$625,000

Estimated payment $3,661/month

Total Views 265
4 Beds
2.5 Baths
2,743 Sq Ft
$228 Price per Sq Ft

Highlights

  • Community Cabanas
  • Deck
  • Wooded Lot
  • Open Floorplan
  • Property is near public transit
  • Wood Flooring

About This Home

Treat yourself and your family to the gift of time and effortless living in The Overlook, one of North Chattanooga's most desirable and well established amenity neighborhoods. Craftsman-style cottages and family homes combine timeless character and urban convenience in a quiet, peaceful community just minutes from the North Shore. With leafy tree-lined sidewalks, and a single entry for minimal traffic, it's an ideal setting for walking, playing, and connecting with neighbors. 3955 Hearthstone Circle, located just across the street from the community pool, sport court, and pavilion, creates a true urban enclave in an incredible location. Downtown Chattanooga, the vibrant Southside, Hixson and the Chattanooga Airport are all within easy access. Welcome friends and family with a gracious covered front porch overlooking the community park, while the open composite deck at the rear provides a peaceful outdoor retreat bordered by ,more lush and protected greenspace—one of only a few homes in The Overlook offering this rare and lasting privacy. The family room, anchored by a gas fireplace, flows effortlessly into the kitchen and dining areas, creating a laid back environment for everyday living and entertaining alike. Custom cabinetry, subway tile backsplash, a central breakfast island, and a generous pantry—all designed for both beauty and function. Throughout the home, site-finished hardwood floors, substantial moldings, and freshly painted interiors reflect the care and attention given to every detail, allowing for an easy transition into your new home. The primary suite and spacious ensuite, located on the main level for convenience and privacy, provides a peaceful evening retreat with dual vanities separated by a deep soaking tub, and an oversized walk-in closet is the ultimate upgrade. Upstairs, you'll find three additional rooms—perfect for guest accommodations, a home office, or a bonus space—along with tremendous walk-in storage that enhances everyday practicality. A rare opportunity to own in one of North Chattanooga's most sought-after neighborhoodswhere comfort, style, and location come together in perfect harmony. Hearthstone Circle North Chattanooga Home. No Place Like It!

Listing Agent

Linda Brock

Real Estate Partners Chattanooga LLC License #258780 Listed on: 10/23/2025

Real Estate Partners Chattanooga LLC

Co-Listing Agent

Lee Brock

Real Estate Partners Chattanooga LLC License #338596

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,995

Year Built

  • Built in 2008

Lot Details

  • 0.27 Acre Lot
  • Lot Dimensions are 75x155x75x155
  • Landscaped
  • Rectangular Lot
  • Level Lot
  • Front and Back Yard Sprinklers
  • Wooded Lot
  • Back Yard Fenced and Front Yard

HOA Fees

  • $50 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Parking Accessed On Kitchen Level
  • Garage Door Opener
  • Driveway
  • On-Street Parking
  • Off-Street Parking

Home Design

  • Brick Foundation
  • Block Foundation
  • Stone Foundation
  • Shingle Roof
  • Asphalt Roof
  • Shingle Siding
  • Cement Siding
  • Concrete Perimeter Foundation

Interior Spaces

  • 2,743 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Woodwork
  • Crown Molding
  • Tray Ceiling
  • Ceiling Fan
  • Recessed Lighting
  • Gas Log Fireplace
  • Insulated Windows
  • Entrance Foyer
  • Family Room with Fireplace
  • Dining Room
  • Bonus Room
  • Fire and Smoke Detector

Kitchen

  • Eat-In Kitchen
  • Electric Range
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • Disposal

Flooring

  • Wood
  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • En-Suite Bathroom
  • Double Vanity
  • Soaking Tub
  • Bathtub with Shower
  • Separate Shower

Laundry

  • Laundry Room
  • Laundry on main level
  • Washer Hookup

Outdoor Features

  • In Ground Pool
  • Deck
  • Covered Patio or Porch
  • Rain Gutters

Location

  • Property is near public transit

Schools

  • Rivermont Elementary School
  • Red Bank Middle School
  • Red Bank High School

Utilities

  • Multiple cooling system units
  • Central Heating and Cooling System
  • Heating System Uses Natural Gas
  • Underground Utilities
  • Gas Available
  • Water Heater
  • Phone Available
  • Cable TV Available

