Georgetown Homes with FHA Terms

Welcome to Georgetown, Tennessee – a charming city that beautifully blends small-town warmth with modern conveniences. Nestled in the heart of the Volunteer State, Georgetown offers residents a tranquil lifestyle surrounded by stunning natural beauty. With its picturesque landscapes, friendly neighborhoods, and rich history, this hidden gem is perfect for families, retirees, and anyone looking to embrace a vibrant community.

Georgetown boasts a variety of amenities, including local parks, shops, and dining options that cater to every taste. The city’s commitment to preserving its natural beauty is evident in its well-maintained green spaces, ideal for outdoor enthusiasts and those seeking a peaceful retreat. The community hosts numerous events throughout the year, fostering a strong sense of belonging and connection among residents.

For those looking to make Georgetown their home, you’ll be pleased to discover that many properties are available with FHA financing options. This means that first-time homebuyers and those with limited savings can take advantage of accessible financing terms, making homeownership a reality. The homes in Georgetown range from charming historic houses to modern new builds, ensuring that there’s something for everyone.

Living in Georgetown means enjoying the best of both worlds: a serene environment with easy access to larger cities for work and entertainment. Whether you’re drawn to the friendly community vibe, the beautiful surroundings, or the affordable housing options, Georgetown, TN, is a place where you can truly feel at home. Come explore the possibilities and discover why this city is the perfect choice for your next chapter!

Newest Georgetown Homes with FHA Terms

$599,000

4 Beds ⋅ 3 Baths ⋅ 1542649 MLS

Welcome to Grasshopper Estates! Built in 2024, this beautifully designed home offers the perfect blend of modern style, comfort, and functionality on nearly half an acre in a peaceful Georgetown setting. Step inside to discover soaring cathedral ceilings in the living room, high-end finishes throughout, upper-tier granite countertops, premium cabinetry, contemporary light fixtures, and abundant storage space. The thoughtfully designed floor plan features a spacious primary suite on the main level, while upstairs you'll find large additional bedrooms connected by a convenient Jack-and-Jill bathroom. Enjoy outdoor living year-round from the covered back porch overlooking the large, private backyard, complete with a fully fenced rear section and raised garden boxes ready for your favorite herbs and vegetables. The attractive Hardie Plank and stone exterior adds timeless curb appeal, while the location provides a quiet retreat with easy access to Chattanooga, Cleveland, and Ooltewah. Whether you're entertaining, gardening, or simply relaxing at home, this property offers the space, style, and convenience you've been looking for. Inquire about the 1% interest rate buy down incentive with the preferred lender.

7381 Peytons Rise Way, Georgetown

Listing courtesy of Berkshire Hathaway HomeServices J Douglas Properties.

$380,000

3 Beds ⋅ 2 Baths ⋅ 1542012 MLS

REMODELED HOME | PRIVATE SETTING | FLEXIBLE LIVING SPACE - Enjoy privacy, updated finishes, and a convenient location in this beautifully remodeled 3 bedroom, 2 bathroom home offering approximately 1,736 square feet. The refreshed interior features modern touches throughout, including double vanities, spacious walk-in closets, and versatile rooms that can easily adapt to your needs. Create a dedicated home office, dressing or vanity room, hobby space, or additional flex area to make the layout your own. Outside, the private lot offers a peaceful setting with room to enjoy the outdoors. Located just a short drive from Cleveland and even closer to the river, this home offers the opportunity to enjoy a quieter setting while keeping everyday conveniences and outdoor recreation within easy reach.

1513 Eads Bluff Road NW, Georgetown

Listing courtesy of Richardson Group.

