Chattanooga Homes with Owner May Carry Terms

Welcome to Chattanooga, Tennessee, a vibrant city nestled in the heart of Hamilton County, where the beauty of nature meets the charm of urban living. Known for its stunning scenery, Chattanooga is surrounded by the majestic Appalachian Mountains and the winding Tennessee River, offering residents breathtaking views and countless outdoor adventures. Whether you're hiking on Lookout Mountain, exploring the picturesque Riverwalk, or enjoying a leisurely day at the Tennessee Aquarium, this city is a haven for nature lovers and adventure seekers alike.

Chattanooga's rich history and culture are evident in its diverse neighborhoods, each with its unique character and appeal. From the historic homes in St. Elmo to the modern lofts in the Southside District, there’s something for everyone. The city is also home to a thriving arts scene, delicious dining options, and an array of local shops that make exploring the area a delight.

For those considering a home purchase in this enchanting city, you’ll be pleased to know that many properties offer Owner May Carry Terms. This flexible financing option allows buyers to negotiate directly with sellers, making homeownership more accessible and tailored to individual needs. Whether you’re a first-time buyer or looking to invest, having this option can open doors to your dream home in Chattanooga.

Discover the magic of Chattanooga, where community spirit and natural beauty come together to create a perfect place to call home. With Owner May Carry Terms available, your journey to homeownership in this charming city is just a step away!

Newest Chattanooga Homes with Owner May Carry Terms

$425,000

3 Beds ⋅ 2 Baths ⋅ 1542742 MLS

**OPEN HOUSE SUN 9/20 2-4** Gorgeous Light-Filled Bungalow with Saltwater Pool & Detached Garage/Shop in Desirable Belvoir! Welcome to this charming, updated bungalow nestled in an established and sought-after Belvoir neighborhood, conveniently located just minutes from Downtown Chattanooga. Offering one-level living, a flat lot, abundant natural light, and beautiful hardwood floors throughout, this home combines timeless character with thoughtful modern updates. Step outside and enjoy your own private retreat with a saltwater pool, complete with patio furniture included. The pool features a new pump (2025) and saltwater conversion (2023) and a new liner (2023) . The home has also been extensively updated with a new architectural shingle roof and gutters (2021), new double hung windows from Southern windows with lifetime guarantee (2023), fresh exterior paint (2026), and updated plumbing throughout. Additional features include mini-splits, on-demand hot water, and 220-volt wiring ready for a hot tub. The large 2.5-car detached garage/shop offers incredible flexibility for a workshop, storage, hobbies, or future expansion. Water and drainage have already been run to the garage, creating exciting potential for a future ADU. An extended driveway provides plenty of additional parking. With its flat yard, private pool, spacious garage/shop, thoughtful updates, and convenient location, this delightful bungalow offers a rare combination of character, functionality, and lifestyle in one of Chattanooga's desirable areas.

211 Brookfield Avenue, Chattanooga

Listing courtesy of Keller Williams Realty.

$249,000

1542661 MLS

Owner/Agent. This is a wonderful opportunity to secure a prime lot on a major thoroughfare in the East Brainerd area. 0.4 acres of vacant land on directly on East Brainerd Road located near the Publix at Hurricane Creek. Currently Zoned RN-1-6 with a PUD abandonment pending in front of the Chattanooga-Hamilton County Regional Planning Agency (RPA).

8606 E Brainerd Road, Chattanooga

Listing courtesy of Nu Vision Realty.

$169,000

2 Beds ⋅ 2 Baths ⋅ 1542625 MLS

Updated, Convenient & Maintenance Free Living With Parking Right at Your Door! This beautifully refreshed 2 bedroom, 1.5 bath condo delivers the convenience and lifestyle buyers are looking for. Freshly painted throughout, the home features new bathroom vanities, laminate flooring, and a spacious primary bedroom with a large walk-in closet. The kitchen shines with stainless steel appliances and additional cabinetry, giving you plenty of storage and workspace. A main level laundry closet adds even more everyday convenience. And the parking is hard to beat! Enjoy a covered parking space right at your door plus an additional tandem space behind it. The community also offers plenty of guest parking for visitors. When it's time to relax, take advantage of the community pool, clubhouse, and tennis courts all without the upkeep of a traditional home. The HOA covers exterior maintenance, exterior insurance, roof, water, sewer, trash, pool, clubhouse, and tennis court maintenance. Located just minutes from Downtown Chattanooga and UTC, with shopping, dining, entertainment, and everyday conveniences close by, this condo puts you in the heart of it all while keeping homeownership simple. Come see why this could be the easy Chattanooga lifestyle you've been waiting for!

