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

$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.

$485,000
4 Beds ⋅ 3 Baths ⋅ 1539866 MLS
Beautifully updated 4-bedroom, 2.5-bath brick home in the highly desirable Brandermill Estates! Conveniently located just minutes from Hamilton Place, shopping, restaurants, and interstate access, this move-in-ready home offers 2,279 square feet of thoughtfully updated living space. A dramatic two-story foyer welcomes you inside, where you'll find a home office, formal dining room, spacious living area, and a bright sunroom. The updated kitchen features granite countertops, newer stainless steel appliances, and a breakfast nook. The oversized fourth bedroom/bonus room offers two separate living spaces, providing endless flexibility for a playroom, media room, home gym, or guest suite. The primary suite includes a large garden tub and separate tiled shower. Recent updates include replacement windows, both HVAC units, attic insulation, a new 12' x 18' deck, LED lighting throughout, two beautiful bay windows, and extensive built-in shelving in the garage and pantry. Enjoy the level, private backyard complete with an outbuilding for additional storage. This well-maintained home combines quality updates, flexible living space, and an outstanding location--ready for its next owner!

8324 Grinder Creek Place, Chattanooga

Listing courtesy of EXP Realty, LLC.

$350,000
3 Beds ⋅ 3 Baths ⋅ 20263989 MLS
Welcome to 4825 Montcrest Drive! Nestled on a spacious, near-half-acre corner lot (0.49), this beautifully renovated 3-bedroom, 2.5-bath home offers modern comfort, practical features, and maximum value. This wonderful property features new floors, updated bathrooms, stainless steel appliances and so much more! Enjoy the best of city convenience without the city price tag--unincorporated county-only taxes keep your monthly mortgage payment significantly lower with space for a remarkably low price per square foot! Key Highlights: Flexible Lower Level: A generous, partially finished basement provides unbeatable versatility--ideal for a cozy den, expansive primary bedroom away from the upstairs bedrooms, home office, or media room, complete with a built-in surround sound system that stays with the home for the ultimate movie or game night setup. Garage & Storage Perks: The garage comes equipped with workshop cabinets that convey with the property, offering fantastic organized storage or a ready-to-go workspace. Outdoor Living: Enjoy warm evenings across two expansive back decks overlooking a fenced backyard with plenty of room to relax and entertain. Big-Ticket Peace of Mind: Rest easy knowing major systems are already updated, including a newer roof, gutters, AC, and heat pump. Prime Location: Minutes from a hidden gem of a boat ramp, State and Local parks, VW, Amazon, shopping, dining, and downtown Chattanooga--with the community pool located right across the street! Maximize your purchasing power with low county taxes and zero city tax! Home is listed well below nearby comps. Schedule your private showing today and make this turnkey retreat yours.

4825 Montcrest Drive, Chattanooga

Listing courtesy of KW Cleveland.

$729,000
3 Beds ⋅ 4 Baths ⋅ 1539852 MLS
Beautifully maintained, custom home with Anderson windows, oversized (24 X 33) garage with permanent stairs to storage area over it, and storage area in basement. Private setting on a wooded 1.37 acre cul-de-sac lot, large bedrooms, lots of hardwood, and a cathedral wood ceiling in the den. All this is only 10 minutes to downtown Chattanooga. Please note: Health department permit was for 3 bedrooms but the house was originally constructed as 4 bedrooms with one bedroom on the first floor.

605 Stonebrook Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$795,000
2 Beds ⋅ 2 Baths ⋅ 1539850 MLS
SPECTACULAR IN EVERY WAY! Enjoy breathing Lake and Mountain views from this beautiful condo. Located in the desirable Lakeshore area of Hixson. This condo offers the perfect combination of comfort, convenience and Lakefront living. The one level open concept floor plan blends timeless design with modern function. As soon as you step through the entry you'll be captivated by the lake views from the open concept living dining and kitchen area. This condo features a great floor plan featuring formal dining area, spacious kitchen with island, solid surface countertops and generous counter space, Beautiful living room with fireplace adds cozy charm. Features two bedroom and two baths. Separate area for entertaining with glass doors leading out to a gorgeous glassed in balcony over looking Lake Chicamauga. This room is heated and cooled and is enjoyed all year long. Parking is easy with 1 covered parking space and two additional parking spaces. **PRICED BELOW APPRAISAL**

4346 Lakeshore Lane, Chattanooga

Listing courtesy of Crye-Leike, REALTORS.

