# 27 Church Street, Spencer, TN 38585

> **TL;DR:** 3bd/2ba single family, $242,000 ($174/sqft), built 1950, 1,389 sqft.
> Hardwood, A/C. Est. $1,049/mo. Listed 112 days.

## Property at a Glance

| Attribute | Value |
|-----------|-------|
| Price | $242,000 |
| Price/sqft | $174 |
| Bedrooms | 3 |
| Bathrooms | 2 full |
| Square Feet | 1,389 |
| Year Built | 1950 |
| Lot Size | 16,553 sqft (0.38 acres) |
| Stories | 2 |
| Property Type | Single Family (Single Family Residence) |
| Status | For Sale |
| Days on Market | 112 |

## Why This Home Stands Out

- **Hardwood Floors** - Throughout the home

## Estimated Monthly Costs

| Category | Amount |
|----------|--------|
| Mortgage (20% down, 6.5%) | $1,049 |
| **Total** | **$1,049** |

## Nearby Schools

- **Elementary:** Spencer Elementary
- **Middle:** Spencer Middle
- **High:** Van Buren County High

## Key Amenities

- Hardwood
- A/C

## Property Highlights

- Built in 1950
- 0.38 acre lot
- 2 stories

## Description

### Agent Description
Welcome home to this adorable Cape Cod-style home that's full of charm, character, and practical updates. From the inviting covered front porch to the warm hardwood floors, this home offers a comfortable and welcoming place to call your own. Inside, you'll find a convenient main-level bedroom, spacious living areas, and an updated kitchen with beautiful butcher block countertops, brand-new appliances, a gas stove, and plenty of workspace for everyday cooking and entertaining. The updated laundry room adds extra convenience and functionality. This home has already had several important improvements completed, including a whole-house water filtration system and an energy-efficient central heating and air system designed to help keep utility costs low while providing year-round comfort. Outside, the manageable yard offers just enough space to enjoy without requiring constant upkeep, making it perfect for busy homeowners, first-time buyers, or those looking to downsize. A covered carport provides protection for your vehicle and added convenience. Conveniently located near Fall Creek Falls State Park, you'll enjoy easy access to hiking, waterfalls, scenic overlooks, and outdoor recreation while still being close to everyday necessities. Whether you're a first-time homebuyer looking for an affordable place to call home, searching for a weekend getaway, or adding to your investment portfolio, this move-in-ready property offers outstanding value and plenty of potential. **Owner financing may be available with as little as 10% down payment**, creating a unique opportunity for buyers who may benefit from alternative financing options. Contact your agent for details and terms. Affordable, updated, and full of character, this charming home is ready for its next chapter--and it could be yours.

## Location

- **Address:** 27 Church Street, Spencer, TN 38585
- **County:** Van Buren
- **Coordinates:** 35.7411, -85.464047
- **Google Maps:** https://www.google.com/maps?q=35.7411,-85.464047

## Listing Agent

- **Name:** Melissa Hubbard
- **Brokerage:** RE/MAX Realty South
- **Phone:** 4236370492
- **Email:** melissaleahubbard@gmail.com

## Primary Photo

![27 Church Street - Primary Photo](http://lh.rdcpix.com/879cc05846cb8278dc9bf520c1f65735l-f1082745405r.jpg)

*27 total photos available on [listing page](https://www.propertysimple.com/listing/27-church-street-spencer-tn-38585-1529927)*

---

**MLS#:** 1529927 | **Updated:** 2026-06-25
**Source:** listhub

*Copyright © 2026 Greater Chattanooga Association of REALTORS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.*

[View on PropertySimple](https://www.propertysimple.com/listing/27-church-street-spencer-tn-38585-1529927)

---

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