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WHAT DOES $499,000 BUY YOU IN EAST BRAINERD? More than you might expect! With 3,659 square feet, 5 bedrooms, 4 full baths, a media room, private office, two fireplaces, and 0.79 acre of wooded privacy, this home offers plenty of room to spread out without sacrificing convenience. Situated at the top of a hill and surrounded by mature trees, you'll enjoy a peaceful, private setting just minutes from Hamilton Place Mall Publix & Food City, shopping, restaurants, and everything East Brainerd has to offer. Inside, there's room for everyone and just about everything! The main level features a bedroom and full bath, a private office, formal dining room, and comfortable living spaces (plus utility room storage & under stair storage). Upstairs, the spacious primary suite feels like its own retreat, complete with a sitting area, fireplace, large walk-in closet, and private bath with soaking tub and separate shower. The additional bedrooms offer a combination of Jack-and-Jill and private baths, and the media room gives you even more flexibility for movie nights, hobbies, or just hanging out. Outside, the fully fenced backyard offers plenty of room to enjoy the outdoors, while the circular driveway and separate driveway to the two-car garage provide convenient parking and easy access. ADDED BUYER BONUS: The seller is offering $15,000 toward buyer closing costs and/or an interest rate buy down with an acceptable offer!* If you've been looking for a home with room to grow, space to work from home, or simply a little more privacy without giving up a convenient location, this one is worth seeing in person! Some photos have been virtually staged to help illustrate the home's potential. *Buyer concessions are subject to an acceptable offer and applicable terms. Some photos have been virtually staged to help illustrate the home's potential. *Buyer concessions are subject to an acceptable offer and applicable terms.

Highlights

  • Residential
  • Single Family Residence
  • Built in 2003
  • 0.88 Acre Lot
  • 2 Car Garage
  • 74 days on Market

  • Bedrooms
    5
  • Bathrooms
    4
  • Year Built
    2003
  • Stories
    2.0
  • Architectural Style
    Contemporary
  • Construction Materials
    Vinyl Siding, Brick
  • Foundation
    Slab, Brick/Mortar, Concrete Perimeter
  • Garage Spaces
    2.0
  • Parking Features
    Driveway, Attached, Garage Door Opener, Garage, Concrete, Off Street, Garage Faces Side, Circular Driveway, Kitchen Level
  • Living Area
    3659.0
  • Interior Features
    Ceiling Fan(s), Walk-In Closet(s), Pantry, Storage, Double Vanity, Recessed Lighting, Crown Molding
  • Appliances
    Dishwasher, Microwave, Refrigerator, Disposal, Range Hood, Electric Oven, Exhaust Fan, Free-Standing Electric Range, Free-Standing Range, Vented Exhaust Fan
  • Flooring
    Hardwood, Tile, Carpet
  • Exterior Features
    Rain Gutters, Private Yard
  • Patio And Porch
    Covered, Porch, Screened
  • Pool Features
    None
  • Cooling
    Ceiling Fan(s), Central Air, Electric, Multi Units, ENERGY STAR Qualified Equipment
  • Heating
    Electric, Central, Exhaust Fan
  • Basement
    None

  • Acres
    0.88
  • Lot Features
    Wooded, Sloped, Secluded, Private, Irregular Lot, Landscaped, Many Trees, Gentle Sloping, Back Yard, Front Yard
  • Utilities
    Electricity Connected, Sewer Connected, Water Connected, Natural Gas Not Available, Phone Available, Underground Utilities, Propane
  • Water
    Public

  • Area
    Chattanooga
  • County
    Hamilton
  • City
    Chattanooga
  • Neighborhood
    None
  • Zip Code
    37421
  • High School
    East Hamilton
  • Middle School
    East Hamilton
  • Elementary School
    Westview Elementary

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Frequently Asked Questions

How do I schedule a tour of 8820 Kelso Ln?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 8820 Kelso Ln.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 8820 Kelso Ln?

Click Ask a Question to talk with our team. You already know it is a 5 bed, 4 bath, listed for $499,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Chattanooga, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 8820 Kelso Ln?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 8820 Kelso Ln at around $3,034. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 8820 Kelso Ln?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Hamilton County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 8820 Kelso Ln?

In most cases, yes. Whether 8820 Kelso Ln is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Chattanooga's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 8820 Kelso Ln?

We can handle that for you. Our preferred local agent specializes in residentials in Chattanooga and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $499,000 with 3,659 sqft of space—that comes out to approximately $136 per square foot.

How long has this property been on the market?

8820 Kelso Ln was listed on August 28, 2026, which means it's been on the market for 74 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2003, making it approximately 23 years old.

What is the lot size of this property?

8820 Kelso Ln sits on a 0.88-acre lot, which is 38,333 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Westview Elementary
  • Middle: East Hamilton
  • High: East Hamilton

Want to see how these schools compare? Check out our Hamilton County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 8820 Kelso Ln?

The most recent public record shows annual property taxes for 8820 Kelso Ln were approximately $2,327. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is 8820 Kelso Ln still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the Greater Chattanooga Association of REALTORS®. IDX information is provided exclusively 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. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Information deemed reliable but not guaranteed. Continental Real Estate Group, Inc does not display the entire MLS of Chattanooga, Inc. database on this website. The listings of some real estate brokerage firms have been excluded. Copyright © 2026 Greater Chattanooga Association of REALTORS®. All Rights Reserved.