Chattanooga Homes with Lease Option Terms

Welcome to Chattanooga, Tennessee, a vibrant city nestled in the foothills of the Appalachian Mountains and renowned for its stunning natural beauty and rich cultural heritage. As the fourth-largest city in the state, Chattanooga boasts a unique blend of urban sophistication and small-town charm. With its picturesque riverfront, thriving arts scene, and a plethora of outdoor activities, it’s no wonder that many are drawn to this enchanting city.

Chattanooga is famous for its iconic attractions, including the Tennessee Aquarium, Lookout Mountain, and the historic Walnut Street Bridge. The city is also home to a burgeoning culinary scene, featuring farm-to-table restaurants, craft breweries, and local markets. With a strong sense of community and a focus on sustainability, Chattanooga is an ideal place for families, young professionals, and retirees alike.

For those considering a move to this beautiful city, homes with lease option terms offer an exciting opportunity. This arrangement allows potential buyers to lease a property with the option to purchase it later, making it an ideal choice for those who may need time to secure financing or prefer to test the waters before committing to a purchase. With a variety of homes available in picturesque neighborhoods, you can find a property that suits your lifestyle while enjoying the flexibility that lease options provide.

Whether you’re drawn to the stunning landscapes, the vibrant arts community, or the welcoming atmosphere, Chattanooga offers a perfect place to call home. Explore your options today, and discover why so many people are falling in love with this charming Southern gem!

Newest Chattanooga Homes with Lease Option Terms

$200,000

3 Beds ⋅ 2 Baths ⋅ 1543531 MLS

This beautifully updated 3-bedroom home offers a move-in-ready opportunity at an affordable price. Extensively remodeled approximately two years ago, updates include a newer roof, HVAC, windows, flooring, kitchen, bathrooms, and more. The main level features a spacious living area, updated kitchen with stainless steel appliances, and dining space. Upstairs you'll find three bedrooms, a full bathroom, and convenient laundry area. Since the renovation, the home has been occupied by a long-term tenant, making this a great opportunity for an investor looking to add a turnkey property to their portfolio or a buyer looking for an updated home that's ready to enjoy. Conveniently located near shopping, dining, entertainment, and downtown Chattanooga. Home is currently occupied. Please respect the tenants and allow for 24 hr advanced notice for showings.

718 East Avenue, Chattanooga

Listing courtesy of The Real Estate Mavericks.

$375,000

2 Beds ⋅ 3 Baths ⋅ 1542848 MLS

Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down for a limited time! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Dawson'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 2br/2.5 bath residence features Modern finishes, abundant natural light, spacious living areas, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the Dawson plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. Owner/Agent.

1834 Dawson Circle, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$439,900

2 Beds ⋅ 2 Baths ⋅ 1540437 MLS

Welcome to 1284 Heritage Landing Drive, where the perfect blend of convenience, comfort, and lifestyle awaits in Chattanooga's highly sought-after Northshore area. This well maintained 2-bedroom, 2-bath home features a bright, open-concept floor plan with spacious living areas, generously sized bedrooms, abundant cabinetry, and an updated kitchen complete with stainless steel appliances, wine cooler, refrigerator, washer, and dryer--making this truly move-in ready. The versatile loft provides the perfect space for a home office, media room, or additional living area, while the oversized two-car garage offers ample storage. Located within the gated Heritage Landing community, residents enjoy exceptional amenities including a clubhouse, swimming pool, scenic ponds, and picturesque walking trails. Just minutes from downtown Chattanooga, you'll have easy access to award-winning restaurants, boutique shopping, parks, the Tennessee Riverwalk, and vibrant riverfront attractions. Whether you're searching for a primary residence, a low-maintenance lifestyle, or a home in one of Chattanooga's most desirable communities, this property is a must-see.

1284 Heritage Landing Drive, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$425,000

3 Beds ⋅ 3 Baths ⋅ 1540073 MLS

Stunning new construction featuring 3 spacious bedrooms and 2.5 beautifully appointed baths. This home showcases high-end luxury finishes throughout, including a designer kitchen with quartz countertops, premium cabinetry, and an expansive open floor plan perfect for modern living and entertaining. Thoughtfully designed with elegance and functionality in mind-move-in ready and built to impress. LEASE PURCHASE AVAIABLE !!

8529 Ari Lane, Chattanooga

Listing courtesy of Weathersbee Realty.