$714,900

3 Beds ⋅ 4 Baths ⋅ 1541910 MLS

**Modern Elegance Meets Panoramic Views - A Must-See Home!** Welcome to this stunning 5-year-old custom-built home in the breathtaking **The Reserve** subdivision, nestled between Charleston and Georgetown, where convenience and seclusion truly meet. Situated on a serene 2-acre lot with beautiful mountain views, this home offers 3 bedrooms, 3.5 bathrooms, and a spacious 3-car garage. The main level features an inviting open-concept layout with a sleek modern kitchen, walk-in pantry, premium appliances, and designer touches throughout. The thoughtfully designed laundry room offers extra cabinetry and a built-in sink. The primary suite and two additional bedrooms are also on the main level, along with 2.5 baths and a flexible office or sitting room. Upstairs, a large bonus room with a full bath provides endless possibilities as a guest suite, media room, home theater, or private retreat. Enjoy peaceful mornings and stunning sunsets from the covered front porch, where the picturesque mountain line frames your private view. The covered back patio extends the living and entertaining space, while meticulously maintained landscaping creates a polished and welcoming setting. Although the surroundings feel wonderfully secluded, you're still close to everything you need. Boating and fishing are less than 4 miles away, the Interstate is under 6 miles, and dining and shopping along Paul Huff Parkway are just 9 miles away. Every inch of this home reflects modern luxury, thoughtful design, and timeless appeal--all in a location that truly lives up to its name. Don't miss your opportunity to make The Reserve your home!

165 Reserve Drive NW, Georgetown

Listing courtesy of Keller Williams.

$579,000

3 Beds ⋅ 3 Baths ⋅ 1541304 MLS

Are you looking for a convenient country lifestyle? Are you looking to be away from it all but not too far that you feel left out of the world? Are you looking for peace and privacy but a neighborhood that has get togethers and that down home feel where you can ask for a cup of sugar when needed. If you answered yes, you are in luck! Welcome home 7532 Peytons Rise Way. This beautiful home is in Grasshopper Estates in scenic Georgetown, TN! Centrally located between Ooltewah, Cleveland, and Dayton with just a 40 minute drive to downtown Chattanooga. Entering the home is as breathtaking as the drive to it. Enjoy a bright and timeless interior that creates a seamless flow between the exterior and interior selections. This home will be the perfect space for everyone, with its thoughtfully designed layout and spacious living spaces. The designer kitchen boasts ample cabinetry along with beautiful quartz, a walk-in pantry and large working island - perfect for all of you chefs out there! Tucked away on the back corner of the main level, enjoy a master retreat like no other, complete with a spacious en-suite and a walk-in closet featuring custom built ins. The dining room could also make the perfect flex space serving as an office area or wonderful entertaining space for formal occasions. Make your way upstairs where you will find 2 additional bedrooms, 1 full bathroom, and a large bonus room ready for you to personalize to your needs! As Fall and football season gear up, retreat to the covered back porch overlooking OVER 1 ACRE of property to enjoy the game or the crisp temperatures. Keep an eye out as deer and other wildlife are plentiful. You will be delighted with the oversized garage that fits a full size truck. This home is not lacking storage from the large closets, walk out attached and even a fantastic crawl space with enough room to stand store lawn equipment. Enjoy elevated country living here in Grasshopper Estates. Schedule your private tour today!

7532 Peytons Rise Way, Georgetown

Listing courtesy of EXP Realty LLC.

$315,000

4 Beds ⋅ 3 Baths ⋅ 1541032 MLS

Welcome to 11134 Highway 58 in Georgetown, Tennessee, where a complete renovation meets the space and peaceful setting of approximately 1.4 acres. This beautifully updated 4-bedroom, 3-bathroom home has been thoughtfully remodeled from top to bottom, offering fresh finishes and plenty of room to make your own. Step inside to a bright, refreshed interior highlighted by a completely remodeled kitchen featuring new cabinetry, beautiful stone countertops, updated fixtures, and modern finishes. The home's three bathrooms have also been fully renovated, bringing a clean, contemporary feel throughout. With four bedrooms and generous living space, the floor plan offers plenty of flexibility for family, guests, a home office, or additional recreational space. An attached two-car garage provides convenient parking, storage, and easy access to the home. Outside, you'll find approximately 1.4 acres, providing the space and privacy of a country setting with plenty of room to enjoy the outdoors. The covered front porch offers the perfect place to relax and take in the peaceful surroundings. With a fully remodeled interior, new kitchen, stone countertops, updated bathrooms, four bedrooms, three full bathrooms, attached two-car garage, and a spacious lot, this Georgetown home brings together modern updates and country living in one move-in-ready package.

