Ooltewah Homes with FHA Terms

Welcome to Ooltewah, Tennessee—a charming community nestled in the heart of Hamilton County. Just a stone’s throw from the bustling city of Chattanooga, Ooltewah combines the allure of small-town living with easy access to urban amenities. Known for its scenic landscapes, friendly neighborhoods, and a strong sense of community, Ooltewah is an ideal place for families and individuals seeking a peaceful yet vibrant lifestyle.

As you explore Ooltewah, you’ll discover a variety of recreational activities, from hiking the picturesque trails at the nearby Chickamauga and Chattanooga National Military Park to enjoying a leisurely afternoon at the local parks. The town is also home to excellent schools, shopping centers, and a selection of delightful dining options, making it a convenient and enjoyable place to call home.

For those considering a move to Ooltewah, the real estate market offers a range of homes that qualify for FHA financing, making homeownership more accessible than ever. Whether you’re looking for a cozy single-family home or a spacious property with room to grow, Ooltewah has something to suit every taste and budget. FHA terms allow buyers to secure favorable loan conditions, making it easier to invest in your dream home in this welcoming community.

With its blend of natural beauty, community spirit, and affordable housing options, Ooltewah is not just a place to live—it's a place to thrive. Come and discover the warm embrace of Ooltewah, where your dream home awaits!

Newest Ooltewah Homes with FHA Terms

$514,900

3 Beds ⋅ 2 Baths ⋅ 1542817 MLS

Welcome to 9238 Leyland Drive, a beautifully maintained one-level home in the sought-after 55+ Greenbriar Cove community. Thoughtfully designed for comfortable everyday living and easy entertaining, this 3-bedroom, 2-bath home offers 1,752 square feet of inviting living space with an open, flowing floor plan and plenty of natural light. The heart of the home is the spacious kitchen, featuring granite countertops, stainless steel appliances, abundant cabinetry and a pantry, with an easy connection to the dining area and great room. The adjoining living room features soaring cathedral ceilings and a gas fireplace, creating a warm and welcoming space to gather with family and friends. The primary suite is privately positioned at the rear of the home, offering a peaceful retreat with a walk-in closet and ensuite bath featuring a tiled shower. Two additional bedrooms and a full guest bath are located toward the front of the home, providing a comfortable split-bedroom layout for guests or everyday living. Step outside and enjoy an extension of the home's living space with a covered back porch plus open Trex decking, giving you the best of both worlds for relaxing or entertaining outdoors. The fenced backyard--a feature found at only a few homes within the neighborhood-- offers added privacy and a wonderful space to enjoy the outdoors. The driveway, porch and sidewalk have also been recently pressure washed, while the gutters have been cleaned and repaired. Numerous updates make this home truly move-in ready, including new wood flooring in all three bedrooms, refinished and stained flooring in the kitchen, four added built-in cabinets/shelving areas, fresh exterior paint, and a newer microwave and garbage disposal. An attached two-car garage provides convenient parking and additional storage, while the home's single-level design offers easy, comfortable everyday living. Greenbriar Cove is a beautiful 55+ master-planned community surrounded by mature trees and conservation areas, with lakes, sidewalks and a golf-cart-friendly setting. Residents also enjoy access to the community lodge with an indoor pool, fitness and wellness areas, game room, library and more. Conveniently located just minutes from Collegedale Park and the Collegedale Commons, the home also offers easy access to the Collegedale Greenway system, making it easy to enjoy walking trails, outdoor recreation, community events and everything the surrounding area has to offer. Warm, inviting and thoughtfully updated, 9238 Leyland Drive offers the ease of one-level living, wonderful indoor and outdoor spaces, and an exceptional location in the heart of Ooltewah.

9238 Leyland Drive, Ooltewah

Listing courtesy of Keller Williams Realty.

$500,000

5 Beds ⋅ 3 Baths ⋅ 1542815 MLS

Welcome to 8522 Deer Run, located in the gated Seven Lakes community of Ooltewah! This spacious 5-bedroom home offers a desirable main-level primary suite, open living spaces, and plenty of flexibility for today's lifestyle. The main level features soaring cathedral ceilings, genuine hardwood floors, and a beautiful stone fireplace, creating a warm and inviting space for everyday living and entertaining. The kitchen abundant storage, granite countertops, and stainless steel appliances. The main-level primary suite includes coffered ceilings, a walk-in closet, and a spacious ensuite bath with granite countertops, custom tile shower, and jetted tub. Upstairs, four additional bedrooms provide plenty of room for guests, a home office, playroom, or other needs. A private sunroom offers a peaceful retreat overlooking the backyard. Outside, enjoy a large, level, fully fenced yard with ample space for pets, play, and entertaining. Residents of Seven Lakes enjoy gated access, sidewalks, a community pool and clubhouse, and multiple stocked ponds throughout the neighborhood. A wonderful opportunity to enjoy spacious living in a sought-after Ooltewah community! Subdivision has its own website, sevenlakessubdivision.com, indicating HOA dues and other information. Information deemed reliable but not guaranteed. Buyer to verify all information deemed important.