$465,000
3 Beds ⋅ 2 Baths ⋅ 1539848 MLS
Welcome to historic Highland Park. Built in 1925 in the heart of Chattanooga's beloved neighborhood, this extraordinary home offers a rare opportunity to own a piece of local history. Originally serving as both a neighborhood dental office and family residence, the home has played an enduring role in the community for more than a century before becoming the warm and welcoming home it is today. Lovingly restored over the past two years, this historic property blends timeless character with the peace of mind of extensive modern updates. Major improvements include NEW plumbing, updated electrical, foundation stabilization, restored plaster walls, a restored slate roof, NEW water heater, and fresh landscaping and paint. Inside, you will find beautifully preserved original floors, soaring 11-foot ceilings, double-hung sash windows, and stunning original stained woodwork that showcase the craftmanship of a bygone era. Enjoy spacious bedrooms with a primary ensuite. The large eat in kitchen boasts granite countertops, lots of cabinetry, and access to the private backyard. Rich in history, thoughtfully restored, and ready for its next chapter, this one-of-a-kind Highland Park home is more than a place to live-it's a legacy waiting to welcome its next owners. *There is also a large shed on the back of the property for additional storage that has electricity, and a refrigerator that conveys. Lots of potential!

1406 Chamberlain Avenue, Chattanooga

Listing courtesy of Real Estate Partners Chattanooga LLC.

$1,400,000
1539844 MLS
This exceptional 1.49-acre property is a bespoke brow lot, created by combining two premium lots to create one of the largest city-view parcels in Black Creek. Perched on a scenic bluff, this prime Black Creek homesite boasts unbeatable vistas of Chattanooga, TN River, Lookout Mountain, and Raccoon Mountain. Build your custom dream home with plenty of room for sprawling outdoor living spaces and privacy. Enjoy the perfect blend of secluded retreat living with walkable access to planned amenities in a premier community. Black Creek is renowned for its active community and upscale amenities, including a top ranked golf course, miles of walking and biking trails, Pools and multiple recreational facilities, all within the city limits. With convenient access to downtown Chattanooga, you can enjoy the best of both worlds--peaceful living in a picturesque setting with the excitement of Chattanooga just 10 minutes away. Don't miss this rare opportunity to secure a prime homesite in one of Chattanooga's most desirable neighborhoods. Contact us today for more details and to schedule your private tour! **Some amenities associated with the Black Creek Club, additional joining fees and monthly fees will apply**

4125 Amethyst Road 801/802, Chattanooga

Listing courtesy of Black Creek Living.

$160,000
3 Beds ⋅ 2 Baths ⋅ 1539819 MLS
Welcome to Red Bank! 1 level and 1 turn from the heart of Red Bank near downtown Chattanooga. This conveniently located home hosts 3 bedrooms, 2 bathrooms with covered parking. Two kitchens - give double the opportunity to customize the spaces. Spacious bedrooms - 1 with an en suite bathroom. The LOCATION is key! 2 MINUTE drive or 7 minute walk to popular Red Bank playground and tennis/pickleball courts. Locals enjoy Bread and Butter bakery, Be Caffeinated, and Spritzeria. Located near the confluence of Dayton Blvd, Morrison Springs Rd, and Ashland Terrace for convenience to Downtown, Hixson, and beyond. Ready for your vision for your personal home, remodel project, or rental property. (Buyer to verify square footage. Some images may be virtually staged. Buyer is responsible for doing their due diligence to verify that all information is correct, accurate, and for obtaining any and all restrictions for the property deemed important to Buyer.)

3510 Redding Road, Chattanooga

Listing courtesy of Keller Williams Realty.

$630,000
4 Beds ⋅ 4 Baths ⋅ 1539820 MLS
A nearly new home close to everything the Northshore has to offer, without the Northshore price tag. Mornings start with a coffee run to Whole Foods and evenings end with a sunset walk up Stringers Ridge. Step inside to an open, easy flowing layout with magazine worthy finishes throughout, immaculately maintained from top to bottom. The kitchen is the heart of it, quartz countertops, an oversized island, and a butler's bar that makes hosting feel effortless rather than staged. The dining room gives you the space to actually use it, and just off the living room, the first of two covered decks offers mountain views for slower evenings and good conversation. Upstairs, the primary suite delivers on every front, a spa-like bathroom, a freestanding tub, and a double shower built for unwinding after a long day. Downstairs, the fully finished basement is set up as the ultimate relaxing retreat, perfect for a cozy TV room or a quiet spot to unwind. Just a mile from Northshore's restaurants, shops, and green spaces, with easy access to all of downtown Chattanooga, this 2022 build offers the lifestyle that many are looking for.

617 Ladd Avenue, Chattanooga

Listing courtesy of REAL Broker.

$339,900
3 Beds ⋅ 3 Baths ⋅ 1539813 MLS
Come see the spacious Decorated model Henley floorplan by Parkside Builders featuring beautiful designer finishes and Spray foam insulation! Enjoy beautiful views of Lookout Mountain and historical Coosa Mill also known as Mill Town. Home may qualify for Incentive. Ask agent for details. Decorated model hours are Wednesday -Saturday 10-5 Sunday 12-5.

2431 Twill Place, Chattanooga

Listing courtesy of Parkside Realty.

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