Listing and Financial Details

  • Assessor Parcel Number 118f F 004

Community Details

Overview

  • Association fees include ground maintenance
  • The Overlook Subdivision
  • On-Site Maintenance

Amenities

  • Picnic Area
  • Party Room

Recreation

  • Community Basketball Court
  • Outdoor Game Court
  • Sport Court
  • Recreation Facilities
  • Community Playground
  • Community Cabanas
  • Community Pool
  • Park
  • Jogging Path
  • Trails

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,995

Year Built

Built in 2008

Lot Details

0

HOA Fees

$50 per month

Parking

2

Listing Details

  • Property Sub Type: Single Family Residence
  • Prop. Type: Residential
  • Lot Size Acres: 0.27
  • Lot Size: 75x155x75x155
  • Road Frontage Type: City Street
  • Road Surface Type: Paved
  • Co List Office Mls Id: 10678
  • Co List Office Phone: 423-265-0088
  • Subdivision Name: The Overlook
  • Directions: From Hixson Pike between Ashland Terrace and Lupton Dr. turn onto W Fairfax, stay straight onto Valerian and into The Overlook, the road becomes Hearthstone Circle, and the house is on the right.
  • Above Grade Finished Sq Ft: 2743.0
  • Carport Y N: No
  • Garage Yn: Yes
  • Unit Levels: Two
  • Living Area: 2743.0
  • New Construction: No
  • Structure Type: House
  • Year Built: 2008
  • Cooling:Electric: Yes
  • Appliances Microwave: Yes
  • Appliances Refrigerators: Yes
  • Location Tax and Legal Parcel Number2: 118f F 004
  • Location Tax and Legal Elementary School: Rivermont Elementary
  • Location Tax and Legal Middle Or Junior School2: Red Bank Middle
  • Location Tax and Legal High School: Red Bank High School
  • Location Tax and Legal:Tax Annual Amount: 3994.82
  • Location Tax and Legal Additional Parcels YN: No
  • General Property Information Above Grade Finished Area: 2743.0
  • General Property Information Enhanced Accessible2: No
  • General Property Information New Construction YN: No
  • General Property Information Home Warranty YN: No
  • General Property Information Grazing Permits BLM YN3: No
  • General Property Information Carport YN: No
  • General Property Information Lot Size Acres: 0.2666
  • General Property Information Lot Size Square Feet2: 11612.0
  • General Property Information Lot Size Dimensions: 75x155x75x155
  • General Property Information View YN2: No
  • General Property Information Waterfront YN: No
  • General Property Information Basement YN: No
  • General Property Information Fireplace YN: Yes
  • General Property Information Senior Community YN: No
  • Utilities:Cable Available: Yes
  • Utilities Sewer Connected: Yes
  • Utilities Underground Utilities: Yes
  • Water Source:Public: Yes
  • Cooling:Central Air: Yes
  • Levels:Two: Yes
  • Flooring:Carpet: Yes
  • Flooring:Hardwood: Yes
  • Flooring:Tile: Yes
  • Interior Features Tub Shower Combo: Yes
  • Laundry Features Washer Hookup: Yes
  • Roof:Shingle: Yes
  • Utilities Phone Available: Yes
  • Sewer:Public Sewer: Yes
  • Utilities:Electricity Connected: Yes
  • Utilities Water Connected: Yes
  • Roof Asphalt5: Yes
  • Room Types Bedroom Level: Second
  • Room Types Bonus Room: Yes
  • Room Types Bonus Room Level: Second
  • Foundation Details Block2: Yes
  • Security Features:Smoke Detector(s): Yes
  • Room Types Primary Bathroom Level: First
  • Room Types Primary Bedroom Level: First
  • Cooling:Multi Units: Yes
  • Foundation Details Concrete Perimeter: Yes
  • Interior Features En Suite: Yes
  • Interior Features Separate Shower: Yes
  • Fencing Back Yard: Yes
  • Patio And Porch Features Porch - Covered: Yes
  • Foundation Details BrickMortar: Yes
  • Laundry Features:Main Level: Yes
  • Room Types Dining Room: Yes
  • Room Types Dining Room Level: First
  • Room Types Family Room: Yes
  • Room Types Family Room Level: First
  • Room Types Laundry: Yes
  • Room Types Laundry Level: First
  • Pool Features In Ground: Yes
  • Parking Features Kitchen Level2: Yes
  • Appliances Water Heater2: Yes
  • Utilities:Natural Gas Connected: Yes
  • Foundation Details Stone2: Yes
  • Structure Type:House: Yes
  • Association Amenities Playground3: Yes
  • Association Amenities Cabana3: Yes
  • Association Amenities Maintenance Grounds3: Yes
  • Association Amenities Basketball Court2: Yes
  • Special Features: None