11134 Highway 58, Georgetown

Listing courtesy of LPT Realty LLC.

$750,000

3 Beds ⋅ 2 Baths ⋅ 1540686 MLS

RANCH on the RIVER with a full finished basement & Private Boat Ramp! Home features vaulted ceilings, hardwood floors, a screened back porch, and did we mention its steps to the water. Brand NEW garage built 2026. The first level has 3 bedrooms, 1 full bathroom, and a laundry room. With an open level concept in the kitchen, dining, and living room spaces you'll have endless opportunity to entertain. Come see the views from the covered porch or hang out with guests while enjoying cooler nights around a fire feature watching TV. The lower level has an open concept as well with a den, dining area, full kitchen, 2 guest rooms, and a full bathroom. Sit under the lower covered porch where you can grill out and watch the boats coast in. Dock with boat lift is shared with the neighboring property. This home is located on a quiet cove just off of the main channel. 5 minutes by boat to B&B Marina and Restaurant. Enjoy evening boat rides or paddling kayaks where the most beautiful mirrored sunsets are just at the end of this cove. 20 minutes to the city of Cleveland. 30 minutes to Dayton. 36 minutes to Harrison, TN. Recent appraisal completed August 2026. Come make this retreat your home today before it's gone!

220 Sam Johnson Road NW, Georgetown

Listing courtesy of Compass Group Realty,LLC.

$750,000

3 Beds ⋅ 3 Baths ⋅ 1540339 MLS

RARE opportunity to live on the RIVER in the Lake Pointe subdivision! PRICED BELOW APPRAISAL! Whether it's entertaining, swimming in the river, or swimming in the POOL this home has it all! Step inside and immediately be taken away with the view. Vaulted ceilings and numerous windows add charm to the main living areas. This home features a screened oversized porch overlooking water views and the pool house. There is a detached garage with plenty of working space. Don't forget this oasis has a full finished basement with a second kitchen, second dining room, entertainment room, bathroom, and sleeping space! The lower covered porch has plenty of seating for gathering friends and outdoor grilling area overlooking a tranquil water feature. The home comes with a chair lift extending from top level to the bottom level for anyone that may benefit. Lots of floored attic space. Nestled in Georgetown within Bradley County, it's only 20 minutes to the city of Cleveland. 30 minutes to Dayton, TN. 36 minutes to Harrison, TN where the Chickamauga Lake watershed/TN River feed into the Hiwassee River. Local B&B Marina & Restaurant is just a short drive. Come see this DREAM HOME today!!

236 Sam Johnson Road NW, Georgetown

Listing courtesy of Compass Group Realty,LLC.

$795,000

4 Beds ⋅ 4 Baths ⋅ 1538323 MLS

Nestled in Georgetown, Tennessee, this stunning 4-bedroom, 4-bath estate offers approximately 4,400 sq ft of thoughtfully designed living space surrounded by just over 16 acres of total privacy. The open-concept layout welcomes natural light and frames breathtaking long-range views, creating a perfect setting for everyday comfort and unforgettable gatherings. Spacious living and entertaining areas flow seamlessly into a well-appointed kitchen and expansive common spaces. The property's size and seclusion make it especially picturesque in the fall, with seasonal colors enhancing the already remarkable scenery. An exterior detached garage features a car lift, ideal for collectors, hobbyists, or workshop needs. Generous bedrooms and multiple baths provide comfort and flexibility for family and guests alike. Whether hosting events or enjoying quiet evenings, this home balances luxury, functionality, and peaceful country living. Opportunities like this - private acreage, views, and room to live fully - rarely come available.

2434 Sugar Creek Road SE, Georgetown

Listing courtesy of Berkshire Hathaway HomeServices J Douglas Properties.

$139,900

3 Beds ⋅ 2 Baths ⋅ 10787762 MLS

Beautiful home on a level lot.Open floor plan split bedroom design with large open kitchen combo with living and dining areas. Kitchen has large center island/breakfast bar, stainless appliances and SS european style vent hood. Large master bedroom with ensuite bathroom with walk in shower and walk in closet. 2 additional guest bedrooms with guest bathroom. Home eligible for 100% financing with VA or USDA loan, 96.5% financing with FHA loan and also possible seller financing.

