Cleveland Homes with Owner May Carry Terms

Welcome to Cleveland, Tennessee—a hidden gem nestled in the heart of Bradley County! Known for its rich history, vibrant community, and beautiful landscapes, Cleveland offers a unique blend of small-town charm and modern conveniences. With a population that values connection and camaraderie, residents enjoy a welcoming atmosphere that makes it easy to feel at home.

Cleveland boasts a variety of recreational opportunities, including picturesque parks, scenic hiking trails, and the stunning views of the nearby Cherokee National Forest. The city is also home to a thriving arts scene, with local galleries, theaters, and music festivals that celebrate the creative spirit of the community. Families will appreciate the excellent schools and safe neighborhoods, making it an ideal place to raise children.

When it comes to real estate, Cleveland has something for everyone, including homes with owner may carry terms. This flexible financing option can be a game-changer for buyers seeking a more accessible path to homeownership. With owner may carry terms, sellers can offer financing directly to buyers, making it easier to negotiate terms that suit both parties. This is particularly beneficial in today’s competitive market, allowing potential homeowners to secure their dream property without the stringent requirements often associated with traditional mortgages.

Whether you’re looking for a cozy family home, a charming cottage, or a spacious estate, Cleveland, TN, offers a diverse selection of properties. Embrace the warmth of this remarkable city and discover the perfect place to call home in Cleveland!

Newest Cleveland Homes with Owner May Carry Terms

$244,900

3 Beds ⋅ 1 Baths ⋅ 1542423 MLS

This is what you have been hoping to find! Completely updated home with crown molding, hardwood and tile floors throughout, fenced in backyard, nice level lot. This home has been very well maintained and is ready to welcome your family!

408 SE Fairview Drive SE, Cleveland

Listing courtesy of RE/MAX Experience.

$284,900

3 Beds ⋅ 2 Baths ⋅ 1540288 MLS

Location meets charm in this updated 3-bedroom, 2-bathroom ranch, situated on a level lot just minutes from everything Cleveland has to offer! Step onto a covered front porch and inside to a bright, spacious living room complete with gleaming hardwood floors, crisp crown molding, and a focal stone fireplace. The open-concept archway flows directly into the formal dining room, creating a layout built for effortless entertaining. The updated kitchen features granite countertops, sleek mosaic tile backsplash, dark wood cabinetry, and stainless-look/black appliances. Just off the kitchen, step out onto an open sun deck--perfect for outdoor dining while taking in the serene and secluded, tree-lined backdrop. Further in, discover beautiful hardwood floored living space that extends into three bedrooms. The primary suite features its own bath with tile finishes and convenient laundry access. The back bedroom gives you direct access to a separate, expansive covered deck. Outdoor living continues in the yard with a built-in stone fire pit, surrounded by ambient string lights--your go-to spot for crisp evening gatherings. Beneath the main floor sits a full unfinished basement offering endless storage, workshop potential, or future expanded living space, a dual sump pump system and dedicated dehumidification. In a sea of homes, this is gem you've been waiting for!

1301 Harrison Pike, Cleveland

Listing courtesy of Premier Property Group Inc..

$495,000

4 Beds ⋅ 3 Baths ⋅ 1539200 MLS

Beautiful updates, spacious living areas, and an inviting backyard retreat await at 3820 Charleston Drive NE! Situated on approximately one acre in Cleveland, this 4-bedroom, 3-bath brick ranch blends timeless character with modern finishes and plenty of room to enjoy both indoors and out. The open floor plan creates a welcoming setting for everyday living and entertaining. At the heart of the home, the custom kitchen features high-end cabinetry, granite countertops, stainless steel appliances, double ovens, and a classic white farmhouse sink. A separate dining room, tray ceilings, upgraded doors, and a striking brick accent wall with built-ins add character throughout. New carpet adds a fresh, comfortable touch. Just beside the dining room, a versatile sitting room makes an ideal reading nook, home office, or quiet place to unwind. The main living room opens directly to the pool and patio, making it easy to carry gatherings outdoors. A conveniently located guest bathroom just off the living room features a granite countertop. The generously sized primary suite offers its own access to the pool area, along with a private bathroom featuring a soaking tub and walk-in shower. Outside, the beautifully maintained in-ground pool, expansive patio, and outdoor brick fireplace create a setting for relaxing afternoons and evenings with guests. Beyond the pool and entertaining spaces, the approximately one-acre lot offers plenty of usable yard space for gardening, recreation, or simply enjoying the outdoors. A detached storage building and two-car garage with additional private office space provide practical storage and flexibility. Conveniently located near Bradley Square Mall, Lee University, and historic Downtown Cleveland, this home puts shopping, dining, entertainment, and everyday essentials within easy reach. Donald P. Yates Primary School, Cleveland Middle School, and Cleveland High School are also nearby. Schedule your private showing now!!!

