Harrison Homes with USDA Loan Terms

Welcome to Harrison, Tennessee – a hidden gem nestled in the heart of Hamilton County. This charming city offers a perfect blend of small-town warmth and modern convenience, making it an ideal place for families, retirees, and everyone in between. With its scenic landscapes, friendly community, and a plethora of outdoor activities, Harrison is a wonderful place to call home.

One of the most appealing aspects of living in Harrison is its proximity to Chattanooga, just a short drive away. Residents enjoy easy access to the vibrant culture, dining, and entertainment options of the city while relishing the tranquility of suburban life. The area is adorned with lush parks, beautiful lakes, and scenic walking trails, making it an outdoor enthusiast's paradise.

For potential homeowners, Harrison offers a variety of housing options, including charming single-family homes and modern townhouses. The best part? Many of these homes are eligible for USDA loan terms, making homeownership more accessible than ever. USDA loans are designed to support rural and suburban homebuyers, offering competitive interest rates and no down payment options for qualified buyers. This means you can step into your dream home without the burden of hefty upfront costs.

Whether you're looking to start a family, retire in peace, or simply enjoy the beauty of nature, Harrison, TN, is the perfect place to plant your roots. Explore the community, discover your ideal home, and embrace the lifestyle that awaits you in this enchanting city. Your dream home in Harrison is just a visit away!

Newest Harrison Homes with USDA Loan Terms

$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.

$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.

$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.

$439,900

3 Beds ⋅ 2 Baths ⋅ 1538337 MLS

NEW CONSTRUCTION HOME ON 1.27 ACRES! Discover the perfect blend of modern comfort and peaceful country living in this beautiful ranch-style home featuring 3 bedrooms, 2 bathrooms, and approximately 1.27 private acres in Harrison, TN. The thoughtfully designed split-bedroom floor plan offers a spacious great room that flows seamlessly into the kitchen and dining area, creating the perfect space for entertaining or everyday living. The kitchen is finished with granite countertops, stainless appliances, white cabinets, while luxury vinyl flooring extends throughout the home. The private primary suite features an en-suite bathroom with a walk-in tile shower, while two additional bedrooms and a full bath provide comfortable accommodations for family or guests. Step outside to the covered back porch and enjoy the peaceful surroundings, or take advantage of the oversized two-car garage with plenty of room for vehicles and storage. Enjoy the privacy and tranquility of country living while remaining just minutes from shopping, dining, schools, and Chattanooga. Outdoor enthusiasts will appreciate the close proximity to Harrison Bay State Park and the Tennessee River, offering easy access to boating, fishing, hiking, camping, and year-round recreation. This home truly offers the perfect combination of modern living, acreage, and convenience. Call today to schedule a private tour!

7853 Sims Road, Harrison

Listing courtesy of Compass Group Realty,LLC.

$439,900

3 Beds ⋅ 2 Baths ⋅ 1538335 MLS

NEW CONSTRUCTION HOME ON 1.91 ACRES! Discover the perfect blend of modern comfort and peaceful country living in this beautiful ranch-style home featuring 3 bedrooms, 2 bathrooms, and approximately 1.91 private acres in Harrison, TN. The thoughtfully designed split-bedroom floor plan offers a spacious great room that flows seamlessly into the kitchen and dining area, creating the perfect space for entertaining or everyday living. The kitchen is finished with granite countertops, stainless appliances, white cabinets, while luxury vinyl flooring extends throughout the home. The private primary suite features an en-suite bathroom with a walk-in tile shower, while two additional bedrooms and a full bath provide comfortable accommodations for family or guests. Step outside to the covered back porch and enjoy the peaceful surroundings, or take advantage of the oversized two-car garage with plenty of room for vehicles and storage. Enjoy the privacy and tranquility of country living while remaining just minutes from shopping, dining, schools, and Chattanooga. Outdoor enthusiasts will appreciate the close proximity to Harrison Bay State Park and the Tennessee River, offering easy access to boating, fishing, hiking, camping, and year-round recreation. This home truly offers the perfect combination of modern living, acreage, and convenience. Call today to schedule a private tour!

7847 Sims Road, Harrison

Listing courtesy of Compass Group Realty,LLC.

$279,000

3 Beds ⋅ 2 Baths ⋅ 1538258 MLS

Welcome to 6673 Harrison Heights Dr., a well-maintained one-level ranch home tucked away on a quiet cul-de-sac in Harrison. Situated on a level lot with a fenced backyard and no neighbors behind, this home offers a private setting while remaining close to everything the area has to offer. The open floor plan features a spacious living area and a long eat-in bar that connects seamlessly to the kitchen, making it perfect for everyday living and entertaining. Enjoy the covered front porch and back deck for relaxing outdoors, plus an enclosed sunroom that provides comfortable additional living space year-round. The two-car garage features separate garage doors, and the low-traffic location provides added peace and quiet. Conveniently located near Chickamauga Lake, Harrison Bay State Park, and Booker T. Washington State Park, this home offers easy access to boating, fishing, hiking, and outdoor recreation while still being just minutes from Chattanooga.

