395 Church St

Spencer, TN
$ 374,900 Beds 4 Baths 3 Sq 3,200 Virtual Tour
Monthly Estimate* How much can I afford?

For Sale...For Trade...For Lease...Owner Term Purchase....Seller says, 'Let's Make a Deal' Step back in time to a small town in Tennessee, located just an hour from Chattanooga and 2 hrs from Nashville. Spencer is 15-miles from beautiful Fall Creek Falls State Park. The house sits on 3 lots equaling 1.32 ac+/- and is a completely remodeled 4 bd 3 ba w/2 large family flex spaces, 2 gas fireplaces., updated kitchen with butcher block countertops, new appliances and cabinets. The kitchen extends through the French doors to the outside and enjoy the breeze where entertaining will happen from either of the large front deck or even larger rear deck with 791 sqft. This home features new flooring, paint, and tile showers even a claw foot soaker tub. Rooms are spacious. Two car attached garage. Conveniently located to HWY 111 and access from two streets, front & rear. The house boasts 3200 SQFT, plus a finished basement.. See this beauty today!

Pending

  • Price
  • $ 374,900
  • City
  • Spencer
  • Bedrooms
  • 4
  • Full Bathrooms
  • 3
  • County
  • Van Buren
  • Half Bathrooms
  • 0
  • Area
  • Van Buren County
  • Lot Size
  • 1.32 Acres
  • Zip
  • 38585
  • Sqr Footage
  • 3,200
  • Year Built
  • 1986
  • Taxes
  • $ 938
  • Style
  • Traditional
  • MLS#
  • 1296533
Listed By: First Realty Company
Data Source: Knoxville MLS (KAAR)

Features

General

Sewer Septic Tank
Heating Central,Natural Gas
Cooling Central Cooling
Appliances Dishwasher,Range
Garage Spaces 2
Architectural Style Traditional
Construction Materials Wood Siding,Frame
Year Built 1986
Property Subtype Single Family Residence
County Van Buren County - 51
Property Type Single Family
Attached Garage true
Total Rooms 4
Full Baths 3
Status Pending
Directions From Putnam Co Court House: S onto HWY 111 to Spencer. R onto 577/Sparta St. L onto College St. See Sign on Right.
High School Van Buren County
City Spencer
MLS Area Van Buren County - 51
Lot Size Units Acres
Lot Size Square Feet 57499.2
Elementary School Spencer
Property Attached Y/N false
Middle/Junior High School Van Buren
MLS Area Minor Van Buren County - 51
Structure Type Basement Ranch
Standard Status Pending
New Financing Cash true
New Financing Coventional true

Interior Features

Basement Partially Finished
Flooring Hardwood,Tile
Total Fireplaces 2
Fireplace Features Gas,Gas Log
Basement (Y/N) true
Air Conditioning Y/N true
Heating Y/N true
Fireplace Y/N true
Total Bedrooms 4
Total Baths 3

Exterior Features

Parking Features Attached
Lot Features Irregular Lot
Water Source Public
Lot Size Area 1.32
Building Area Total 3200
Lot Size Acres 1.32
Lot Size Source Tax Records

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Knoxville, TN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Spencer Elementary School
Middle School Van Buren Middle School
High School Van Buren County High School

Price History

2/9/2026 Listed $374,900

Property vs Zip Code Average in 38585

Price
AVG $560K
$370K
Taxes
AVG $16,156
$938
Year Built
AVG 1997
1986

395 Church St Spencer, TN is a Single Family Home for sale at $374900 with 3200 sqft and a lot size of 1.32 Acres Acre(s). 395 Church St Spencer has 4 bedrooms, 3 baths and was built in 1986. The property's zip code is 38585 which is in Spencer, TN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.