128 Jacqueline Drive, Georgetown

Listing courtesy of New Creation Real Estate.

$469,000

3 Beds ⋅ 2 Baths ⋅ 1536568 MLS

Welcome to this stunning new construction home in the heart of Georgetown! Situated on a spacious 0.56-acre lot, this beautifully crafted residence offers 2,350 square feet of thoughtfully designed living space with 3 bedrooms and 2 full bathrooms. Step inside to discover an open-concept floor plan filled with natural light, modern finishes, and quality craftsmanship throughout. The spacious living area flows seamlessly into the kitchen and dining space, creating the perfect setting for everyday living and entertaining. The kitchen is designed to impress with stylish finishes, ample cabinetry, and generous workspace. The primary suite serves as a private retreat, featuring a well-appointed ensuite bathroom and plenty of closet space. Two additional bedrooms provide flexibility for family, guests, or a home office. Outside, you'll enjoy the privacy and possibilities that come with over half an acre of land. Whether you're dreaming of outdoor entertaining, gardening, or simply enjoying peaceful country living, this property offers the space to make it your own. Conveniently located in Georgetown while providing a quiet, scenic setting, this brand-new home combines modern comfort with the charm of East Tennessee living.

7395 Gamble Road, Georgetown

Listing courtesy of Zach Taylor - Chattanooga.

$574,900

3 Beds ⋅ 3 Baths ⋅ 1536084 MLS

***Seller Offering up to $10,000 towards Buyer Expenses*** Some mornings, the best plan is no plan at all. On this 1.22-acre wooded lot in Georgetown, that starts with coffee on the covered porch, birdsong instead of traffic, and enough privacy that you forget your closest neighbor exists. Inside, the main-level primary suite means no stairs to think about -- just a home that's ready to fit your life not just today, but the future too. A shiplap fireplace and vaulted living room give the space a calm, gathered feeling, while the fenced backyard leaves room for a garden, grandkids visiting, or a dog who loves to roam. Minutes from Chickamauga Lake, a short drive to Bear Trace at Harrison Park for a round of golf, and about 30-40 minutes from Chattanooga, or with historic downtown Cleveland close by for an easy afternoon out -- this is quiet living with easy reach to the things you love. Upstairs, you'll find a private retreat featuring a large third bedroom, full bathroom, and oversized bonus room. Whether you need a media room, home office, fitness space, playroom, second living area, or guest suite, this flexible space adapts to your lifestyle. Additional features include a welcoming front porch, dedicated laundry room, drop zone, generous storage, and a thoughtfully designed layout that offers both comfort and functionality. Located near Cleveland, TN within easy reach of Harrison Bay and Chattanooga, this home combines acreage, privacy, outdoor living, flexible living spaces, and modern finishes in one desirable package. Whether you're looking for room to grow, space to entertain, or simply a quieter pace of life, this property offers the opportunity to enjoy the best of East Tennessee living. BUYER ADVANTAGE - This home qualifies for a LENDER PAID 2-1 Buydown, offering reduced monthly mortgage payments during the first two years at no cost to the buyer or seller; specific lender required. **Sellers Closing expense of $5,000 is with acceptable offer - Call to schedule your private showing!

11785 Maddox Drive, Georgetown

Listing courtesy of Keller Williams Realty.

$219,000

3 Beds ⋅ 1 Baths ⋅ 1530695 MLS

This beautifully remodeled 3-bedroom, 1-bath home sits on nearly an acre and offers the perfect blend of modern updates and spacious living. Featuring a bright open layout, new flooring, and a stylishly updated kitchen with new cabinetry, countertops, and stainless-steel appliances, this move-in-ready home is designed for both comfort and convenience. The updated bathroom adds a fresh touch, while the expansive yard provides plenty of room for kids, pets, gardening, or outdoor entertaining - all just minutes from schools, shopping, and dining.

257 Mount Zion Road NW, Georgetown

Listing courtesy of Century 21 1st Choice Realtors.

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