Harrison Homes with FHA Terms

Welcome to Harrison, Tennessee – a hidden gem nestled in the heart of Hamilton County. This charming community offers a harmonious blend of small-town charm and modern conveniences, making it an ideal place to call home. With its picturesque landscapes, friendly neighborhoods, and vibrant local culture, Harrison is perfect for families, retirees, and everyone in between.

Harrison boasts a variety of recreational opportunities, from scenic parks to stunning waterfront views along the Chickamauga Lake. Outdoor enthusiasts will appreciate the abundance of hiking trails, fishing spots, and picnic areas, all while enjoying the beautiful Tennessee weather. The community is also conveniently located just a short drive from downtown Chattanooga, where you can explore a rich tapestry of dining, shopping, and entertainment options.

For those considering making Harrison their home, you’ll be pleased to know that many properties in the area are eligible for FHA financing. This means you can take advantage of lower down payment options and more flexible credit requirements, making homeownership more accessible than ever. Whether you're looking for a cozy single-family home or a spacious townhouse, Harrison offers a diverse selection of real estate options to suit your needs.

With its welcoming atmosphere and strong sense of community, Harrison, TN is not just a place to live; it’s a place to thrive. Come discover the charm of Harrison, where your dream home awaits amidst a backdrop of natural beauty and Southern hospitality. Don’t miss out on this opportunity to invest in a community that truly feels like home!

Newest Harrison Homes with FHA Terms

$500,000

3 Beds ⋅ 3 Baths ⋅ 1542505 MLS

No HOA, 1.19 acres, and a 2022 build with the primary suite on the main level, five minutes from Chickamauga Lake. Tucked on a quiet country road in Harrison, this modern craftsman gives you the land and freedom that most newer homes in the area can't: a fully fenced back yard, a big deck with a slide straight down to the grass, a fire pit, and property lines that run deep into the woods behind you. Bring the kids, the dog, the garden, and the boat. Inside, the great room opens to the kitchen around a stone fireplace, with a large island, gas range, stone counters, and a walk-in pantry. The main-level owners' suite has cathedral ceilings, a walk-in closet, double vanity, and a tiled double shower, and the laundry room and two-car garage are steps away. Upstairs, two bedrooms (one with built-in bunks), a full bath, a large bonus room, and walk-in attic storage give everyone room to spread out. Start your mornings on the covered front porch by the native pollinator garden, spend your weekends at Harrison Bay State Park and Island Cove Marina, and still be downtown Chattanooga in 30 minutes. Three bedrooms, three full baths, 2,532 square feet, and over an acre that is yours to use as you like.

6413 Shirley Pond Road, Harrison

Listing courtesy of Keller Williams Realty.

$300,000

3 Beds ⋅ 2 Baths ⋅ 1542214 MLS

Your move in ready home awaits! Tucked just off Hwy 58, this beautifully renovated home sits on one private acre and features a new septic system (March 2026), new septic tank (Oct 2025), and HVAC replaced in May 2022, along with a newer roof and water heater. Step onto the cozy front porch and into an open-concept layout filled with custom trim work and quality craftsmanship. The spacious living area flows seamlessly into the eat-in space and kitchen, creating great sightlines for everyday living and entertaining. The kitchen is sure to impress with custom cabinetry, granite countertops, brand new stainless steel appliances, and beautiful tile flooring. Out back, enjoy a private deck overlooking the peaceful surroundings perfect for morning coffee or relaxing evenings.

8651 Highway 58, Harrison

Listing courtesy of Berkshire Hathaway HomeServices J Douglas Properties.

$314,900

3 Beds ⋅ 2 Baths ⋅ 1542188 MLS

Welcome to 6345 Fairest Dr in Harrison! This beautifully renovated home is move in ready and offers the perfect blend of modern updates, comfort, and style. The home has been thoughtfully redone and features new windows, new lighting fixtures, a brand new kitchen, renovated baths, and a brand new deck. Luxury vinyl plank flooring runs throughout the home, creating a clean, cohesive look that is both stylish and durable. The updated kitchen features granite countertops and modern finishes of stainless appliances while the renovated bathrooms add a fresh, contemporary feel. Outside, the new deck provides a great space for relaxing. And a bonus for buyers---low county taxes! This is a great opportunity to own a beautifully renovated home with so many major updates already completed. Don't miss it!!!

