Chattanooga Homes with Conventional Terms

Chattanooga Homes with Conventional Terms

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the heart of Hamilton County, renowned for its stunning natural beauty and rich cultural heritage. With the majestic Appalachian Mountains as a backdrop and the Tennessee River winding through its core, Chattanooga offers a picturesque setting that’s perfect for both adventure seekers and those looking for a serene lifestyle.

Chattanooga is more than just a pretty face; it’s a thriving community filled with opportunities. Known for its revitalized downtown area, residents enjoy a plethora of dining, shopping, and entertainment options. The city is home to diverse neighborhoods, each offering unique charm and character, making it easy to find a place that feels like home.

For those considering a move to this enchanting city, there are a variety of homes available with conventional financing options. These homes are perfect for first-time buyers and seasoned homeowners alike, providing flexibility and accessibility in your real estate journey. Whether you’re drawn to historic bungalows, modern townhouses, or spacious family homes, Chattanooga’s real estate market accommodates a range of preferences and budgets.

Moreover, the city’s commitment to community and quality of life is evident in its excellent schools, abundant parks, and recreational activities. From hiking the scenic trails of Lookout Mountain to enjoying the vibrant arts scene, Chattanooga offers a lifestyle filled with adventure and relaxation.

Discover your dream home in Chattanooga, where the charm of the South meets the excitement of urban living. Your new life awaits in this welcoming city!

Newest Chattanooga Homes with Conventional Terms

$450,000
4 Beds ⋅ 4 Baths ⋅ 1539931 MLS
This home on a quiet culdesac would be perfect for any family or for a vacation rental with large bedrooms and closets. The fenced yard is ready for kids or pets to play. The entry is 2-story. The main floor boasts 9' ceilings. Enjoy the gas log fireplace in the winter and the deck in the spring. The kitchen and living are open. There is a large first floor primary bedroom with a bathroom complete with a jetted tub, walk-in shower, and private toilet. It also has a large walk-in closet. The 2nd floor primary bedroom is huge at 14' x 21'4'' and has a private full bath room and a walk-in closet. The third bedroom is also huge at 20'2'' x 12'1'' with a walk-in closet and has direct access to the hallway full bath. There is a nice sized 4th bedroom. Additionally, there is a 23'x16' unfinished storage area on the 2nd floor. Come enjoy life on this quiet neighborhood with easy access to schools, shopping, and interstate. NOTE: The HVAC units have the Bi-Polar Ionization System like used in hospitals to reduce odors and stop harmful pathogens such as viruses and bacteria.

2530 Wessex Lane, Chattanooga

Listing courtesy of Realty Specialists.

$425,000
3 Beds ⋅ 3 Baths ⋅ 1539930 MLS
Welcome to your private retreat just minutes from Downtown Chattanooga! Nestled on a peaceful cul-de-sac street surrounded by the beauty of the hills, this home offers the perfect blend of convenience, comfort, and privacy. The desirable master suite is located on the main level and features a spacious walk-in closet. The main floor showcases beautiful hardwood and tile flooring, creating a warm and inviting atmosphere throughout. The open-concept design features a stunning cathedral ceiling in the great room with a balcony overlook, adding to the home's spacious feel. Enjoy the peaceful outdoors from the heated & cooled sunroom, complete with built-in bookcases and access to the custom-built deck overlooking a private wooded backyard. The outdoor living space is Maintenance Free & perfect for entertaining or relaxing, featuring a custom built-in firepit with swings where you can gather with friends and family and stay cozy on cool evenings. From the welcoming front porch, take in peaceful western views toward Signal Mountain. Located only 6.5 miles from Downtown Chattanooga, this home offers the rare combination of quiet hillside living with easy access to dining, shopping, entertainment, and all the city has to offer. Roof is only 4-5 yrs old!

