Georgetown Homes with USDA Loan Terms

Welcome to Georgetown, Tennessee – a hidden gem nestled in the heart of the Volunteer State! Known for its charming small-town atmosphere and picturesque landscapes, Georgetown offers a perfect blend of rural tranquility and modern conveniences. With its friendly community and vibrant local culture, it's no wonder that many are drawn to this delightful area.

Georgetown boasts a rich history and a strong sense of community, making it an ideal place for families and individuals alike. The town is surrounded by lush greenery, with scenic parks and recreational areas that invite outdoor enthusiasts to explore. Whether you're hiking the nearby trails or enjoying a picnic by the lake, you'll find plenty of opportunities to connect with nature.

For those looking to make Georgetown their home, the housing market presents an exciting prospect. Many homes in this area qualify for USDA loan terms, making it an attractive option for first-time buyers and those seeking affordable housing solutions. USDA loans are designed to promote homeownership in rural areas, offering competitive interest rates and low down payment options. This means you can secure your dream home without breaking the bank!

With a variety of charming houses, from quaint cottages to spacious family homes, Georgetown has something to suit every taste and budget. Imagine waking up in a serene neighborhood, surrounded by friendly neighbors and the beauty of Tennessee’s rolling hills.

If you're ready to start your journey towards homeownership in Georgetown, TN, now is the time to explore the opportunities available to you. Let us help you find your perfect home in this wonderful community!

Newest Georgetown Homes with USDA Loan Terms

$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.

$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 ⋅ 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.

$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.

$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.

$299,000

1392815 MLS

Welcome to your new homestead, farm, or hunting grounds. This 42.68 acres of pristine land is completely untouched by the developments making their way across Bradley County. Relax by the creek, hunt or hike in the woods, or build your dream home off the beaten path! Schedule your showing today before it's gone! *Residential driveway permit application is pending. *Please note this is a flag lot that connects to the road. There is no road frontage for sale. Please contact me or your agent to obtain a copy of the Plat Map. Buyer to verify all information as part of their due diligence. *Part of property is in a flood zone.

000 No Pone Valley Road, Georgetown

Listing courtesy of Realty One Group Experts.

Start Your Search

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.