# 540 20th Street NW, Cleveland, TN 37311

> **TL;DR:** 3bd/3ba single family, $395,000 ($176/sqft), built 1949, 2,249 sqft.
> Fireplace, Hardwood, A/C. Est. $2,112/mo. Listed 13 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $395,000 |
| Price/sqft | $176 |
| Bedrooms | 3 |
| Bathrooms | 2 full, 1 half |
| Square Feet | 2,249 |
| Year Built | 1949 |
| Lot Size | 17,860 sqft (0.41 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 13 |

## Why This Home Stands Out

- **Hardwood Floors** - Throughout the home

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Principal & Interest (20% down, 30-year at 6.5%) | $1,997 |
| Estimated Insurance | $115 |
| **Total** | **$2,112** |

## Nearby Schools

- **Elementary:** Arnold
- **Middle:** Cleveland
- **High:** Cleveland

## Key Amenities

- Fireplace
- Hardwood
- A/C

## Property Highlights

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

## Description

### Agent 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.

## Location

- **Address:** 540 20th Street NW, Cleveland, TN 37311
- **County:** Bradley
- **Neighborhood:** Wolfe First Add
- **Coordinates:** 35.174333, -84.874225
- **Google Maps:** https://www.google.com/maps?q=35.174333,-84.874225

## Listing Agent

- **Name:** Jody Gatlin
- **Brokerage:** Bender Realty
- **Phone:** 4236676614

## Primary Photo

![540 20th Street NW - Primary Photo](http://lh.rdcpix.com/a406f543c81469dd1f65140652e0c75cl-f2371310608r.jpg)

*24 total photos available on [listing page](https://www.propertysimple.ai/listing/540-20th-street-nw-cleveland-tn-37311-20263410)*

---

**MLS#:** 20263410 | **Updated:** 2026-08-03
**Source:** listhub

*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.*

[View on PropertySimple](https://www.propertysimple.ai/listing/540-20th-street-nw-cleveland-tn-37311-20263410)

---

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  "name": "540 20th Street NW, Cleveland, TN 37311",
  "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 casua",
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