Interior Features

  • Spa Features: None
  • Appliances: Water Heater, Stainless Steel Appliance(s), Refrigerator, Microwave, Electric Range, Disposal, Dishwasher
  • Other Equipment: None
  • Basement YN: No
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 4
  • Fireplace Features: Family Room, Gas Log, Gas Starter
  • Fireplaces: 1
  • Fireplace: Yes
  • Flooring: Carpet, Hardwood, Tile
  • Interior Amenities: Ceiling Fan(s), Crown Molding, Double Vanity, Eat-in Kitchen, En Suite, Entrance Foyer, Natural Woodwork, Open Floorplan, Primary Downstairs, Recessed Lighting, Separate Shower, Tray Ceiling(s), Tub/shower Combo
  • Window Features: Insulated Windows
  • Appliances Dishwasher: Yes
  • Community Features:Sidewalks: Yes
  • Community Features:Playground: Yes
  • Appliances:Electric Range: Yes
  • Interior Features:Eat-in Kitchen: Yes
  • Interior Features:Open Floorplan: Yes
  • Fireplace Features:Fireplaces Total: 1
  • Fireplace Features:Family Room2: Yes
  • Appliances:Stainless Steel Appliance(s): Yes
  • Interior Features:Primary Downstairs: Yes
  • Fireplace Features:Gas Log: Yes
  • Interior Features:Crown Molding: Yes
  • Interior Features:Double Vanity: Yes
  • Pool Features:Community: Yes
  • Fireplace Features:Gas Starter: Yes
  • Interior Features:Entrance Foyer: Yes
  • Interior Features:Ceiling Fan(s)2: Yes
  • Interior Features:Tray Ceiling(s): Yes
  • Community Features:Pool: Yes
  • Community Features:Street Lights: Yes
  • Interior Features:Recessed Lighting: Yes
  • Community Features:Curbs: Yes
  • Interior Features:Natural Woodwork: Yes
  • Community Features:Park: Yes

Exterior Features

  • Fencing: Back Yard
  • Lot Features: Back Yard, Front Yard, Landscaped, Level, Near Public Transit, Rectangular Lot, Sprinklers In Front, Sprinklers In Rear, Wooded
  • Pool Features: Community, In Ground, Outdoor Pool
  • View: No
  • Waterfront: No
  • Disclosures: Subdivision Restrictions
  • Home Warranty: No
  • Construction Type: Cement Siding, Shingle Siding
  • Exterior Features: Private Yard, Rain Gutters
  • Foundation Details: Block, Brick/Mortar, Concrete Perimeter, Stone
  • Other Structures: None
  • Patio And Porch Features: Deck, Front Porch, Patio, Porch - Covered
  • Roof: Asphalt, Shingle
  • Construction Materials:Cement Siding: Yes
  • Patio And Porch Features:Deck: Yes
  • Patio And Porch Features:Patio: Yes
  • Lot Features:Level: Yes
  • Exterior Features:Private Yard: Yes
  • Lot Features:Rectangular Lot: Yes
  • Lot Features:Sprinklers in Front: Yes
  • Lot Features:Sprinklers In Rear: Yes
  • Lot Features:Wooded: Yes
  • Window Features:Insulated Windows: Yes
  • Lot Features:Back Yard2: Yes
  • Pool Features:Outdoor Pool: Yes
  • Lot Features:Front Yard2: Yes
  • Lot Features:Landscaped: Yes
  • Patio And Porch Features:Front Porch: Yes
  • Exterior Features:Rain Gutters: Yes
  • Lot Features:Near Public Transit: Yes
  • Construction Materials:Shingle Siding: Yes

