Chattanooga Homes with Cash Terms

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the picturesque foothills of the Appalachian Mountains. Known for its stunning natural beauty and rich history, Chattanooga has emerged as a thriving hub for outdoor enthusiasts, families, and professionals alike. With the Tennessee River flowing gracefully through the city, residents enjoy a plethora of recreational activities, from hiking and biking to kayaking and fishing.

Chattanooga boasts a unique blend of urban charm and Southern hospitality, making it a desirable place to call home. The city is renowned for its revitalized downtown area, which features an eclectic mix of shops, restaurants, and cultural attractions. Highlights include the Tennessee Aquarium, the Creative Discovery Museum, and the iconic Lookout Mountain, where breathtaking views await those who venture to the top.

For those interested in the real estate market, Chattanooga offers an array of homes available with cash terms, making it an attractive option for buyers looking to streamline their purchasing process. With a diverse selection of properties ranging from historic homes to modern developments, there’s something for everyone in this dynamic city.

Investing in a home in Chattanooga not only provides a solid financial opportunity but also allows you to immerse yourself in a community that values connection and quality of life. Whether you're a first-time homebuyer or seeking a new investment, Chattanooga's welcoming atmosphere and robust housing market make it a fantastic choice. Experience the charm of Chattanooga – where your dream home awaits!

Newest Chattanooga Homes with Cash Terms

$276,900

3 Beds ⋅ 4 Baths ⋅ 1543522 MLS

Low rates mean low monthly payments.! We are buying down the interest rate to unbelievable low numbers. Enjoy the views of soaring trees, smell the fresh air. Listen to the birds....this home is nestled next to a preserve area with full grown trees! Welcome home to The Asbury at Asbury Oaks by Lennar, where modern comfort meets scenic mountain views and effortless living. This thoughtfully designed home offers the perfect blend of style, functionality, and convenience--all in a beautiful setting you'll love coming home to. The popular Asbury floor plan features an inviting open-concept layout with spacious living areas, a well-appointed kitchen with a MASSIVE island, and a seamless flow that makes everyday living and entertaining easy. Enjoy your morning coffee while taking in the fabulous mountain views, or unwind in the evening surrounded by the peaceful beauty of your new neighborhood. A true standout feature is the oversized garage, providing exceptional space for larger vehicles, extra storage, hobbies, a workshop area, or all of your recreational gear. It's the kind of feature that makes daily life easier and adds long-term value to your home. And with Lennar's signature Everything's IncludedÂ® package, you get the upgrades you want without the upgrade costs. Your new home comes complete with quartz countertops, stainless steel appliances including the refrigerator, washer and dryer, 2-inch blinds, smart home technology, and stylish designer finishes--all included from day one. Located in the desirable Asbury Oaks community, this home offers the perfect combination of peaceful mountain views and convenient access to shopping, dining, entertainment, and everything Chattanooga has to offer.

4251 Tillie Circle 41, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$249,900

4 Beds ⋅ 2 Baths ⋅ 1543517 MLS

This duplex offers a solid opportunity for an investor looking for immediate rental income with additional upside over time. Each unit features 2 bedrooms and 1 bathroom, and both units are currently occupied with leases in place. One unit is leased on a 6-month term at $1,150/month and features recently updated flooring throughout, a new bathroom vanity, a refrigerator, and washer/dryer hookups. The second unit is currently leased month-to-month at $1,000/month and also includes a refrigerator and washer/dryer hookups. Tenants pay all utilities, and each unit is individually metered. Current gross monthly rent is $2,150, producing $25,800 in gross annual rental income. With two separately metered 2BR/1BA units, established tenants, and tenant-paid utilities, the property provides in-place cash flow from day one. The month-to-month lease also gives a future owner flexibility to evaluate rental rates and pursue additional income potential over time, subject to applicable lease terms and market conditions. The property is conveniently located near major employers including Amazon and Volkswagen, with access to nearby interstate routes and surrounding areas. This location may help support continued rental demand while giving tenants convenient access to employment, shopping, and everyday amenities. Whether you're looking to expand your rental portfolio or acquire a duplex with existing cash flow and room for future upside, this property is ready for its next owner. Tenant-occupied units require advance notice for showings. Please do not disturb tenants. Owner/Agent Listing

7822 Basswood Drive 7822/7824, Chattanooga

Listing courtesy of REAL Broker.