3820 NE Charleston Drive NE, Cleveland

Listing courtesy of Coldwell Banker Kinard Commercial.

$390,000

3 Beds ⋅ 2 Baths ⋅ 1539020 MLS

SIGNIFICANT PRICE IMPROVEMENT!! WELCOME TO 3631 WOODCREST CIR NW, CLEVELAND, TN 37312! LOCATION + PRIVACY + SPACE in North Cleveland! Enjoy the best of both worlds--a convenient location close to city amenities while coming home to a peaceful, serene backyard setting with a spacious yard and tree-lined wooded view for added privacy. This move-in ready all-brick rancher with finished basement offers approximately 2,940+ sq ft of total living space, an approximately 0.40-acre lot, and a quiet, semi-secluded cul-de-sac location. Effective year built: 2007. Conveniently located within walking distance to the Cleveland Greenway and Tinsley Park, with restaurants, doctors' offices, schools, shopping. The Ocoee River, popular for various water sports, is about 30 miles east of Cleveland. MAIN LEVEL FEATURES: Welcoming foyer with coat closet Spacious living/dining room combination Kitchen with KraftMaid custom cabinetry, including some pull-out shelves & eat-in breakfast bar area Kitchen appliances Den/office conveniently located near the kitchen and garage, featuring: gas fireplace, built-in bookshelves and desk--ideal for working from home Nice-Sized Deck leads to back yard serenity and Gazebo Large picture window with window seat overlooking the spacious backyard and peaceful tree-lined woods, where you may occasionally spot deer 3 bedrooms and 2 full baths Convenient laundry closet Attached 2-car garage with interior access to the kitchen and den/living area Hardwood flooring in main living areas A spacious 28' x 22' finished basement features a partial dividing wall, creating flexible space for a game room, media area, office, bedroom or hobby space. Two additional rooms provide excellent storage and could offer potential for additional finished space, including a possible full bathroom. *Buyers to verify square footage and all other information important to their needs, including school zones. Current owners have made all repairs they were able to make. Buyer to verify all information that is important to their needs, including sq ft, lot size, location, schools, etc.

3631 Woodcrest Circle NW, Cleveland

Listing courtesy of LPT Realty LLC.

$439,900

3 Beds ⋅ 3 Baths ⋅ 1534296 MLS

SPACIOUS HOME • PRIVATE FINISHED LOWER LEVEL • NEW WORKSHOP Space, flexibility, and possibilities all in one property! Welcome to this spacious and versatile home in desirable Valley Hills Estates, offering an exceptional layout with plenty of room for family, guests, hobbies, work, and future possibilities. The main level features 3 bedrooms and 2 full bathrooms, along with a welcoming open-concept living area that provides a comfortable space for everyday living, entertaining, and making memories with family and friends. FULLY FINISHED LOWER LEVEL The fully finished lower level adds incredible versatility to this home, featuring a full kitchen, three separate rooms, and a full bathroom that can be used for guests, family, a home office, recreation space, hobby rooms, or storage. With its own kitchen, full bathroom, and multiple rooms, the lower level gives you the flexibility to use the space in whatever way best fits your lifestyle. NEW 20' x 30' WORKSHOP Step outside and discover a brand-new 20' x 30' workshop with endless possibilities. Whether you need space for hobbies, woodworking, automotive projects, equipment, storage, or a home-based business, this impressive addition gives you the room you've been looking for. 600-SQ.-FT. SPACE ABOVE THE WORKSHOP Above the workshop is an additional 600-square-foot space that has been roughed-in and is ready for your finishing touches. This versatile area offers plenty of possibilities and can be customized to fit your needs, whether you envision a private retreat, guest space, studio, office, hobby area, or additional living space. NEW 12' x 12' STORAGE SHED You'll also appreciate the brand-new storage shed, providing plenty of additional room for lawn equipment, tools, seasonal items, outdoor gear, and more. NEW 10' x 16' BACK DECK Just completed, the new back deck is the perfect place for grilling, entertaining, enjoying your morning coffee, or relaxing outdoors with family and friends. Call for a tour!