3962 N Quail Lane, Chattanooga

Listing courtesy of RE/MAX Properties.

$720,000

3 Beds ⋅ 3 Baths ⋅ 1542404 MLS

Bridgeview Condos | Unit 225--where downtown energy meets scenic calm. This well-kept 2BR residence frames riverfront sunsets and city lights through a wall of glass that opens to a private balcony, ideal for morning coffee or weekend grilling. Inside, an open plan makes entertaining easy, featuring a standout kitchen with granite counters, generous cabinetry, and seamless flow to the dining and living areas. Engineered hardwoods run throughout for warmth and low-maintenance living. The primary suite delivers a spa-like bath with sleek tilework and granite finishes, while the guest bedroom is comfortably sized with a large closet. A rare convenience is the private same-floor storage room, representing an approximately $14,000 seller investment. Recent community upgrade: the brand-new deck renovation is complete, adding beauty, function, and peace of mind. All of this at 4 Cherokee Blvd, steps from the riverfront, parks, coffee, dining, shops, the Walnut Street Bridge, and NorthShore favorites. Investor note: the property previously had a lease in place at $3,000 per month and is now currently unoccupied, offering flexibility for a new owner, future tenant placement, or potential 1031 exchange consideration. Move-in ready and ideally positioned for the downtown lifestyle buyers want.

4 Cherokee Boulevard 225, Chattanooga

Listing courtesy of Coldwell Banker Kinard Commercial.

$140,000

1542285 MLS

Rare opportunity to own the last available homesite in Windward Point, an exclusive gated lake community offering a private setting and an exceptional lake lifestyle. Located at 4569 Sailmaker Circle, this homesite offers the opportunity to build a custom home in an established community surrounded by beautiful residences. Residents enjoy lake access and a community boat ramp, making it easy to enjoy boating, fishing, kayaking and relaxing days on the water. This property also presents an excellent opportunity to build equity, with strong comparable homes in the surrounding community and established home values within Windward Point. Build a home designed specifically for your lifestyle while creating value in a desirable lake community. Whether you're looking for your forever home, a weekend retreat or an investment opportunity, this is a rare chance to secure one of the final pieces of Windward Point.

4569 Sailmaker Circle, Chattanooga

Listing courtesy of Real Estate 9, LLC.

$259,000

3 Beds ⋅ 3 Baths ⋅ 1542264 MLS

NEW CONSTRUCTION COMPLETE September 2026! Welcome to 1811 Taylor St., Chattanooga, TN -- a beautifully designed new 3 bedroom, 2.5 bath modern home located in one of Chattanooga's fastest-growing areas with new construction and revitalization happening all around. THIS HOME HAS IT ALL! Open floorplan on main level large island, bay windows, 72'' fireplace, large covered deck with large private back yard. The primary features a vaulted ceiling with large fireplace, bay windows, and a large pantry! This thoughtfully designed home features a bright open floor plan perfect for both everyday living and entertaining. The spacious living area is anchored by a stunning 72-inch modern fireplace, creating a dramatic focal point and a warm, inviting atmosphere. Large windows allow natural light to fill the space, seamlessly connecting the living room, dining area, and kitchen. The modern kitchen flows effortlessly into the main living space, making it ideal for gatherings with family and friends. Upstairs you'll find a well-designed layout with three comfortable bedrooms, including a private primary suite with en-suite bath, along with two additional bedrooms and a full bathroom. A convenient half bath on the main level is perfect for guests. Situated in an area experiencing significant growth, this home offers both modern style and strong long-term value. Location Highlights 1811 Taylor St. offers excellent proximity to many of Chattanooga's most popular destinations: Outdoor lovers will appreciate being minutes from Lookout Mountain hiking trails, parks, and outdoor recreation, while still enjoying easy access to the heart of downtown Chattanooga.

1811 Taylor Street, Chattanooga

Listing courtesy of Real Estate 9, LLC.

