Churchill Downs Circle in Chattanooga, TN is listed for $565,000 ($199 per sqft). Built in 1997, the home offers 2,845 sqft of living space on a 0.29 acres lot.

Key Features

  • Built in 1997
  • 0.29 acre lot
  • 2 stories
  • Fireplace

Property Details

2 stories
2 full, 1 half
1997

Amenities

FireplaceSpaHardwoodA/C
Listing 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!

Monthly Cost Estimate

$3,090/mo

20% down · 6.5% · 30 years

Principal$409
Interest$2,448
Insurance$165
HOA$68

Estimates only. Actual payments may vary.

Location

2648 Churchill Downs Circle

Chattanooga, TN 37421

Derby Downs Phase I

Features & Amenities

Interior Features

Breakfast NookConnected Shared BathroomDouble VanityGranite CountersHigh CeilingsHigh Speed InternetOpen FloorplanPantrySeparate Dining RoomSeparate ShowerTub/shower ComboWalk-In Closet(s)Whirlpool Tub

Exterior Features

Fire Pit

Property Details

Flooring

HardwoodTileCarpet

Construction

Brick Vinyl Siding

Pool Features

DeckPatioPorch

Parking

GarageOpen

Heating

CentralNatural Gas

Cooling

ElectricCentral AirMulti Units

Appliances

Stainless Steel Appliance(s)RefrigeratorMicrowaveGas Water HeaterFree-Standing Electric RangeElectric RangeDisposalDishwasher

Questions & Answers

This 4-bedroom, 3-bathroom single family at 2648 Churchill Downs Circle is listed at $565,000 ($199/sqft). The estimated monthly payment is $3,090 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $68/month.

Key features include: Built in 1997, 0.29 acre lot, 2 stories, Fireplace. Interior Features: Breakfast Nook, Connected Shared Bathroom, Double Vanity. Exterior Features: Fire Pit.

This property is listed by Niki Chambers and can be reached at 4233620749.

NC

Niki Chambers

Agent at Horizon Sotheby's International Realty

(423) 362-0749

Listed by Horizon Sotheby's International Realty · View on Broker Site

MLS# 1538421· Source: listhub· 3 days on market

Copyright © 2026 Greater Chattanooga Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

2648 Churchill Downs Circle, Chattanooga, TN 37421

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