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Driveway, Garage, Garage Door Opener, Kitchen Level, Off Street, On Street, Paved
  • General Property Information:Garage YN: Yes
  • General Property Information:Attached Garage YN: Yes
  • General Property Information:Garage Spaces: 2.0
  • Parking Features:Driveway: Yes
  • Parking Features:Garage: Yes
  • Parking Features:Off Street: Yes
  • Parking Features:Garage Door Opener: Yes
  • Parking Features:Paved2: Yes
  • Parking Features:On Street: Yes

Utilities

  • Laundry Features: Main Level, Washer Hookup
  • Security: Smoke Detector(s)
  • Cooling: Central Air, Electric, Multi Units
  • Cooling Y N: Yes
  • Heating: Central, Natural Gas
  • Heating Yn: Yes
  • Sewer: Public Sewer
  • Utilities: Cable Available, Electricity Connected, Natural Gas Connected, Phone Available, Sewer Connected, Water Connected, Underground Utilities
  • Water Source: Public
  • Heating:Central: Yes
  • Heating:Natural Gas: Yes

Condo/Co-op/Association

  • Community Features: Curbs, Park, Playground, Pool, Sidewalks, Street Lights
  • Senior Community: No
  • Amenities: Basketball Court, Cabana, Game Court Exterior, Jogging Path, Maintenance Grounds, Park, Party Room, Picnic Area, Playground, Pool, Recreation Facilities, Sport Court, Trail(s)
  • Association Fee: 600.0
  • Association Fee Frequency: Annually
  • Association: Yes

Association/Amenities

  • General Property Information:Association YN: Yes
  • General Property Information:Association Fee: 600.0
  • General Property Information:Association Fee Frequency: Annually
  • Association Amenities:Pool3: Yes
  • Association Amenities:Trail(s): Yes
  • Association Amenities:Jogging Path: Yes
  • Association Fee Includes:Maintenance Grounds: Yes
  • Association Amenities:Park2: Yes
  • Association Amenities:Picnic Area: Yes
  • Association Amenities:Sport Court: Yes
  • Association Amenities:Party Room: Yes
  • Association Amenities:Game Court Exterior: Yes
  • Association Amenities:Recreation Facilities: Yes

Fee Information

  • Association Fee Includes: Maintenance Grounds

Schools

  • Elementary School: Rivermont Elementary
  • High School: Red Bank High School
  • Middle Or Junior School: Red Bank Middle

Lot Info

  • Lot Size Sq Ft: 11612.0
  • Additional Parcels: No
  • Parcel #: 118f F 004

Tax Info

  • Tax Annual Amount: 3994.82

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $1,992 $89,025 $0 $0
2023 $1,992 $89,025 $0 $0
2022 $1,992 $89,025 $0 $0
2021 $1,992 $89,025 $0 $0
2020 $2,339 $84,600 $0 $0
2019 $2,339 $84,600 $0 $0
2018 $2,053 $84,600 $0 $0
2017 $2,339 $84,600 $0 $0
2016 $2,287 $0 $0 $0
2015 $4,312 $82,700 $0 $0
2014 $4,312 $0 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/23/2025 10/23/25 For Sale $625,000 +58.2% $228 / Sq Ft
06/28/2019 06/28/19 Sold $395,000 -1.3% $144 / Sq Ft View Prior Sale
05/12/2019 05/12/19 Pending -- -- --
04/29/2019 04/29/19 For Sale $400,000 +31.6% $145 / Sq Ft
06/18/2014 06/18/14 Sold $304,000 -12.9% $111 / Sq Ft View Prior Sale
06/05/2014 06/05/14 Pending -- -- --
03/31/2014 03/31/14 For Sale $349,000 -- $127 / Sq Ft
Source: Greater Chattanooga REALTORS®

Purchase History

Date Type Sale Price Title Company
Warranty Deed -- Comberland Ttl & Guaranty Co
Warranty Deed $395,000 Cumberland Ttl & Guaranty Ll
Warranty Deed $332,200 None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $395,000 New Conventional
Previous Owner $140,000 New Conventional
Source: Public Records

Source: Greater Chattanooga REALTORS®

MLS Number: 1522846

Greater Chattanooga REALTORS®

APN: 118F-F-004