$309,000

3 Beds ⋅ 3 Baths ⋅ 1542125 MLS

Welcome to 1502 Mike Edd Lane, a three Bedroom, two and half Bath home in a convenient Brainerd location that features hardwood, tile floors and carpet, as well as many updates throughout. The covered front Porch leads to the spacious hardwood Foyer, which is open to the Living Room, and provides access to the Kitchen, Laundry Room, and two-car Garage. The Kitchen features appliances, including dishwasher, oven, stove, and microwave. There are plenty of dark wood cabinets for storage, a beautiful tile floor, and an eat-in Kitchen area with big windows to let in tons of natural light. The Living Room offers plenty of space and access to the back Deck and level back Yard. Off the Living Room are a half Bath, extra storage closet, and the Owner's Suite, complete with a huge walk-in closet.

1502 Mike Edd Lane, Chattanooga

Listing courtesy of Keller Williams Realty.

$599,000

3 Beds ⋅ 2 Baths ⋅ 1541633 MLS

Priced to sell! Come see this three-bedroom residence featuring a thoughtfully designed open floor plan, perfect for easy living and entertaining. Kitchen seamlessly connects to the dining room and living area, creating a warm and inviting space. High ceilings and hard wood floors add a touch of elegance and sophistication throughout the home. Enjoy evenings around the fireplace in the spacious living room or retreating to the main ensuite for a relaxing night. This home is designed to provide comfort and style! Black Creek Community offers a lifestyle that caters to a variety of interests. Events are an integral part of Black Creek club membership, with dedicated staff investing time, energy, and thought into planning memorable gatherings. Wine tastings, Pops on the Patio, and golf events like the Bullseye Golf Tournament provide opportunities for club members and their families to celebrate holidays, socialize, and meet new people. In addition to social events, the community features a well-maintained Sports Complex, dog park, and pavilions. Residents enjoy the peace of mind provided by 24-hour video surveillance and daily police patrols. Don't miss out on the opportunity to reside in the Black Creek Community. Whether you're an avid golfer, prefer lounging by the pool, or dining at the community restaurant, this home and community offer something for everyone. Hurry this home will not last long!!

555 Alston Drive, Chattanooga

Listing courtesy of Zach Taylor - Chattanooga.

$524,500

4 Beds ⋅ 3 Baths ⋅ 1541452 MLS

Sanctuary in the Suburbs -- Completely Renovated & Move-In Ready Get the best of both worlds--community and privacy--in this beautifully transformed home nestled at the end of a quiet street and bordered by a year-round creek. With a major renovation now complete, this home has been thoughtfully updated from top to bottom, offering the rare opportunity to move in and enjoy without taking on a long list of projects. The home has been completely redone, including new siding and extensive interior updates throughout. From the moment you walk in, you'll notice the fresh, bright, updated feel and the attention to detail that has gone into making this home truly move-in ready. The spacious living room makes a dramatic first impression with its 22-foot ceilings, creating an open, airy atmosphere. The home features 5-inch site-finished hardwood floors, beautiful marble kitchen countertops, fresh paint, new carpet, updated bathrooms, and spacious walk-in closets with custom closet systems. The primary suite is a peaceful retreat, complete with an upgraded spa-inspired bathroom featuring a custom shower, separate soaking tub, and beautiful tilework. Need space to work from home? You'll appreciate the home's two dedicated offices, offering plenty of flexibility for remote work, homework, a home gym, or additional living space. Outside, the setting is truly special. The property sits along a year-round creek, providing a peaceful natural backdrop and the soothing sounds of flowing water. The private backyard offers a wonderful space to relax, entertain, or simply enjoy nature. And the location is excellent. The home is zoned for Westview Elementary and East Hamilton High School and is conveniently located just around the corner from Westview Elementary, while still offering the privacy and tranquility of a tucked-away neighborhood. Highlights Completely renovated and move-in ready New exterior siding Year-round creek along the back of the property Quiet, private lot at the end of the street 22-foot living room ceilings 5-inch site-finished hardwood floors Marble kitchen countertops New carpet and fresh paint Updated bathrooms Spa-inspired primary bathroom Custom shower and separate soaking tub Walk-in closets with custom closet systems Two dedicated home offices Beautiful outdoor living space Zoned for Westview Elementary and East Hamilton High School Everything has been done for you. Just bring your things and move in. This is a rare opportunity to own a completely updated home that combines privacy, natural beauty, spacious living, and an unbeatable sense of peace--all in a convenient suburban location. For Sale By Owner.

