For sale

Price cut: $70.5K (7/13)

$795,000

354 Garner Rd, Decherd, TN 37324

4beds

2,245sqft

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Single Family Residence

Built in 2016

7.37 Acres Lot

$771,500 Zestimate^®

$354/sqft

$-- HOA

What's special

Cozy fireplaceExpansive wraparound porchBeautiful hardwood floorsSpacious floor plan

Experience the beauty and tranquility of country living in the exceptional 4 BR, 2,5 Bath home situated on 7.37 fully fenced acres with a pond. Enjoy breathtaking views of the Cumberland Plateau from the expansive wraparound porch, perfect for relaxing and taking in the scenery. Just a few minute drive to the University of the South in Sewanee and I-24. Inside you will find beautiful hardwood floors, a cozy fireplace and well-appointed kitchen featuring granite countertops. The spacious floor plan offers comfort and functionality for everyday living and entertaining. Also has a large detached three-bay garage with concrete foundation, providing ample space for vehicles, equipment, hobbies, or storage.

10 days

598

54

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 3
Full bathrooms: 2
1/2 bathrooms: 1

Primary bedroom

Level: First
Area: 224
Dimensions: 16 x 14

Bedroom

Level: Second
Area: 144
Dimensions: 12 x 12

Bedroom

Level: Second
Area: 132
Dimensions: 12 x 11

Bedroom

Description: Currently used as an office
Level: Second
Area: 132
Dimensions: 11 x 12

Dining room

Level: First
Area: 180
Dimensions: 15 x 12

Kitchen

Description: Eat-in
Level: First
Area: 288
Dimensions: 24 x 12

Living room

Level: First
Area: 288
Dimensions: 16 x 18

Heating

Central, Electric

Cooling

Central Air

Appliances

Included: Cooktop, Dryer, Dishwasher, Electric Cooktop, Electric Oven, Electric Water Heater, Refrigerator, Washer
Laundry: Electric Dryer Hookup, Lower Level, Laundry Room, Washer Hookup

Features

Double Vanity, Entrance Foyer, High Ceilings, High Speed Internet, Pantry, Walk-In Closet(s), Tub/shower Combo, Breakfast Room, Separate Dining Room
Flooring: Hardwood, Tile, Vinyl
Windows: Double Pane Windows
Basement: Crawl Space
Number of fireplaces: 1
Fireplace features: Living Room

Interior area

Total structure area: 2,245
Total interior livable area: 2,245 sqft
Finished area above ground: 2,245

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Property

Parking

Total spaces: 5
Parking features: Concrete, Gravel
Attached garage spaces: 5

Features

Levels: Two
Stories: 2
Patio & porch: Covered, Front Porch, Rear Porch, Porch - Covered
Exterior features: Private Entrance, Storage
Fencing: Wood,Wire
Has view: Yes
View description: Mountain(s)

Lot

Size: 7.37 Acres
Dimensions: 588 x 542 x 406 x 749
Features: Open Lot, Pond on Lot

Details

Additional structures: Garage(s), Shed(s)
Parcel number: 049 003.13

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

HardiPlank Type
Foundation: Stone
Roof: Asphalt,Shingle

Condition

New construction: No
Year built: 2016

Utilities & green energy

Sewer: Septic Tank
Water: Public
Utilities for property: Cable Available, Electricity Connected, Phone Available, Water Connected

Community & HOA

Community

Security: Fire Alarm, Security System
Subdivision: None

HOA

Has HOA: No

Location

Region: Decherd

Financial & listing details

Price per square foot: $354/sqft
Tax assessed value: $523,000
Annual tax amount: $2,608
Date on market: 7/9/2026
Listing terms: Cash,Conventional,FHA,USDA Loan
Road surface type: Asphalt

Estimated market value

$771,500

$733,000 - $810,000

$2,419/mo

Price history

Date	Event	Price
7/13/2026	Price change	$795,000-8.1%$354/sqft
Source: RealTracs MLS as distributed by MLS GRID #3232929 Report a problem
7/6/2026	Price change	$865,500-3.8%$386/sqft
Source: RealTracs MLS as distributed by MLS GRID #3232929 Report a problem
6/9/2026	Listed for sale	$899,500+155.5%$401/sqft
Source: RealTracs MLS as distributed by MLS GRID #3232929 Report a problem
12/20/2019	Sold	$352,000$157/sqft
Source: RealTracs MLS as distributed by MLS GRID #2092500 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$2,609	$130,750
2024	$2,609 -2.1%	$130,750 -2.1%
2023	$2,666 +28.6%	$133,600 +20.8%
2022	$2,074 +0.4%	$110,575 +54.1%
2021	$2,066	$71,775
2020	$2,066 +12.4%	$71,775
2019	$1,838 -4.2%	$71,775
2018	$1,919 0%	$71,775 +853.8%
2017	$1,919 +445.8%	$7,525 -42.8%
2016	$352	$13,150
2015	$352 0%	$13,150 0%
2014	$352	$13,154
2013	$352	$13,154
2012	--	$13,154
2011	--	$13,154
2010	$324 +5.1%	$13,154
2009	$309	$13,154
2008	$309	$13,154

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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Climate risks

Neighborhood: 37324

Getting around

0 / 100

Car-Dependent

25 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

9/10
Sewanee Elementary School
Grades: PK-5Distance: 3.3 mi
3/10
South Middle School
Grades: 6-8Distance: 8.2 mi
4/10
Franklin Co High School
Grades: 9-12Distance: 9.9 mi

Schools provided by the listing agent

Elementary: Decherd Elementary
Middle: North Middle
High: Franklin Co High

Source: Greater Chattanooga Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.