6345 Fairest Drive, Harrison

Listing courtesy of RE/MAX Properties.

$997,000

3 Beds ⋅ 3 Baths ⋅ 1541774 MLS

HARRISON BAY WATER ACCESS | 4± ACRES! Discover the best of Tennessee living in this fully remodeled, all-brick home on 4± acres with breathtaking year round lake views -- and direct access to Harrison Bay State Park with lake access right from your property! This rare setting offers both privacy and connection to nature, with water access and the beauty of the park as your neighbor. Thoughtfully redesigned with an open living concept, this one-level home with a full basement blends modern style with everyday comfort. Inside, you'll find new 2025 HVAC, cabinets, high-end granite countertops, flooring, paint, lighting, and a stunning walk-in tile shower in the primary suite. The spacious kitchen opens to the living and dining areas, creating a seamless flow for family living and entertaining. A wall of windows in the sunroom floods the home with natural light and panoramic views, with easy access to the covered patio for outdoor relaxation. The full basement expands your options with one bedroom, bonus room, a full bath, workshop, and third-car garage--ideal for guests, hobbies, or an in-law suite. Parking and storage abound with a main-level two-car garage, a detached two-car garage with upstairs storage, and three additional bays. With room to roam, this property is perfect for recreation, gardening, or even horses--all just minutes from Island Cove Marina, the local boat ramp (approximately 500 ft, from this property), restaurants, and grocery shopping. Move-in ready and beautifully updated, this home offers space, style, and a rare connection to Harrison Bay State Park. Homes like this don't come around often--schedule your private showing today!

8024 B Highway 58, Harrison

Listing courtesy of Compass Group Realty,LLC.

$1,485,000

3 Beds ⋅ 3 Baths ⋅ 1541773 MLS

HARRISON BAY WATER ACCESS | 10.06± ACRES! Discover the best of Tennessee living in this fully remodeled, all-brick home on 10.06± acres with breathtaking year round lake views -- and direct access to Harrison Bay State Park with lake access right from your property! This rare setting offers both privacy and connection to nature, with water access and the beauty of the park as your neighbor. Thoughtfully redesigned with an open living concept, this one-level home with a full basement blends modern style with everyday comfort. Inside, you'll find new 2025 HVAC, cabinets, high-end granite countertops, flooring, paint, lighting, and a stunning walk-in tile shower in the primary suite. The spacious kitchen opens to the living and dining areas, creating a seamless flow for family living and entertaining. A wall of windows in the sunroom floods the home with natural light and panoramic views, with easy access to the covered patio for outdoor relaxation. The full basement expands your options with one bedroom, bonus room, a full bath, workshop, and third-car garage--ideal for guests, hobbies, or an in-law suite. Parking and storage abound with a main-level two-car garage, a detached two-car garage with upstairs storage, and three additional bays. With room to roam, this property is perfect for recreation, gardening, or even horses--all just minutes from Island Cove Marina, the local boat ramp (approximately 500 ft, from this property), restaurants, and grocery shopping. Move-in ready and beautifully updated, this home offers space, style, and a rare connection to Harrison Bay State Park. Homes like this don't come around often--schedule your private showing today! This home is ALSO offered with approximately 4+/- acres for $997,000.

8024 A Highway 58, Harrison

Listing courtesy of Compass Group Realty,LLC.

$515,000

3 Beds ⋅ 2 Baths ⋅ 1541737 MLS

***CANCELLED OPEN HOUSE FOR 9/6/2026******Your new home awaits! Acreage? Check! Primary on the main floor? Check! Convenient to Harrison Bay? YES! Welcome home to this 3 bed 2 bath home in Harrison, conveniently located 25 minutes to downtown, 15 minutes to dining and shopping in Cambridge Square, and 10 minutes to Harrison Bay! This home features 3 bedrooms on the main level and a bonus room that could be used as a bedroom, median room or office! The options are endless! The primary bedroom also offers not one but two walk in closets! Outside you have a screened in back porch that will be just perfect for cool fall mornings and evenings that are just around the corner! You will not want to miss this one! Schedule your showing today!

