3509 Charlotte Ave W 404, Nashville, TN 37209
3509 Charlotte Ave W 404, Nashville, TN 37209, Conditional at $1,075,000 ($690/sq ft). 4 bd · 4 ba · 1,557 sqft · $690/sqft.
3509 Charlotte Ave W 404, Nashville, TN 37209, Conditional at $1,075,000 ($690/sq ft). 4 bd · 4 ba · 1,557 sqft · $690/sqft.
Conditional · $1,075,000
MLS #3232454 · listed June 8, 2026 · 94 days on market · updated June 8, 2026
4-bed, 4-bath condo at 3509 Charlotte Ave W 404 in Charlotte Park, Nashville, 1,557 sqft, $1,075,000 ($690/sqft), by Compass RE.
3509 Charlotte Ave W 404 is a 4-bedroom, 4-bath condo in Nashville, TN 37209, offered at $1,075,000, about $690/sq ft across 1,557 sq ft.
Market read: the Charlotte Park market is balanced, at about 4.4 months of inventory.
All-in, about $7,349/mo at 20% down (7.08% 30-year fixed).
Beyond principal and interest, the recurring carrying costs on this condo (property tax, insurance, and HOA) run about $1,581/mo, roughly 22% of the all-in monthly payment.
At the current 6.89% 30-year rate, principal and interest on this condo runs about $5,658/mo; at the 6.67% rate of about three months ago it would be roughly $5,532/mo, so monthly P&I is about $126 higher now.
Next step: ask Grant Hammond anything about 3509 Charlotte Ave W 404 (comps, HOA, tours) and he replies personally, usually same day.
Analysis by Grant Hammond, Compass RE. Figures as of June 8, 2026. RealTracs via IDX.
This is a condominium; HOA dues and building context are factored into the cost and pricing analysis below.
More context: Nashville condos and building guides.
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Listing remarks via the RealTracs Internet Data Exchange.
Complete reported fields for 3509 Charlotte Ave W 404 (reference).
| Date | Event | Price | Change |
|---|---|---|---|
| Listed | $1,075,000 | — |
Estimated monthly ownership for 3509 Charlotte Ave W 404 at $1,075,000: principal & interest, property tax, insurance, and the HOA fee decomposed below. Estimate only; not a loan offer.
| List price | $1,075,000 |
|---|---|
| HOA dues | $450 / mo |
| HOA fee includes | Confirm per building (commonly insurance, exterior maintenance, amenities); the fee is part of true monthly cost. |
| Property tax basis | Assessed value × 25% (TN residential ratio) × the Metro Nashville / Davidson County rate |
Estimated total monthly payment for 3509 Charlotte Ave W 404 is about $7,349/mo, 20% down on a 30-year fixed at 7.08% (a jumbo loan), including principal & interest $5,768, estimated property tax $630, homeowners insurance $501, and HOA dues $450. Estimate only; not a loan offer.
| Principal & interest | $5,768/mo |
|---|---|
| Property tax (est.) | $630/mo |
| Homeowners insurance (est.) | $501/mo |
| HOA dues | $450/mo |
| Estimated total | $7,349/mo |
Assumes 20% down, 30-year fixed at 7.08% (Mortgage News Daily, as of September 8, 2026). Property tax uses the Davidson County Urban Services District rate at the 25% TN residential ratio. Estimate only; not a loan offer or appraisal. Enable JavaScript to adjust down payment, term, loan type, and rate.
| 30-year rate | Principal & interest | Est. total / mo | vs current |
|---|---|---|---|
| 6.08% | $5,200/mo | $6,781/mo | -$568/mo |
| 6.58% | $5,481/mo | $7,062/mo | -$287/mo |
| 7.08% | $5,768/mo | $7,349/mo | current |
| 7.58% | $6,060/mo | $7,641/mo | +$292/mo |
| 8.08% | $6,358/mo | $7,939/mo | +$590/mo |
Principal & interest on a 30-year fixed at 20% down ($860,000 loan), with property tax, insurance, and HOA held constant at $1,581/mo. Current 30-year fixed 7.08% (Mortgage News Daily, as of September 8, 2026). Estimate only; not a loan offer.
Owning 3509 Charlotte Ave W 404 runs about $7,349/mo all-in, from the payment estimate above. Whether buying beats renting turns on how long you stay, how fast prices and rents move, and the rent you would otherwise pay. Turn on JavaScript to model those assumptions and find the year buying pulls ahead.
Method: net cost to own equals down payment plus about 3% closing plus payments made, minus equity built (principal paid and appreciation) and about 7% exit costs, measured against cumulative rent. Broker commissions are not set by law and are fully negotiable. Estimate only; not financial advice.
| HOA dues | $450 / mo (about 6% of the estimated total payment) |
|---|---|
| HOA per year | $5,400 |
| HOA over 5 years | $27,000 (at current dues) |
| Effective carrying cost | $4.72 / sq ft / mo (estimated total over 1,557 sq ft) |
HOA dues are part of true monthly cost and typically cover items such as building insurance, exterior maintenance, and amenities; coverage varies by building. Dues can change and buildings may levy special assessments, so review the current budget, reserve study, and any planned assessments before offering. Figures use current dues; estimate only, not a loan offer.
| Metric | This condo | Charlotte Park active | Recently sold |
|---|---|---|---|
| Price / sq ft | $690 | $326 median | - |
| Price position | 100th pctile | +112% vs median | - |
This listing beside the active Charlotte Park market and recent recorded closings. Computed by Grant Hammond from RealTracs via IDX, as of September 9, 2026.