6673 Harrison Heights Drive, Harrison

Listing courtesy of Zach Taylor - Chattanooga.

$34,900

1536894 MLS

Ready to build - Perc and Survey on file. Come build your home on this .65 acre lot in this established neighborhood with ONLY County Taxes! 3 miles or less from Harrison State Park and Bear Trace Golf Course.

6201 Hidden Hill Road, Harrison

Listing courtesy of Crye-Leike, REALTORS.

$389,000

4 Beds ⋅ 3 Baths ⋅ 1534414 MLS

This breathtaking home has been beautifully and meticulously redone from top to bottom with stunning, high-end upgrades and luxurious finishes throughout. Every detail was thoughtfully designed and completed with exceptional craftsmanship, creating a home that feels both elegant and timeless. From the gorgeous custom touches to the quality renovations done the right way, no expense was spared in bringing this property to life. The beautifully updated spaces offer the perfect blend of style, comfort, and functionality, making this home truly move-in ready. A rare opportunity to own a flawlessly renovated home that is absolutely unforgettable. All information to be verified.

6909 Sandy Cove Drive, Harrison

Listing courtesy of Better Homes and Gardens Real Estate Signature Brokers.

$379,000

3 Beds ⋅ 2 Baths ⋅ 1533875 MLS

Beautifully maintained and move-in ready, this one-owner home has been lovingly cared for and offers the perfect blend of comfort, space, and convenience in one of Chattanooga's most desirable neighborhoods. The welcoming main level features an open floor plan with abundant natural light, a spacious living area, and a well-appointed kitchen that's ideal for both everyday living and entertaining. New flooring throughout gives the home a fresh, updated feel, while the meticulous condition reflects years of exceptional care. The finished lower level provides outstanding flexibility with generous space for a recreation room, home office, fitness area, media room, or guest accommodations--perfect for today's changing lifestyle needs. Enjoy the peaceful setting from the deck overlooking the backyard, with mature landscaping and a neighborhood known for its pride of ownership and convenient location to shopping, dining, parks, and schools. If you've been searching for a home that's exceptionally well maintained, thoughtfully updated, and truly move-in ready, this is one you won't want to miss.

6546 Olde Ferry Landing, Harrison

Listing courtesy of Keller Williams Realty.

$33,500

1533453 MLS

Rare opportunity in Harrison, Tennessee! This beautiful residential lot, which is well over half an acre, is tucked away within an established neighborhood, offering the perfect setting to build your dream home. Surrounded by mature trees and natural beauty, the property is zoned for single-family residential use and provides both privacy and a welcoming community feel. The lot is slightly sloping but mainly level. Located in the heart of Harrison, you'll enjoy easy access to boating, kayaking, fishing, and hiking, with Chickamauga Lake and multiple marinas just minutes away. Conveniently positioned approximately 20 minutes from both Chattanooga and Cleveland, this location offers the ideal balance of peaceful living and accessibility. Build your next chapter here--where nature, convenience, and quiet living come together.

7031 Sportsman Drive, Harrison

Listing courtesy of Zach Taylor - Chattanooga.

$382,500

3 Beds ⋅ 3 Baths ⋅ 1531229 MLS

Get ready to fall in love with this better-than-new River Cove beauty! Thoughtfully updated from top to bottom and loaded with desirable features, this home delivers the space, style, and flexibility you've been looking for--all with NO HOA! Step inside to a bright, inviting interior filled with stylish updates and smart design. The main-level primary suite offers convenience and privacy, while two oversized upstairs bedrooms provide incredible flexibility for family, guests, or additional living space. Need a place to work or manage your day-to-day? The dedicated office nook is the perfect spot for a home office, homework station, or command center. The kitchen offers thoughtful functionality with a dedicated pantry, while the separate laundry room keeps everyday living organized and convenient. And with an HVAC system that's less than two years old, you can enjoy added peace of mind. Then step outside and prepare to be impressed! The large, level, fully fenced backyard is made for entertaining, complete with an oversized deck and dedicated fire pit area--perfect for weekend gatherings, summer evenings, or simply kicking back and enjoying your own private outdoor space. Fresh landscaping adds to the home's impressive curb appeal, making the first impression just as memorable as everything waiting inside. With NO HOA, a newer HVAC, gorgeous updates, incredible outdoor living, an office nook, and spacious bedrooms, this one checks all the boxes--and then some!

6528 Olde Ferry Landing, Harrison

Listing courtesy of EXP Realty, LLC.

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