7338 Will Drive, Harrison

Listing courtesy of Keller Williams Realty.

$369,000

4 Beds ⋅ 3 Baths ⋅ 1541472 MLS

This lovely updated home near Harrison Bay has been well loved and cared for and so much is new as well. This Seller has added a second primary suite with a huge walk in closet and a lovely second primary bath with an extra large tiled shower and a double vanity with nice storage and granite countertops. ***They have also recently put on a new metal roof, new gutters, two new HVAC units and all of this sits on a very large level and fenced lot. ****When you enter the home you will love the spacious great room with bright neutral paint, a modern kitchen with granite, open shelving and stainless appliances. Everything is open and the new primary suite is so private in relationship to the original primary suite and the two additional bedrooms on the other side of the living space. The additional bathrooms were updated prior and have nice tile and updated fixtures and lighting. ****You will find a very happy place when you sit on the large covered front porch with cedar posts and shutters. ***The back yard also has a great outdoor living space on the deck and garden spots out back. ****This home is close to Harrison Bay so bring your boat and be ready to launch it nearby. ***If you are looking for a wonderful home that is move in ready, look no further and schedule a showing today at 6003 Shirley Pond Road and be ready to feel right at Home!

6003 Shirley Pond Road, Harrison

Listing courtesy of Keller Williams Realty.

$425,000

5 Beds ⋅ 3 Baths ⋅ 1541206 MLS

9112 Villagewood Drive, Harrison, TN 5 Bedrooms | 3 Bathrooms | 2,400 Sq Ft | 0.9 Acres Welcome home to 9112 Villagewood Drive -- a beautiful 5-bedroom, 3-bathroom home offering 2,400 square feet of living space on a sprawling .9-acre lot in the desirable Harrison Bay area of Hamilton County. Built in 2021, this home offers the rare combination of a newer build with fresh, move-in-ready updates throughout. The main level features 3 spacious bedrooms and 2 full bathrooms, along with a bright, inviting living room -- the perfect spot to unwind. The updated kitchen comes equipped with a dishwasher, range, and refrigerator, ready for you to move right in. A dedicated laundry room offers washer/dryer hookups. The finished basement adds 2 additional bedrooms and a full bath -- ideal for guests, extended family, a home office, or a private retreat. A 2-car attached garage offers convenient parking and extra storage. Whether you're looking for room to grow, space to spread out, or a home that feels brand new without the new-construction price tag, 9112 Villagewood Drive checks every box. Don't miss your chance to own this gem in the Harrison Bay area. Schedule your private showing today! Buyer to verify square footage OWNER/AGENT

9112 Villagewood Drive, Harrison

Listing courtesy of Sky Property Management.

$669,900

3 Beds ⋅ 3 Baths ⋅ 1540909 MLS

Beautiful Development in Ferrell Farms has rolling hills and lush countryside, the Mini Homestead Community. This two story exective home features 3 bedroom, 2.5 bath with a nice size bonus room could be your fourth bedroom, built by Miller Building Company, Inc. known for his quality construction and popular finishes. Miller builds homes throughout Chattanooga and Hamilton, County. The home has many nice features, a nice size great room with vaulted ceilings and plenty of natural lighting a beautiful propane gas log fireplace. A lovely eat in kitchen with a custom tile backsplash, Quartz counter tops and LG Stanless Steel Appliances. The kitchen has a large pantry. A nice size laundry room with a utility sink. The primary bedroom is on the main level with trey ceilings, the primary bathroom has a custom tile shower, dual sinks and a soaker tub. The home has delta plumbing fixtures throughtout. The main level has wide plank LVP flooring. Upstairs has two nice size bedrooms and a large bonus room. The upstairs bathroom vanity is separate from the toliet, Tub/shower. Lawn has irrigation. Exterior is Fiber cement with brick foundation. Crawl space is high enough to walk and have great storage, this walkable area is about 15 X 15. Sod on the front and side lawn. 400 square feet of attic storage. Double Car Garage is a 22 X 24. A very large back yard. Two HVAC units, both heat pumps. Home comes with a 40 Gallon Propane tank. Buyer to verify any and all information they deem important. A must see to appreciate.!!!!!!