At $690/sq ft, this condo is among the highest-priced of the 62 active condos in Charlotte Park by price per square foot (100th percentile).
Computed by Grant Hammond from 62 Charlotte Park comparables (RealTracs via IDX), as of September 9, 2026, refreshed weekly.
Median closed price and price per square foot by unit size in Charlotte Park, from the last 24 months of recorded sales:
| Unit size | Median sold | Median $/sq ft | Closings |
|---|---|---|---|
| 3 BR | $650,000 | $315 | 59 |
| 4+ BR | $994,500 | $337 | 34 |
Computed by Grant Hammond from recorded Charlotte Park closings, grouped by unit size (RealTracs via IDX).
In Charlotte Park, the median sale price per square foot has moved from about $327 (2025-09) to about $326 (2026-08), roughly 0% flat across the last 11 months of recorded sales.
Computed by Grant Hammond from the monthly price-per-square-foot of recorded Charlotte Park closings (RealTracs via IDX).
| Active listings | 48 in Charlotte Park |
|---|---|
| Recent absorption | about 10.9 sales / mo |
| Months of inventory | 4.4 months, a balanced market |
Supply-side and recent-sale context for Charlotte Park. Sale figures are trailing 6/12/24-month medians of recorded Charlotte Park closings. Source RealTracs via IDX, as of September 8, 2026.
3509 Charlotte Ave W 404 sits in Charlotte Park, Nashville, Davidson County.
In Charlotte Park, homes there are priced around $326 per square foot; inventory is running at about 4.4 months, a balanced market.
Neighborhood housing-market facts computed by Grant Hammond from RealTracs via IDX, as of September 9, 2026.
Approximately 2.6 miles from downtown Nashville (straight-line distance).
3509 Charlotte Ave W 404 is zoned for Park Avenue Enhanced Option, Moses McKissack Middle, Pearl Cohn Magnet High School. Attendance zones and enrollment change, confirm current zoning with the Metro Nashville Public Schools district before relying on it.
Get the full details, recent comparable sales, and any off-market options for 3509 Charlotte Ave W 404 - plus tour times if you want them. Grant Hammond, Compass RE, replies personally, usually the same day.
Comparable active listings near 3509 Charlotte Ave W 404, by price and size.
Listed with Compass RE. Properties marked with the MTRMLS logo are provided courtesy of the RealTracs Internet Data Exchange Program. Information believed accurate but not guaranteed. IDX by Diverse Solutions.
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As of the latest update (June 8, 2026), 3509 Charlotte Ave W 404, Nashville is conditional, per RealTracs. Contact Grant Hammond, Compass RE, for current availability.
3509 Charlotte Ave W 404, Nashville is listed at $1,075,000, about $690 per square foot across 1,557 square feet.
4 bedrooms and 4 bathrooms.
About $690 per square foot ($1,075,000 across 1,557 sqft).
3509 Charlotte Ave W 404, Nashville was built in 2025.
Yes, 1 garage spaces, per the listing.
HOA dues are $450 per month, as listed.
3509 Charlotte Ave W 404, Nashville is in the Charlotte Park subdivision of Nashville.
About $7,349 a month with 20% down on a 30-year fixed at 7.08%, principal and interest $5,768, estimated property tax $630, insurance $501, and HOA $450. Estimate only; not a loan offer. Adjust the down payment, term, loan type, and rate in the financing calculator on this page.
3509 Charlotte Ave W 404, Nashville is zoned for Park Avenue Enhanced Option, Moses McKissack Middle, Pearl Cohn Magnet High School. Attendance zones and enrollment change, verify current zoning with the Metro Nashville Public Schools district.
HOA dues are $450 per month; coverage varies by building (commonly insurance, exterior maintenance, and amenities). Confirm the fee-includes for this building.
At $690 per square foot, 3509 Charlotte Ave W 404, Nashville is in the 100th percentile of active listings in the Charlotte Park, about 112% above the $326 building median, on a fee-adjusted price-per-square-foot basis. Comp-based analysis by Grant Hammond, Compass RE, not an appraisal.
Request a time using the tour form on this page (in-person or a live video walkthrough), or call or text Grant Hammond, Compass RE, at (615) 945-7123. Most showings are confirmed within 24 to 48 hours.
Grant Hammond, Compass RE, can prepare and present your offer, walk you through price, contingencies, and timeline, and represent you through closing. Start with the form on this page or call (615) 945-7123. Broker fees are not set by law and are fully negotiable.
Yes. This page shows the full photo set and reported MLS fields; contact Grant Hammond, Compass RE, for a disclosure packet, recent comparable sales, and any off-market options.
Grant Hammond, Compass RE (TN Broker), with 25+ years and $1B+ in Middle Tennessee sales. Use the tour or question form on this page.
At about $690 per square foot, 3509 Charlotte Ave W 404, Nashville ranks in the 100th percentile of active Charlotte Park listings by price per square foot, roughly 112% above the Charlotte Park median. This is comp-based analysis by Grant Hammond, Compass RE, not an appraisal.
The Charlotte Park market is currently balanced, at about 4.4 months of inventory, per RealTracs as of September 8, 2026.
Thinking of selling in Charlotte Park?
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