$184,900

2 Beds ⋅ 1 Baths ⋅ 1543504 MLS

Here is your opportunity to own a charming Chattanooga home offered $25,000 below recent appraisal value! Located at 107 S Seminole Dr, this inviting one-level home combines classic character with comfortable living spaces at an attractive price point. In 15 minutes, you can be downtown, enjoying all Southside has to offer, or to Hamilton Place shopping in less than that. Inside, you'll find beautiful hardwood floors, a spacious living room with a functional gas fireplace, and a generous dining room - all surprisingly open considering the age of the home. The kitchen offers excellent functionality and storage, including a built-in buffet that adds both charm and convenience. The home features two bedrooms and one full bathroom, plus a convenient laundry room/pantry area. One of the bedrooms also includes its own gas fireplace, adding warmth and character. Outdoor living is a true highlight, with an oversized covered front porch and a screened side porch offering wonderful spaces for morning coffee, entertaining, or relaxing at the end of the day. The side yard features a picturesque fire pit to gather in chillier weather under the trees. With its hardwood floors, two gas fireplaces, spacious rooms, built-in kitchen storage, and inviting porches, 107 S Seminole Dr offers a distinctive combination of character and value.

107 S Seminole Drive, Chattanooga

Listing courtesy of Benchmark Realty, LLC.

$229,999

3 Beds ⋅ 2 Baths ⋅ 1543497 MLS

Charming single-level home offering 3 bedrooms, 2 full bathrooms, and 1,400 sq ft of comfortable living space on a generous third of an acre lot with a private fenced backyard. This home is a straightforward, comfortable option for buyers seeking single-level convenience, outdoor space, and an attached two-car garage without HOA constraints. You'll love the friendly walkable neighborhood with a path to Heritage Park playground and dogpark!

1622 Fernwood Circle, Chattanooga

Listing courtesy of Keller Williams Realty.

$380,700

3 Beds ⋅ 3 Baths ⋅ 1543496 MLS

Under construction and designed for modern, low-maintenance living! This 1,878 sq ft home offers 3 bedrooms, 2.5 baths, a 1-car garage, and a smart two-story layout with plenty of space for everyday living. The open main level connects the kitchen, dining, and living areas, creating a bright, inviting space for entertaining or relaxing at home. Luxury vinyl plank flooring will run throughout with no carpet for a clean, easy-care finish. Upstairs, all three bedrooms provide added privacy, including a spacious primary suite with its own bath and generous closet space. Located in a level, walkable East Brainerd community with sidewalks and limited through-traffic, this new construction home is one to watch as it comes together. Schedule your showing and come see the progress for yourself.

892 Foxtail Drive, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$410,900

4 Beds ⋅ 3 Baths ⋅ 1543494 MLS

Need more space without giving up a smart, functional layout? This brand-new 2,350 sq ft home offers 4 bedrooms, 2.5 baths, and plenty of room to grow. The main level features an open kitchen and living area along with a private primary suite complete with its own bath and walk-in closet. Upstairs, three additional bedrooms provide plenty of flexibility, with the option for a fifth bedroom if extra space is needed. Located in a new East Brainerd community near schools, shopping, dining, and interstate access, this home delivers space, convenience, and new-construction living all in one. Schedule your showing and come see the layout in person.