$449,900

4 Beds ⋅ 3 Baths ⋅ 1539147 MLS

#OPENHOUSE TUESDAY 9/29 AND WEDNESDAY 9/30 (4P-6P EST). Stop by on your way home from work to tour. It is the perfect time to purchase this HOME to enjoy for the 2026 Holiday Season. Seller is offering a $5k CREDIT toward an interest-rate buydown or buyer closing costs with an acceptable offer by 09/30! Take advantage of this limited-time opportunity to potentially lower your monthly payment or reduce your cash needed at closing. Discover exceptional space, updates, and value in the highly desirable Mountain Shadows community off East Brainerd and Banks Rd. Situated on nearly half an acre near a quiet cul-de-sac, this beautifully maintained 4-bedroom, 3-full-bath home offers more than 2,200 square feet, outstanding curb appeal, and numerous improvements completed from 2020-2026. The inviting covered front porch opens to a spacious foyer and light-filled great room featuring soaring cathedral ceilings, a skylight, and a wood-burning fireplace. A separate dining room provides an ideal setting for entertaining. The updated kitchen offers upgraded countertops, modern appliances, updated flooring, a skylight, and an adjoining breakfast area. Three generously sized bedrooms and two full bathrooms are located on the main level, including a bedroom with a private en-suite bath. The impressive primary suite provides more than 600 square feet of private living space with vaulted ceilings and room for a sitting area or home office. Its beautifully renovated bathroom features dual vanities, an oversized walk-in shower with dual rain showerheads and body sprayers, a skylight, and a spacious walk-in closet. Additional highlights include a conveniently located laundry room, attached two-car garage, and an additional side driveway offering parking for extra vehicles, a boat, or a trailer. The backyard is ready for outdoor entertaining with a large concrete patio, exterior lighting, a wall-mounted television, generous seating space, and a storage shed. Major improvements include a new roof and four new skylights installed in 2020. Mountain Shadows amenities include a community pool, clubhouse, tennis / basketball court, and playground. Conveniently located near East Brainerd shopping, dining, and major commuter routes, this move-in-ready home delivers the space, updates, and location today's buyers are seeking. A $450 Choice one-year home warranty is also available if requested with an acceptable offer. Schedule your private showing and explore the online 360-degree virtual tour today! #OPENHOUSE TUESDAY 9/29 AND WEDNESDAY 9/30 (4P-6P EST).

9302 Rockshire Lane, Chattanooga

Listing courtesy of Crye-Leike, REALTORS.

$387,000

3 Beds ⋅ 2 Baths ⋅ 1535050 MLS

Lease to own available. Eligible for up to $15,000 down payment assistance with THDA and Chattanooga DPA program. Appraised for $403,500 in Jan 2024. Just 5~ minutes to UTC, Erlanger, Memorial, and Parkridge. Welcome to this charming 3-bedroom, 2-bathroom home featuring a main-level primary suite with a full ensuite. Enjoy new vinyl flooring in all bedrooms, a 2-year-old roof, and brand-new Champion windows for efficiency and peace of mind. Fenced front yard for pets. Off street parking for 3 cars - plenty of street parking for guest. This home is move-in ready and perfect for living, investing, or house hacking. Modern updates, thoughtful layout, and excellent condition make this home stand out. Don't miss this opportunity to own a stylish, low-maintenance property with flexibility and comfort in every detail! Comes with 1 year home warranty. Owner/Agent

1001 E 11th Street, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$525,000

3 Beds ⋅ 3 Baths ⋅ 1531682 MLS

Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Delaney'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 3br/2.5 bath residence features Classic finishes, abundant natural light, spacious living areas, an office, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the Delaney plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. A sales agent must be present for tours. Owner/Agent.

1866 Dawson Circle, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$375,000

2 Beds ⋅ 3 Baths ⋅ 1529759 MLS

Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Dawson'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 2br/2.5 bath residence features Modern finishes, abundant natural light, spacious living areas, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the Dawson plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. Owner/Agent.

1882 Dawson Circle, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$421,900

3 Beds ⋅ 3 Baths ⋅ 1529544 MLS

Buyer Incentives! Receive 1% in flex cash to use toward your choice of an appliance package, or combine it with a 1.25% lender credit giving you 2.25% to use towards closing costs, prepaids, or an interest rate buy down! Welcome to Maddox Square, a Waters- Holland townhome community in the heart of East Brainerd where distinctive architecture meets attainable living. This gated neighborhood offers modern and classic finishes, functional design, and an unbeatable location. Introducing ''The Rowan'' one of four distinctive floorplans to fit a variety of lifestyles: The Mayer, The Rowan, The Dawson, and The Delaney -- each designed with open-concept living and elevated details throughout. The two-story 3br/2.5 bath residence features Classic finishes, abundant natural light, spacious living areas, designer quartz countertops that anchor the beautifully appointed kitchen ideal for entertaining or everyday living. Residents enjoy the privacy of a gated entrance along with a large shared green space -- perfect for gathering, relaxing, or play. The community's walkable convenience adds even more appeal, with East Brainerd Elementary just steps away. Just minutes from Hamilton Place mall, Trader Joes, Erlanger Hospital, Target and much more. Whether you're seeking low-maintenance living, modern style, or a prime East Brainerd location, Maddox Square delivers comfort, quality, and community all in one exceptional address. Listed price is the base price for the ROWAN plan. Photos and renderings are illustrative only and may not represent this specific unit. Taxes not yet assessed; subject to change. Buyers to verify school zones, square footage and HOA information. Owner/Agent.

1886 Dawson Circle, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

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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.