4510 Pink Heather Trail, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$278,500
3 Beds ⋅ 2 Baths ⋅ 1539923 MLS
Wonderful location offering the perfect blend of convenience and privacy. Ideally situated near popular restaurants, shopping and everyday amenities, This charming one-level home features three bedrooms and two bathrooms in a peaceful setting. The beautifully remodeled den is the heart of the home, showcasing a fireplace along with an electric insert that creates a warm and inviting space for relaxing or entertaining. Double-pane insulated vinyl windows were installed approximately 5-6 years enhance the home's energy efficiency and year-round comfort. The spacious eat-in kitchen features a double oven and French doors that open onto the back deck, providing the perfect setup for grilling, outdoor dining, or entertaining guests. Just off the kitchen, the conveniently located laundry room offers additional storage and pantry space. Step outside to enjoy the large fenced backyard and expansive deck-ideal for outdoor activities, gatherings, or simply unwinding in your own private retreat. A storage building provides space for lawn equipment, tools and other items that need protection from the elements. The sellers have also added a new drive-through driveway along with concrete steps leading down to the home, enhancing both accessibility and curb appeal. This home is currently zoned for highly rated Apison Elementary School, East Hamilton Middle School, and East Hamilton High School. Enjoy the convenience of nearby shopping, dining and everyday amenities while being tucked away from the hustle and bustle in a private setting. You'll also appreciate the benefit of low county taxes. Don't miss the opportunity to make this wonderful home your own. Schedule your private showing today!

2520 Standifer Hills Drive, Chattanooga

Listing courtesy of Coldwell Banker Pryor Realty.

$280,000
4 Beds ⋅ 2 Baths ⋅ 1539919 MLS
* MOTIVATED SELLER * NEW CONSTRUCTION * SELLER OFFERING FENCING INSTALLED WITH ACCEPTABLE OFFER -- Welcome to 918 Shallowford Rd--where modern comfort meets everyday convenience! This brand-new 4-bedroom, 2-bath ranch-style home offers 1,350 square feet of thoughtfully designed living space with a bright, open-concept layout perfect for both relaxing and entertaining. The seamless flow between the living, dining, and kitchen areas creates an inviting atmosphere with all new stainless-steel appliances and granite countertops, while the bedroom design and layout provides privacy and flexibility for families, guests, or even a home office. Step outside to enjoy the screened-in back porch--ideal for morning coffee or unwinding in the evenings without the bugs. There is also convenient parking in the back as well as the front. Conveniently located in Chattanooga, you'll love being just minutes from shopping, dining, and everyday essentials, making this home as practical as it is beautiful. Don't miss your opportunity to own a low-maintenance, move-in ready new construction in a prime location! **Buyer is responsible to verify any and all information deemed important. **House has been Virtually Staged and some items in pictures do not convey**

918 Shallowford Road, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$339,900
2 Beds ⋅ 2 Baths ⋅ 1539915 MLS
Freshly updated, beautifully distinctive, and impossible to duplicate, this is the kind of home that immediately stands apart. Recent improvements include a brand-new, 400-square-foot deck, new flooring in the two upstairs bedrooms, fresh interior paint in select areas, freshly painted patio, new garage-door lock, and the refrigerator, range, and dishwasher were purchased in 2025 as well as a recently renewed, transferable Choice Home Warranty that doesn't expire until next July 2027. The sun-filled main level feels remarkably open and inviting, pairing sleek mid-century modern influence with inspiring pops of color and architectural personality. It is a refreshing departure from the ordinary, stylish without sacrificing comfort and perfectly suited for both everyday living and entertaining. Step outside to the expansive new deck overlooking just over 0.4 acres, offering uncommon breathing room in a location celebrated for its exceptional convenience. Downstairs, a finished studio apartment with its own private entrance and separate driveway adds an entirely different level of flexibility. Create a secluded home office, primary or guest suite, multigenerational living space, creative studio, private retreat, or explore the potential for supplemental rental income. Homes with this combination of individuality, usable land, versatile living space, recent updates, and everyday accessibility rarely come together in one property. For the buyer unwilling to settle for everyday average, this one is a true original.