7384 Ferrell Farms Drive, Harrison

Listing courtesy of Crye-Leike, REALTORS.

$234,000

3 Beds ⋅ 2 Baths ⋅ 1540813 MLS

PRICED TO SELL! Don't overlook the incredible value packed into this home! This original-owner, single-story 3 BR / 2 BA residence is the perfect starter or downsizer, featuring easy one-level living and a practical layout where ALL appliances stay! Park with ease in your attached 2-car garage or dedicated concrete parking spots. The real prize is out back: a flat, completely private backyard with an expansive deck, concrete patio, and storage shed. Selling AS-IS. FHA/VA welcome! Opportunity awaits at this charming 3-bedroom, 2-bath home situated on a spacious 0.44-acre lot in Harrison! Featuring over 1,200 square feet of living space, an attached 2-car garage, this property offers plenty of room to make it your own. Inside, you'll find an open floor plan, a cozy gas fireplace, and a kitchen with an eat-in dining area. Enjoy outdoor living with a deck, patio, and plenty of plenty of room to run and play. Conveniently located near schools, shopping, and outdoor recreation, this home is full of potential for homeowners and investors alike. Washer, dryer, refrigerator, stove, dishwasher and microwave remain with the home. Home being sold "As-Is". FHA/VA Welcome. Closing cost assistance available with an acceptable offer!

6933 Barter Drive, Harrison

Listing courtesy of Keller Williams Nashville-Franklin.

$315,000

3 Beds ⋅ 2 Baths ⋅ 1540315 MLS

2 Min drive from public access!! If you've been dreaming of a peaceful retreat just minutes from the water, this beautifully renovated cottage is one you won't want to miss. Completely rebuilt in 2024, this home was taken down to the studs and thoughtfully transformed with the feel of new construction. Major updates include a new roof, electrical, plumbing, HVAC, water heater, windows, doors, siding, flooring, cabinets, countertops, gutters, driveway, porch, deck, and more, giving you the confidence of knowing the big-ticket items have already been taken care of. Inside, you'll find an open-concept layout, beautiful granite countertops, and modern finishes throughout. Outside, enjoy a spacious lot with a private backyard and a large fenced area that's perfect for pets, gardening, or simply relaxing after a day on the lake. Located just minutes from Harrison Bay State Park and the water, this charming home offers the best of both worlds: a quiet place to unwind with convenient access to boating, fishing, hiking, and everything Chattanooga has to offer. With motivated sellers and every major update already complete, all that's missing is you. Come see why 6903 Ramseytown Road feels less like a house and more like home.

6903 Ramseytown Road, Harrison

Listing courtesy of Keller Williams Realty.

$525,000

4 Beds ⋅ 4 Baths ⋅ 1540076 MLS

Discover the perfect blend of comfort, convenience, and outdoor living in this brand-new 4-bedroom, 3.5-bath home by Ohana Homes. Set on just over an acre this thoughtfully designed residence offers more than 2,500 sq. ft. of functional living space with low county-only taxes and no HOA. Step inside to find an open layout that balances everyday living with flexible spaces featuring a dedicated home office, a spacious bonus room, and a covered back porch ideal for relaxing or entertaining while overlooking the large backyard The heart of the home is designed for connection, with modern finishes, plenty of natural light, and room for both quiet evenings and lively gatherings. Located just minutes from the lake, Bear Trace Golf Club, hiking trails, and some of the area's best fishing spots, this property is perfect for those who love to live close to nature without giving up convenience. Plus, you're only 25 minutes from the energy of Downtown Chattanooga, making it easy to enjoy the best of both worlds. With completion estimated for mid-September, you'll soon be able to move into the lifestyle you've been waiting for.

9708 Birchwood Pike, Harrison

Listing courtesy of Keller Williams Realty.

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.