7618 Nightingale Court, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$249,900

3 Beds ⋅ 2 Baths ⋅ 1543491 MLS

Historic charm meets modern updates at 2313 Fairleigh St, a beautifully remodeled home offering 3 bedrooms, 2 bathrooms, and 1,272 square feet of functional living space in a convenient Chattanooga location. Just minutes from downtown, this one delivers a lot more than you might expect at this price point. The home has been fully remodeled from the ground up, including updated electrical and plumbing, while still keeping the character that makes older Chattanooga homes so appealing. Fresh interior paint gives the entire home a clean, move-in-ready feel, while Hardie board siding adds durability and a great finished look on the exterior. Underneath the home, you'll find a fully encapsulated crawlspace: a major upgrade that many buyers don't expect to find in this price range. The roof is only about 7 years old, and the HVAC is approximately 5 years old, giving you some valuable peace of mind on the major systems. Outside, the covered front porch is perfect for morning coffee or catching up with the neighbors, while the back deck opens to a nice, flat and level lot with plenty of room to enjoy the outdoors, entertain, or let the kids and pets run around. If you've been searching for an affordable home close to downtown, this one deserves a serious look. Classic Chattanooga character, a full modern remodel, quality exterior upgrades, and a great level backyard, all in one package. Book your private showing today!

2313 Fairleigh Street, Chattanooga

Listing courtesy of Keller Williams Realty.

$115,000

2 Beds ⋅ 2 Baths ⋅ 1543486 MLS

Welcome to 3800 Provence St, Unit 6, where stylish updates and effortless one-level living come together in a convenient Chattanooga setting. Situated on the first floor, this beautifully remodeled condo offers the ease and accessibility of having everything you need on one level, along with the added benefit of off-street parking. Step inside to discover a fresh, modern interior featuring two spacious bedrooms and two full bathrooms. The home has undergone a complete remodel, thoughtfully updated from top to bottom with a beautifully refreshed kitchen, new appliances, new flooring, and fresh paint throughout. The result is a bright, polished living space that feels both sophisticated and inviting. With its desirable first-floor location, updated finishes, and low-maintenance layout, this move-in-ready condo offers an exceptional opportunity for those seeking comfort, convenience, and modern living in Chattanooga. Welcome home to 3800 Provence St, Unit 6--simply unpack and enjoy!

3800 Provence Street 6, Chattanooga

Listing courtesy of 1 Percent Lists Scenic City.

$2,200,000

3 Beds ⋅ 5 Baths ⋅ 1543479 MLS

Seeing is believing in this custom Jim Morrison build, where every detail has been crafted for effortless, comfortable living paired with spectacular views of downtown Chattanooga. This immaculate home is a true showstopper. Step inside and you're immediately met with porcelain plank flooring, 10' ceilings, 8' solid doors, crown molding, plantation shutters, and 4'' Halo LED lighting throughout. The main level den features a gas fireplace that creates a warm, inviting gathering space. The home is also equipped with Klipsch speakers wired for muitizone sound, delivering premium audio. The chef's kitchen is designed for those who appreciate the finest, featuring Thermador Professional appliances, including a dual fuel 6 burner range with induction cooktop, oven, steam oven, and warming drawer, plus a 30'' Thermador Professional wall oven and 48'' refrigerator. Additional luxury touches include two Thermador Star Sapphire dishwashers, a Sub Zero wine tower, and Classic Cabinets custom cabinetry with soft close drawers, Blum hardware, under cabinet lighting, touch faucets, and instant hot water. The centerpiece a striking Tiffany Crystal leathered quartzite island. The main level offers two bedrooms, each with its own en-suite, perfect for guests or multigenerational living. Step outside to the covered porch, ideal for morning coffee while taking in the panoramic downtown views. Upstairs, the primary suite is a retreat of its own with a cozy fireplace, a spa like bath featuring a quartzite double sink vanity, soaking tub, and a walk in shower with dual showerheads. The private lanai with gas fireplace is ready to finish to your personal vision. Convenience continues with a nearby laundry room equipped with an LG washer, gas dryer, and ironing station. The home also features a central vacuum system with hide a hose and toe kick sweep for effortless cleaning. Take the private elevator down to a welcoming lower level designed for comfort and convenience. Plus... Here you'll find a generous flex space with an oversized refrigerator/freezer, a kitchenette, a full bath, and your own personal garage with EV charging. Thoughtful upgrades like the Navien 199K BTU tankless water heater, Pentair whole house water softener, and ample storage make this level as functional as it is inviting. This home blends thoughtful design, luxury finishes, and unmatched views, a rare opportunity on Stringer's Ridge overlooking the Tennessee River.

