2095 NE Church St, Cleveland, TN 37311 (MLS# 1342486)


$449,000
2095 NE Church St
Cleveland, TN 37311
MLS# 1342486
5 beds  |  1899 sqft


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Property Description
Just minutes from Lee University and right in the heart of downtown Cleveland, this beautifully updated 5-bedroom, 3-bath property offers the perfect blend of historic character, modern upgrades, and incredible income-producing potential. Whether you're looking for a primary residence, student housing opportunity, multigenerational setup, or short-term rental investment, 2095 Church Street NE delivers flexibility and value in one of Cleveland's most convenient locations. From the moment you arrive, you'll appreciate the home's timeless curb appeal, metal roof, updated exterior finishes, and inviting front porch. Inside, the home is filled with warmth and personality featuring gorgeous hardwood floors, distinctive lighting, crown molding, and thoughtfully designed spaces throughout. The living room centers around a stunning tiled fireplace with an elegant wood mantle, creating the perfect cozy gathering space. French doors lead into a beautifully redesigned kitchen that feels straight out of a magazine. Highlights include quartz countertops, butcher block island, stainless steel appliances, brick accents, open shelving, sleek cabinetry, deep single-basin sink, tile flooring, and a charming eat-in dining area flooded with natural light. The main level features two guest bedrooms and a full bath, while the spacious primary suite offers a true retreat with a custom accent wall, modern fixtures, frosted glass barn door, walk-in closet, and stylish ensuite bath complete with double vessel sinks and updated finishes. Upstairs, you'll find two additional bedrooms with charming gabled ceilings and hardwood flooring that add even more character to the home. One of the standout features of this property is the detached/additional living space offering exceptional flexibility and income potential. Previously utilized as both long-term and short-term rental space, the accessory unit includes a kitchenette with granite countertops, sink, dishwasher, and refrigerator along with a full bath. The property has a strong rental history, with individual bedrooms previously renting for approximately $650/month and the accessory dwelling generating around $1,200/month long-term or averaging approximately $2,600/month as an Airbnb. Situated on a level corner lot with privacy fencing, multiple parking areas, deck and patio space, this property is ideal for entertaining, hosting guests, or maximizing rental functionality. Smart home features including smart locks and smart thermostat systems add convenience and modern appeal. Location is another major advantage. Positioned near Lee University, the property offers quick access to downtown restaurants, coffee shops, shopping, and local events while also providing convenient commuting options. Enjoy easy access to I-75, making travel to Chattanooga approximately 35-40 minutes away and Knoxville roughly an hour north. Outdoor enthusiasts will also appreciate being near hiking, rafting, and recreation opportunities throughout Southeast Tennessee and the nearby Ocoee River area. Properties with this combination of character, versatility, location, and proven income history rarely come available. Whether you're searching for a stylish downtown home, an investment property, or both -- this one deserves a closer look.

