117 N Main St Sparta, TN 38583

Experience the charm of this delightful 3-bedroom, 1-bathroom home that welcomes you with a lovely front porch. The sunlight pours into every room, creating a cozy and welcoming ambiance. Ideally situated just a stone's throw from Sparta's historic district and a short stroll to downtown. Enjoy spacious bedrooms with generous closet space, a fully-equipped kitchen perfect for culinary creativity, and convenient washer and dryer connections for hassle-free laundry days. This home comes with a smart home system and centralized heating and air conditioning for effortless climate control and a healthy living environment. This pet-friendly residence welcomes larger pets up to 90 lbs and has a fenced yard that your kids and pets can safely play in or hold a relaxing weekend grill. Youll truly enjoy making this your home.

Don't miss out on this offer - Schedule a showing now!
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*** RENT TO OWN TERM ***

Sale Price : $ 309,970
Down Payment : $ 5,000
Loan Origination Fee : $ 3,099.70
Agreement Preparation Fee : $ 500
Financed : $ 308,069.70

Monthly Payment : $ 2,615.96 Plus taxes and Insurance
Term : 40 Years


**Must rent the prop for at least 6 months to do owner financing.
**Must still do application following the application criteria.

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Only $ 1150 Deposit to Move In!
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Ask us about our Obligo Deposit-Free Lease Program!
Qualified tenants can skip the traditional security deposit and pay a smaller, manageable monthly fee instead.
Learn more:

Washer & Dryer Rental Program
- $99/month for a high-quality washer and dryer
- One-time installation fee: $75
- Repairs and maintenance are covered
- Charges apply for damage or loss

Availability Date
Move-in date may change depending on property condition or vacancy status.


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MONTHLY CHARGES (in addition to base rent)
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Smart Home Automation ............ $20.95
Renters Insurance ................ $14.99
Community Perks Package .......... $2.99
HVAC Filter Program .............. $12.50


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AMENITIES
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- Smart Home Automation
- Central Heat and Air
- Natural Gas Heat
- Fenced and Large Yard
- Refrigerator, Stove, Dishwasher
- Washer and Dryer Hookup
- Pet Friendly (90lbs max)
- Section 8 Accepted


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LEASE TERMS
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- 12-Month Lease:................. Base Rent
- 6-11 Months:.................... +$100/month
- Month-to-Month:................. +$250/month


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MANDATORY PROGRAMS & FEES
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Smart Home Automation ............ $20.95/month (mandatory)
- Subscription required for remote access to locks and thermostat, monitor home activity, and reduce energy costs.

Renters Insurance ................ $14.99/month
- Provides $100,000 in liability coverage and $10,000 protection for personal belongings.

HVAC Filter Program .............. $12.50/month
- Regular delivery of air filters to improve air quality and reduce energy bills.

Credit Reporting Program ......... $2.99/month
- Reports your on-time rent payments to credit bureaus to help build or improve your credit.

Smoking/Vaping Fee ............... $200 one-time (non-refundable)
- Required if you smoke or vape, even outside, to cover additional cleaning/prep costs.


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UTILITY CONCIERGE SERVICE (Optional)
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Utility Setup Fee ................ $175 one-time (non-refundable)
- Covers the cost of setting up all your utilities without the hassle of dealing with multiple providers.

Utility Service Admin Fee ........ $9.95/month
- Charged for consolidated billing, service management, and ongoing utility coordination.

Billing Convenience .............. One simple bill
- Receive one combined bill for rent and utilities with reminders and full transparency.


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PET POLICY
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- Standard Breeds:
- $300 non-refundable fee per pet
- $25/month for 1st pet; $10/month for each additional (max 3)
- Restricted Breeds: Pitbull, Rottweiler, Doberman, Chow, German Shepherd, etc.
- $375 non-refundable fee per pet
- $45/month for 1st pet; $25/month for each additional (max 3)
- No fees for ESA or Service Animals
- Pet Application Fee: $35/pet (excluding ESA/Service Animals)


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APPLICATION REQUIREMENTS
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AUTOMATIC DENIALS:
- Utility Collections - (can be rectified by paying balance with receipt.)
- Landlord Collections - (can be rectified by paying balance with receipt.)
- Evictions - (can be rectified by providing documents from previous landlord that says otherwise.)
- Drug Charges - (non-negotiable)
- Felonies/Misdemeanor (within the last 10 years) - (non-negotiable)
- Bankruptcies (within the last 5 years) - (non-negotiable)

CREDIT REQUIREMENTS:

If employed more than 1 year with current employer:
- 600+: No Risk Mitigation Fee
- 550-599: 50% Risk Mitigation Fee
- 500-549: 100% Risk Mitigation Fee
- 499 and below: Cosigner required (600+ credit score, 2x rent income)

If employed less than 1 year with current employer:

- 650+: No Risk Mitigation Fee
- 600-649: 50% Risk Mitigation Fee
- 550-599: 100% Risk Mitigation Fee
- 500-549: 150% Risk Mitigation Fee

- No credit: Cosigner required (600+ score, 2x rent)

INCOME REQUIREMENT:

- Combined household income must be at least 2x the rent

*** (Risk Mitigation Fee will be a one time non-refundable fee based on advertised rent) ***


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APPLICATION PROCESS
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- Apply online:
- Application fee: $65/adult (non-refundable)
- Processing time: 2-3 business days

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MOVE-IN COSTS
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- First months rent (prorated)
- Security deposit
- $100 lease preparation fee
- Additional Mandatory fees and programs listed above

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NEED TO SELL BEFORE YOU MOVE?
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Stevens Realty can buy your current home directly.
- No repairs, cleaning, or commissions
- Move into your new home up to 30 days sooner!

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BONUS: BUILD YOUR CREDIT!
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Pay your rent on time and well report it to all 3 credit bureaus!
Improve your credit, qualify for better rates, and establish credit history while renting.

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Contact us today to schedule a tour or apply online!


Appliance : Dishwasher
Appliance : Refrigerator
Appliance : Stove
Cooling : Central Heat And Air
Heating : Natural Gas Heat
Laundry : Hook Ups
Pets Allowed
Renters Insurance Required
Section 8 : Yes
Smart Lock & Thermostat Automation Inclusive
Stevens Realty All Bills Included Utility Concierge Service Required
Utility And Maintenance Reduction Program Required
Washer/Dryer For Rent