About This Home

This 3-bedroom, 3-bathroom single family at 540 20th Street NW in Cleveland, TN is listed for $395,000 ($176 per sqft). Built in 1949, the home offers 2,249 sqft of living space on a 0.41 acres lot.

Key Features

  • Built in 1949
  • 0.41 acre lot
  • 2 stories
  • Fireplace

Property Details

2 stories
2 full, 1 half
1949

Amenities

FireplaceHardwoodA/C
Listing Description

STROLL TO LEE UNIVERSITY | CHARMING HISTORIC DISTRICT! In the heart of Cleveland's desirable historic district and just a short walk from Lee University, this beautifully updated home offers the best of both worlds - character and convenience. Once inside, you'll find gleaming hardwood floors leading you through the airy open floor-plan.

The renovated kitchen is a true showcase, featuring stainless steel appliances, granite countertops, farmhouse sink, and a large center island perfect for casual dining or host dinners in the spacious formal dining room. Unwind in the oversized primary suite complete with a walk-in closet and a luxurious en suite bath.

The finished basement adds even more living space with a cozy den, wood-burning fireplace, and a quiet home office - ideal for today's flexible lifestyle. Step outside to a covered patio overlooking the expansive backyard, perfect for relaxing or weekend barbecues. With tasteful updates throughout and a location full of historic character, convenient to dining and night life activities, this home is truly one-of-a-kind.

Monthly Cost Estimate

$2,113/mo

20% down · 6.5% · 30 years

Principal$286
Interest$1,712
Insurance$115

Estimates only. Actual payments may vary.

Location

540 20th Street NW

Cleveland, TN 37311

Wolfe First Add

Features & Amenities

Interior Features

Walk-In Closet(s)Open FloorplanKitchen IslandGranite CountersEat-in KitchenBuilt-in FeaturesCeiling Fan(s)

Exterior Features

Rain Gutters

Property Details

Flooring

TileHardwood

Construction

Vinyl Siding

Parking

DrivewayGarage

Heating

Central

Cooling

Central Air

Appliances

DishwasherDisposalGas Range

Questions & Answers

This 3-bedroom, 3-bathroom single family at 540 20th Street NW is listed at $395,000 ($176/sqft). The estimated monthly payment is $2,112 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1949, 0.41 acre lot, 2 stories, Fireplace. Interior Features: Walk-In Closet(s), Open Floorplan, Kitchen Island. Exterior Features: Rain Gutters.

This property is listed by Jody Gatlin and can be reached at 4236676614.

JG

Jody Gatlin

Agent at Bender Realty

(423) 667-6614

Listed by Bender Realty · View on Broker Site

MLS# 20263410· Source: listhub· 13 days on market

Copyright © 2026 River Counties 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.

540 20th Street NW, Cleveland, TN 37311

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