173 Kentucky Ave, Clarksville: owner financing available.

Looking for an affordable owner-financed home in Clarksville, Tennessee? 173 Kentucky Ave is a compact 3-bedroom, 1-bath single-family home in Montgomery County with approximately 910 square feet of living space on a roughly 0.35-acre lot.

The property is currently being marketed by Disposition Realty Partners, LLC on Owner Finance Marketplace at $199,000 and through syndicated real estate listing sites. Owner financing is being offered to qualified buyers, with the final financing terms to be reviewed for this specific property.

Property facts are based on current syndicated listing data and prior MLS/public listing information. Buyers should independently verify all facts that are material to their purchase decision.

A simple one-level layout

173 Kentucky Ave offers a one-level layout with all three bedrooms on the main floor. Central heating and air conditioning, laminate flooring, electric cooking appliances, washer and dryer hookups, and public water and sewer are available in this home.

For buyers who prefer a smaller home that may be easier to maintain than a larger property, the approximately 910-square-foot layout provides the essentials without excessive unused space.

Updated features and outdoor space

Updated kitchen and bathroom, hard-surface flooring, a spacious front porch, and a full covered back deck overlooking a large backyard. The home also has a metal roof and vinyl siding.

The approximately 0.35-acre lot gives buyers meaningful outdoor space for a home in this price range, while the covered porch and deck can add usable outdoor living areas.

Why Clarksville is a strong market to watch

Clarksville continues to be one of Tennessee's larger and faster-growing cities. The U.S. Census Bureau estimated the city's population at 188,829 as of July 1, 2025, which represents a 13.2% increase from the April 2020 population-estimate base.

That continued growth, combined with Clarksville's large military community, regional employment base, and proximity to the Kentucky state line, makes the area an important market for buyers looking for alternatives to traditional mortgage financing. For a deeper dive, see our Clarksville owner-financing market guide.

Why consider owner financing for 173 Kentucky Ave?

Owner financing can provide another path to homeownership for buyers who have the financial ability to make a down payment and monthly payment but may not fit neatly into traditional bank underwriting.

That can include self-employed buyers, business owners, buyers rebuilding credit, people with nontraditional income, and other buyers whose financial circumstances may require a more individualized review. Read What Is Owner Financing? for a plain-English overview.

Owner financing is not guaranteed approval. The seller can establish qualification standards and property-specific financing terms, subject to applicable law.

The financing terms matter as much as the house

When evaluating any owner-financed property, buyers should look beyond the purchase price. The actual transaction should be evaluated based on the amount due at closing, interest rate, monthly payment, taxes, homeowners insurance, maturity date, any balloon payment if one exists, prepayment provisions, default provisions, and the complete purchase and financing documents.

A balloon payment is not automatically part of owner financing — some sellers use balloon provisions and others do not. Buyers should review the actual terms offered for 173 Kentucky Ave rather than assuming that terms from another seller-financed property apply here. For the ongoing carrying costs (property taxes, homeowners insurance, escrow), see Who Pays Taxes & Insurance on an Owner-Financed Home?.

A Clarksville property under $200,000

At a current asking price of $199,000, 173 Kentucky Ave gives buyers another option to consider in Clarksville's 37042 area, particularly for buyers prioritizing a three-bedroom layout, a larger yard, and a price point below many newer or larger homes in the market.

Price alone should never determine whether a property is the right fit. Buyers should consider the condition of the home, location, financing terms, anticipated repairs and maintenance, taxes, insurance, and their own long-term plans. For the full buying process, read How to Buy an Owner-Financed Home in Tennessee.

How to get more information about 173 Kentucky Ave

If you are interested in 173 Kentucky Ave, contact Owner Finance Marketplace or Disposition Realty Partners, LLC to confirm current availability, request the current owner-financing terms, and schedule a showing.

Because listing status and financing terms can change, buyers should rely on the current property information and signed transaction documents rather than older advertisements or third-party estimates.

Explore more owner-financed homes in Clarksville

Clarksville is one of the Tennessee markets where Owner Finance Marketplace regularly features owner-financing opportunities. If 173 Kentucky Ave is not the right fit — or is no longer available when you read this article — check the current listings for other homes in Clarksville, Montgomery County, and throughout Tennessee. Another Clarksville home is expected to hit the market in the next few weeks, and we often have owner-finance opportunities available in Clarksville.