742 S Germantown Circle, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$449,900
3 Beds ⋅ 3 Baths ⋅ 20264009 MLS
Welcome to 9104 Quail Mountain Drive, a beautiful home nestled in one of Chattanooga's most desirable and peaceful bedroom communities. Tucked away in a quiet, established neighborhood, this property offers the perfect balance of tranquility and convenience, with quick access to Hamilton Place, premier shopping, restaurants, medical facilities, and Interstate 75, making every destination just minutes away. Designed with comfort and everyday living in mind, this well-built home features three spacious bedrooms, two and one-half baths, and a thoughtful floor plan that is both functional and inviting. The primary suite is privately situated upstairs, creating a peaceful retreat complete with an impressive en-suite bath featuring a beautiful walk-in shower designed for both comfort and style. The heart of the home is its warm and welcoming living area, anchored by a cozy fireplace that creates the perfect gathering place for family and friends. The adjoining kitchen and dining area offer generous space for entertaining, while the screened back porch provides an ideal setting to enjoy your morning coffee, relax after a long day, or entertain guests while overlooking the peaceful backyard. Downstairs, you'll discover a true bonus--the garage has been transformed into an incredible, decked-out man cave, offering the perfect space for watching the big game, hobbies, a workshop, or simply unwinding with friends. Whether you're looking for extra recreational space or a place to showcase your favorite interests, this area is sure to impress. From its quiet neighborhood setting and quality construction to its exceptional living spaces and unbeatable convenience, 9104 Quail Mountain Drive offers everything today's buyers are looking for. If you've been searching for a home that combines comfort, character, and location, this Chattanooga gem is ready to welcome you home.

9104 Quail Mountain Drive, Chattanooga

Listing courtesy of Award Realty II.

$267,900
3 Beds ⋅ 4 Baths ⋅ 1539899 MLS
Breathtaking Mountain Views, Oversized Garage & Everything's Included® in Asbury Oaks! Special Financing Incentives Available! Qualified buyers may receive $7,500 toward closing costs plus an interest rate buy-down opportunity that could lower monthly payments by hundreds of dollars. Ask for details! Welcome home to The Asbury at Asbury Oaks by Lennar, where modern comfort meets scenic mountain views and effortless one-level 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 Included® 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.

118 Asbury Oak Lane 118, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$499,000
3 Beds ⋅ 2 Baths ⋅ 1539896 MLS
Now pre-selling, ready January 1! New Construction located in Lookout Valley, just minutes from downtown Chattanooga and conveniently close to I-24. Loads of upgrades, carpet free. This 1 level floor plan is perfect for entertaining family & friends. Loads of upgrades, carpet free, stainless steel appliances, fireplace, quartz countertops, 9' ceilings, 2 car garage, private backyard, oversized free standing tub and tile shower. Buyer to verify anything of concern, including but not limited to schools, sf, and taxes. Personal Interest applies as listing agent has ownership interest.

1218 Judys Lot 17 Lane, Chattanooga

Listing courtesy of Local Roots Realty.

$239,900
2 Beds ⋅ 2 Baths ⋅ 1539886 MLS
Looking for the perfect place to call home? This charming two-bedroom, two-bathroom, one-level home is an excellent choice for first-time buyers, retirees, or anyone looking to downsize without sacrificing comfort or style. The thoughtfully designed layout maximizes space and functionality, making everyday living both easy and enjoyable. With its single-level floor plan, this home offers easy accessibility, ideal for those who prefer to avoid stairs or are planning for the future. Imagine starting your next chapter in a space that feels just right--where every room invites you to relax, entertain, and envision your future. The bright and airy living areas provide a welcoming atmosphere, while the well-appointed kitchen is perfect for preparing meals and gathering with loved ones. Both bedrooms offer ample closet space, and the two bathrooms are designed with convenience and comfort in mind. Located in a neighborhood with nearby amenities, this home provides the perfect balance of tranquility and accessibility. Call to schedule a private tour. Your perfect home is waiting!