9667 Ashton View Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$475,000

3 Beds ⋅ 2 Baths ⋅ 1541298 MLS

Beautifully maintained, move-in ready home offering easy one-level living in the desirable Horse Creek Farms community. Built in 2004 and offering 1,962 square feet with 3 bedrooms and 2 full baths, this home is very convenient to Downtown Chattanooga and Signal Mountain. Great curb appeal includes a partial brick exterior, mature magnolia shade tree and a covered rocking chair front porch with swing. Across the street is a beautiful spring fed pond. Inside, a tiled foyer framed by majestic columns welcomes you. To the left of the foyer, two bedrooms offer generous closets and share a full bath with tub/shower combo. There is also an office space off of the hallway with a nice built-in desk, shelves and cabinets (this home was designed so that a staircase could go here to access the second floor attic to create additional living space for your guests or growing family!). To the right of the foyer, enter the spacious living room, featuring hardwood floors and a gas-log fireplace. More beautiful columns welcome you to the kitchen offering a breakfast bar with pendant lighting, abundant cabinetry, stainless appliances, and pantry storage, while the adjacent eat-in area features a triple window that fills the space with natural light. Off of the kitchen, at the back of the home, French doors open to the main-level private primary suite, complete with chair rail molding and a luxurious ensuite bath featuring dual vanities, walk-in closet, and oversized tiled walk-in shower with double shower heads and body sprayers. The laundry room includes the washer and dryer, which remain, along with cabinetry and wire shelving. Outside, enjoy the covered side porch and patio overlooking the level grassy yard. The rear-entry garage provides covered parking or storage space. Behind the home, there is a beautiful greenway for your enjoyment with trails and Beautiful Horse Creek. This move-in ready, charming home offers a great opportunity for it's next owner!

217 Horse Creek Drive, Chattanooga

Listing courtesy of Keller Williams Realty.

$310,000

3 Beds ⋅ 3 Baths ⋅ 1541067 MLS

Home with apartment! Welcome to 7635 Mallette Road--a versatile Chattanooga home offering space, flexibility, and a convenient location. The main level features a rocking chair covered front porch, three bedrooms, two full bathrooms, an updated kitchen, eat in kitchen area, and living room; while the finished basement includes a private apartment with its own bedroom, bathroom, full kitchen, and living room. This flexible layout is ideal for multigenerational living, extended guests, a home office, rental income, or additional living space. Outside, enjoy a huge, fully fenced yard with plenty of room for pets, play, entertaining, or gardening. There is plenty of driveway parking and the apartment has a pull off parking spot for added flexibility. Conveniently located near Volkswagen, Gestamp, Amazon, Highway 153, shopping, dining, and other major Chattanooga employers and destinations, this property offers comfortable living with excellent accessibility. Schedule your showing today and don't let this unique opportunity pass you by!

7635 Mallette Road, Chattanooga

Listing courtesy of RE/MAX Properties.

$209,000

4 Beds ⋅ 3 Baths ⋅ 1541044 MLS

All-brick 4-bedroom, 3-bath basement ranch on a large fenced lot in established Mount Belvoir -- 2,513 square feet with bones that are hard to find at this price. The main level offers true one-level living: formal living and dining rooms, a den with a brick fireplace open to the kitchen through a pass-through bar, a bay-window breakfast nook, and four bedrooms. Downstairs, a spacious finished lower level adds a second brick fireplace, a built-in wet bar, a full bath, and laundry -- plus an unfinished workshop and a drive-under two-car garage with an oversized parking pad. Sold strictly AS-IS. Flooring has been removed throughout the main level, and drywall, kitchen, and baths need finishing. This is a renovation project priced accordingly -- best suited to cash, hard-money, or renovation-loan (203k) buyers. Bring your contractor and your vision. Minutes to shopping, dining, schools, and I-75.

913 Belvoir Hills Circle, Chattanooga

Listing courtesy of Keller Williams Nashville-Franklin.

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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.