Details
Maps
Contract Info
Auction Y/N: No
Listing Price: 449000
Current Price: $449,000
Status: Active
Listing Date: 2026-05-27
Location, Tax & Legal Info
Area: Bradley County - 47
Property Sub-Type: Residential
City/County Code: City Limits
Elementary School: Mayfield
Middle School: Cleveland
Total Tax: 1170.55
High School: Cleveland
General Property Description
Type: 2 Story
# Bedrooms: 5
Acres: 0.16
Acre Source: Tax Records
# of Rooms: 0
Restrictions: Yes
Site Built: Yes
Fireplace: Yes
Property Status: N/A
SqFt - Main Lvl: 1366
SqFt - Down Lvl: 0
SqFt - 2nd Flr Lvl: 533
SqFt - 3rd Flr Lvl: 0
# Fireplace: 1
HOA: No
Basement: No
Bonus Room: Yes
Extra Storage: Yes
SqFt - Total (Aprox): 1899
Baths - Full: 3
Year Built: 1940
Remarks & Misc
Directions: From Lee University near Bowdle and O'Bannon Halls, head north on 20th Street NE, then turn right onto Church Street NE. Continue a short distance and the property will be located on the left.
Public Remarks: Just minutes from Lee University and right in the heart of downtown Cleveland, this beautifully updated 5-bedroom, 3-bath property offers the perfect blend of historic character, modern upgrades, and incredible income-producing potential. Whether you're looking for a primary residence, student housing opportunity, multigenerational setup, or short-term rental investment, 2095 Church Street NE delivers flexibility and value in one of Cleveland's most convenient locations. From the moment you arrive, you'll appreciate the home's timeless curb appeal, metal roof, updated exterior finishes, and inviting front porch. Inside, the home is filled with warmth and personality featuring gorgeous hardwood floors, distinctive lighting, crown molding, and thoughtfully designed spaces throughout. The living room centers around a stunning tiled fireplace with an elegant wood mantle, creating the perfect cozy gathering space. French doors lead into a beautifully redesigned kitchen that feels straight out of a magazine. Highlights include quartz countertops, butcher block island, stainless steel appliances, brick accents, open shelving, sleek cabinetry, deep single-basin sink, tile flooring, and a charming eat-in dining area flooded with natural light. The main level features two guest bedrooms and a full bath, while the spacious primary suite offers a true retreat with a custom accent wall, modern fixtures, frosted glass barn door, walk-in closet, and stylish ensuite bath complete with double vessel sinks and updated finishes. Upstairs, you'll find two additional bedrooms with charming gabled ceilings and hardwood flooring that add even more character to the home. One of the standout features of this property is the detached/additional living space offering exceptional flexibility and income potential. Previously utilized as both long-term and short-term rental space, the accessory unit includes a kitchenette with granite countertops, sink, dishwasher, and refrigerator along with a full bath. The property has a strong rental history, with individual bedrooms previously renting for approximately $650/month and the accessory dwelling generating around $1,200/month long-term or averaging approximately $2,600/month as an Airbnb. Situated on a level corner lot with privacy fencing, multiple parking areas, deck and patio space, this property is ideal for entertaining, hosting guests, or maximizing rental functionality. Smart home features including smart locks and smart thermostat systems add convenience and modern appeal. Location is another major advantage. Positioned near Lee University, the property offers quick access to downtown restaurants, coffee shops, shopping, and local events while also providing convenient commuting options. Enjoy easy access to I-75, making travel to Chattanooga approximately 35-40 minutes away and Knoxville roughly an hour north. Outdoor enthusiasts will also appreciate being near hiking, rafting, and recreation opportunities throughout Southeast Tennessee and the nearby Ocoee River area. Properties with this combination of character, versatility, location, and proven income history rarely come available. Whether you're searching for a stylish downtown home, an investment property, or both -- this one deserves a closer look.
Fencing
Privacy: 1
Atchd/Dtchd Type
Detached: 1
Style
Contemporary: 1
Construction
Frame: 1
Siding
Brick: 1
Vinyl: 1
Fireplace
Wood Burning: 1
Cooling
Ceiling Fan(s): 1
Central Cooling: 1
Wall Cooling: 1
Floors
Hardwood: 1
Laminate: 1
Luxury Vinyl Plank: 1
Tile: 1
Garage/Parking
Off-Street Parking: 1
Basement
Crawl Space: 1
Lot Description
Level: 1
Fuel
Electric: 1
View
City: 1
Heat
Central: 1
Appliances
Dishwasher: 1
Microwave: 1
Range: 1
Refrigerator: 1
Other Rooms
Addl Living Quarter: 1
Exterior Features
Deck: 1
Doors - Energy Star: 1
Window - Energy Star: 1
Misc Features
Washer/Dryer Connect: 1
Sewer
Public Sewer: 1
Water
Public: 1
Outbuildings
Guest House: 1
New Financing
Cash: 1
Conventional: 1
FHA: 1
New Loan: 1
VA Loan: 1
Showing
See Agent Instructns: 1
Location Tax Legal Info
House #: 2095
St Dir: NE
Street Name: Church
St Suffix: St
State/Province: TN
Zip Code: 37311
PIN #: 049E F 006.00
Subdivision: Greenwood Add
Geo Lat: 35.172667
Geo Lon: -84.868213
Status Change Info
Status Change Date: 2026-05-28
Property Features
Style: Contemporary
Construction: Frame
Siding: Brick; Vinyl
Basement: Crawl Space
Lot Description: Level
Fireplace: Wood Burning
Floors: Hardwood; Laminate; Luxury Vinyl Plank; Tile
Fuel: Electric
Heat: Central
Cooling: Ceiling Fan(s); Central Cooling; Wall Cooling
Appliances: Dishwasher; Microwave; Range; Refrigerator
Sewer: Public Sewer
Water: Public
Other Rooms: Addl Living Quarter
Misc Features: Washer/Dryer Connect
Exterior Features: Deck; Doors - Energy Star; Window - Energy Star
Fencing: Privacy
Outbuildings: Guest House
Showing: See Agent Instructns
New Financing: Cash; Conventional; FHA; New Loan; VA Loan

IDX
Listing Office: Silver Key Realty

Last Updated: May - 28 - 2026

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