554 Whitehall Road 120, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$361,400

3 Beds ⋅ 3 Baths ⋅ 1543473 MLS

Main-level primary suite, flexible living space, and brand-new construction in East Brainerd! This approximately 1,880 sq ft home offers 3 bedrooms, 2.5 baths, a welcoming front porch, and a smart layout designed for everyday comfort. The open concept main level connects the living room, dining area, and kitchen, making it easy to entertain or relax at home. The primary suite is conveniently located on the main floor and features a private bath and spacious walk-in closet. Upstairs, two additional bedrooms share a full bath, while a versatile flex room can serve as a home office, playroom, media room, or optional fourth bedroom. Enjoy a level, walkable community with sidewalks, limited through-traffic, and quick access to Gunbarrel Road, shopping, dining, and Hamilton Place.

875 Gardenview Way, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$374,200

3 Beds ⋅ 3 Baths ⋅ 1543471 MLS

Fresh design, flexible space, and brand-new construction in East Brainerd! This 1,881 sq ft home offers 3 bedrooms, 2.5 baths, a spacious upstairs flex area, and an updated exterior that gives the home standout curb appeal. Inside, the redesigned main level features a larger, more open living area that flows into the kitchen and dining spaces perfect for entertaining or everyday living. Upstairs, three bedrooms offer privacy, including a primary suite with its own bath and generous closet space. The oversized flex area adds even more versatility and can easily serve as a home office, playroom, media room, or second living area.

876 Gardenview Way, Chattanooga

Listing courtesy of Keller Williams Realty Greater Dalton.

$1,795,000

5 Beds ⋅ 5 Baths ⋅ 1543470 MLS

Perched above South Crest Road on historic Missionary Ridge, Oak Clift Estate feels removed from the pace of the city, yet downtown Chattanooga is approximately ten minutes away. Built in 1941 of brick and stone and thoughtfully revived to honor its original character, the 5,580-square-foot home sits amid approximately 5.3 acres of exceptional privacy. Life moves a little slower here. There is almost always a breeze on the ridge, and the views unfold in nearly every direction: sunrise toward the Blue Ridge Mountains to the east, the lower Appalachians to the south, and sunsets behind Lookout Mountain to the west. Together, they create an approximately 270-degree panorama that changes throughout the day. Landscaping designed by a master gardener surrounds the home with both new and established plantings, brick paths, rock walls, and a peaceful fountain. Several outdoor spaces invite you to experience the gardens and views in different ways: morning coffee in the courtyard, an afternoon on the side patio, a quiet moment in the front hammock, or an evening gathering on the lower terrace. The grounds and gracious interior spaces offer room to host more than 100 guests without losing the estate's intimate feel. Inside are five bedrooms, four and a half baths, a wood-paneled library that serves as a dedicated office, an updated kitchen, and a media room with a wet bar and in-wall surround sound. The former bomb shelter is now a music room, one of the home's more unexpected spaces. Fireplaces, hardwood floors, and enduring architectural details make the home feel like a step back in time, with the comfort and flexibility for life today. The estate conveys with three parcels, including two across South Crest Road to control your view. Original blueprints, historic photographs, and newspaper archives accompany a home whose story began more than 85 years ago. Oak Clift is ready for its next chapter. Owner/Agent.

700 S Crest Road, Chattanooga

Listing courtesy of Keller Williams Realty.

Start Your Search

Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.