# 2648 Churchill Downs Circle, Chattanooga, TN 37421

> **TL;DR:** 4bd/3ba single family, $565,000 ($199/sqft), built 1997, 2,845 sqft.
> Spa, Fireplace, Hardwood, A/C. Est. $3,090/mo. Listed 3 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $565,000 |
| Price/sqft | $199 |
| Bedrooms | 4 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,845 |
| Year Built | 1997 |
| Lot Size | 12,632 sqft (0.29 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 3 |

## Why This Home Stands Out

- **Hardwood Floors** - Throughout the home

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $2,857 |
| Estimated Insurance | $165 |
| HOA | $68 |
| **Total** | **$3,090** |

## Nearby Schools

- **Elementary:** Bess T. Shepherd Elementary
- **Middle:** Tyner Middle Academy
- **High:** Tyner Academy

## Key Amenities

- Spa
- Fireplace
- Hardwood
- A/C

## Property Highlights

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

## Description

### Agent 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!

## Location

- **Address:** 2648 Churchill Downs Circle, Chattanooga, TN 37421
- **County:** Hamilton
- **Neighborhood:** Derby Downs Phase I
- **Coordinates:** 35.056871, -85.161654
- **Google Maps:** https://www.google.com/maps?q=35.056871,-85.161654

## Listing Agent

- **Name:** Niki Chambers
- **Brokerage:** Horizon Sotheby's International Realty
- **Phone:** 4233620749

## Primary Photo

![2648 Churchill Downs Circle - Primary Photo](http://lh.rdcpix.com/e4f3ed02541c143ca6580f233f7728a3l-f2598630816r.jpg)

*35 total photos available on [listing page](https://www.propertysimple.ai/listing/2648-churchill-downs-circle-chattanooga-tn-37421-1538421)*

---

**MLS#:** 1538421 | **Updated:** 2026-08-02
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/2648-churchill-downs-circle-chattanooga-tn-37421-1538421)

---

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