2443 NW Valley Hills Trail, Cleveland

Listing courtesy of Real Estate Partners Chattanooga LLC.

$575,000

4 Beds ⋅ 3 Baths ⋅ 1533251 MLS

Welcome to your private retreat! This beautifully remodeled 4-bedroom, 3-bathroom home sits on 2.3 peaceful acres, offering the perfect blend of modern updates and outdoor living. Step inside to find a fully updated interior featuring fresh finishes, spacious living areas, and a functional layout designed for both comfort and everyday living. Outside is where this property truly shines. Enjoy a large in-ground pool--perfect for summer days--paired with an expansive entertaining gazebo ideal for hosting gatherings, relaxing evenings, or game day get-togethers. Additional features include: Attached carport for convenient covered parking Two separate storage structures, perfect for tools, hobbies, or extra storage Plenty of open space for recreation, gardening, or future expansion Whether you're looking for a move-in-ready home with land, a place to entertain, or your own quiet escape, this property checks all the boxes. Don't miss this rare opportunity for acreage + upgrades + outdoor lifestyle--all in one. Equitable Ownership Interest. Contact listing agent for details. Pool imagery has been edited to show what the pool looks like when open for the season.

662 Red Hill Valley Road SE, Cleveland

Listing courtesy of LPT Realty LLC.

$380,000

1532324 MLS

Mountain views, creek frontage, and 36.32 acres to call your own. Offered at $380,000, this land for sale in Cleveland, TN, brings together open acreage, mature woods, and a scenic ridge overlooking the surrounding countryside. Located on Red Hill Valley Road SE in Bradley County, the property offers a landscape worth exploring. Take in the long-range mountain views from the ridge, walk the open ground, and discover the creek along the lower portion. The combination of woods, water, and changing terrain gives this Southeast Tennessee acreage its distinctive character--and there is more to appreciate than a roadside view can reveal. For buyers searching for Tennessee land with mountain views and owner financing, this property offers both. Seller Financing is available with $180,000 down and the remaining balance financed over 10 years at a fixed 7% interest rate. The loan is fully amortizing, with no balloon payment and no prepayment penalty. Schedule a property tour to see the views, explore the acreage, and get a closer look at the setting. Buyers should verify access, utilities, soils, restrictions, and suitability for their intended use and any other items deemed important.

1625 Red Hill Valley Road SE, Cleveland

Listing courtesy of Real Estate Partners Chattanooga LLC.

$97,000

1527904 MLS

Welcome to your blank canvas! This expansive 6.47-acre parcel of unrestricted land presents an incredible opportunity for those with a vision.The property boasts a mix of dense, mature trees and a cleared area near the road, providing an ideal balance of solitude and accessibility. A charming small creek graces the property during the wet season, adding a touch of tranquility to the setting. A gate in the front plus partial fencing in the front and back of the property enhance privacy and security. Despite the secluded feel, utilities are readily available including high speed internet up to 1GBs. There is a small shed on the property, but it is falling apart. Whether you're looking to build a dream home, establish a private retreat, or embark on an agricultural venture, this property offers endless possibilities. Don't miss out on this unique opportunity to own a piece of unspoiled nature!

SE Bohannons Road, Cleveland

Listing courtesy of EXP Realty LLC.

$89,900

1516625 MLS

This could be your opportunity to construct a tailor-made home in the Bentley Park subdivision. You can own the entire 1.29-acre double lot. The gated community offers an array of facilities, including a clubhouse, tennis courts, and a peaceful and secure neighborhood. You can take a pleasant stroll in the neighborhood park or on the sidewalks that encompass the entire community. Contact us now!

115 NW Bentley Park Drive 39, Cleveland

Listing courtesy of Crye-Leike, REALTORS.

$491,000

1384632 MLS

39.19 acres in the county.

39.19ac SE Trewhitt Road, Cleveland

Listing courtesy of Crye-Leike, REALTORS.

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