1108 Everett Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$550,000
6 Beds ⋅ 3 Baths ⋅ 1539884 MLS
Welcome to 9100 Tennga Lane, a rare opportunity to own a spacious 6-bedroom home in the highly sought after Hurricane Creek community. With 6 bedrooms, 3 full baths, a dedicated office, and a large bonus room, this home offers the flexibility today's buyers are looking for whether that's working from home, hosting guests, or creating room for a growing family to spread out. Inside, you'll find a freshly updated interior featuring hardwood floors, new paint throughout, stylish barn-style sliding doors, and an open, functional layout built for everyday living and entertaining. The main-level primary suite adds everyday convenience, while oversized windows fill the home with natural light. The kitchen serves as the true centerpiece, with custom cabinetry, generous storage, and elevated finishes that flow seamlessly into the living area, anchored by a striking stacked-stone fireplace. Located just minutes from Gunbarrel Road, you'll have quick access to shopping, dining, and everyday conveniences, all while being zoned for West View Elementary and East Hamilton schools. Hurricane Creek also offers optional access to a neighborhood pool, tennis courts, and clubhouse, adding even more lifestyle value.

9100 Tennga Lane, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$327,000
3 Beds ⋅ 3 Baths ⋅ 1539881 MLS
Welcome to 409 Lowell St, a beautifully maintained 3-bedroom, 2.5-bath home offering 1,884 square feet of comfortable living space in the highly convenient Red Bank area of Chattanooga. This move-in ready home features fresh interior paint, a functional floor plan, and numerous recent updates that provide peace of mind for years to come. The inviting living room features a cozy fireplace, creating the perfect space to relax or gather with family and friends. The home also offers a 2-car attached garage and a fenced-in backyard ideal for pets, entertaining, or enjoying the outdoors. Major improvements include a new roof installed in 2022, HVAC system replaced in 2024, septic tank replaced in 2025, and siding around the chimney updated in 2026. The retaining wall has also been professionally secured by AFS and includes a lifetime of the structure transferable warranty, providing added confidence for the next homeowner. Conveniently located just minutes from the popular North Shore area, downtown Chattanooga, shopping, dining, and outdoor recreation, this home offers the perfect combination of comfort, updates, and location. Whether you are looking for your first home, a place to grow, or a low-maintenance property close to everything Chattanooga has to offer, 409 Lowell St is a must-see!

409 Lowell Street, Chattanooga

Listing courtesy of BHHS Southern Routes Realty.

$329,000
3 Beds ⋅ 2 Baths ⋅ 1539876 MLS
Welcome to your beautifully renovated, move in ready home in Chattanooga! This charming one level rancher offers the perfect blend of classic character and modern updates. Thoughtfully remodeled from top to bottom, you'll enjoy peace of mind with major improvements already completed, including updated electrical, plumbing, HVAC, windows, roof, and more, all done with proper permits. Step inside to a spacious living room that flows seamlessly into a cozy, knotty pine den that is perfect for relaxing evenings or entertaining guests. The adjoining dining area creates a warm and inviting space for gatherings, while the bright kitchen features granite countertops, a stylish tile backsplash, and plenty of charm. The home offers generously sized bedrooms and updated bathrooms with modern vanities, providing comfort and functionality for everyday living. Outside, you'll love the welcoming curb appeal and fenced backyard, ideal for pets, play, or outdoor entertaining. Conveniently located near St. Elmo and just minutes from downtown Chattanooga, this home combines location, updates, and easy one level living all in one. Don't miss your opportunity to own a fully updated home with timeless charm! Schedule your showing today!

4116 Grand Avenue, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

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