8522 Deer Run Circle, Ooltewah

Listing courtesy of Coldwell Banker Pryor Realty.

$710,000

3 Beds ⋅ 2 Baths ⋅ 1542810 MLS

Welcome to 9205 Hopi Trail, a spacious 3-bedroom, 2-bathroom residence offering 3,143 square feet of comfortable living space in Ooltewah, TN. Situated on a level lot, this home features an expansive layout with room to spread out inside and out. The main level offers living and dining spaces designed for entertaining or everyday relaxation. Outside, enjoy a flat yard ideal for recreation, gardening, or outdoor gatherings, complete with a storage shed for equipment and supplies. Conveniently located near local schools, dining, and shopping in Cambridge Square, with easy access to I-75 and Chattanooga. Schedule your private tour today!

9205 Hopi Trail, Ooltewah

Listing courtesy of Legacy 234.

$150,000

1542760 MLS

Rare Waterfront Dock Lot | North Heron Bay A rare opportunity to own waterfront property in the desirable North Heron Bay subdivision! This unique recreational lot features a large, level open area, beautiful lake frontage, and private dock access, creating an incredible opportunity to enjoy the water without the expense of purchasing a waterfront home. Whether you're looking for a place to keep your boat, spend summer days on the water, fish, kayak, paddle board, or simply have your own private piece of the lake, this property offers endless possibilities for enjoying the waterfront lifestyle. Located in an established lakefront community with convenient road frontage, the property provides easy access while opening up to a beautiful wooded shoreline and the water beyond. Perfect for lake lovers, boat owners, outdoor enthusiasts, or anyone looking for their own waterfront escape. This property is a recreational/dock lot and is not a buildable residential homesite. Buyer to verify all intended uses, dock permitting/approvals, restrictions, and requirements with TVA and applicable governing authorities. 7906 Turtle Lane can also be purchased if buyer is interested in both lots. Own the waterfront. Have your own place on the lake. Enjoy it whenever you want - without having to buy a waterfront home.

7910 Turtle Lane, Ooltewah

Listing courtesy of Zach Taylor - Chattanooga.

$492,000

3 Beds ⋅ 4 Baths ⋅ 1542756 MLS

Discover the perfect blend of space, privacy, and convenience in this custom-built 3-bedroom, 3.5-bath home offering 2,750+ square feet, including a heated and cooled basement. Situated on a beautiful 0.8+ acre double lot on a quiet dead-end street, this elevated wooded property offers a peaceful setting with a very low-maintenance yard. The main level features an inviting open-concept layout with a spacious living room, kitchen, and dining area, plus a separate den for additional living space. The kitchen offers cherry cabinetry, island, and plenty of natural light, while a gas fireplace adds warmth and character to the dining area. The oversized primary suite includes a comfortable sitting area that could easily serve as a home office, along with beautiful cypress hardwood flooring and vaulted ceilings. Newer LVT flooring runs throughout the majority of the home, complemented by newer paint and a newer deck. The heated and cooled basement adds exceptional versatility with 335 square feet of finished living space, including a half bath and large utility room. A separate 24' x 13' garage with its own private driveway provides additional parking, storage, or workshop space. With its finished living area, private access, and separation from the main living spaces, the basement offers exciting potential for a mother-in-law suite, teenager's hideaway, guest quarters, or private retreat. With a total of two garages--two-car garage on the main level and one-car garage in the basement--there is plenty of room for vehicles, storage, hobbies, or a workshop. Outside, enjoy the fenced yard, private wooded surroundings, and tranquil setting which is a designated National Wildlife Sanctuary. With abundant natural light, generous storage, flexible living spaces, and numerous updates, this home offers a rare combination of comfort and potential. All this in a highly convenient Ooltewah location, just minutes from shopping, restaurants, Interstate access, and more. A unique propert y that truly offers room to live, relax, and make it your own!

4719 Rolling Green Drive, Ooltewah

Listing courtesy of Premier Property Group Inc..

$839,900

5 Beds ⋅ 4 Baths ⋅ 1542748 MLS

Welcome to 8410 Rambling Rose Drive, where luxury, lifestyle, and breathtaking golf course views come together in the prestigious gated community of Hampton Creek in Ooltewah. Ideally positioned beside Tee Box #4, this exceptional residence captures sweeping views of the fairways and ponds, offering an effortless blend of elegance, comfort, and resort-style living. From the moment you arrive, the home makes an unforgettable first impression. A timeless lime-washed brick exterior, graceful arched entryway, manicured landscaping, and coveted corner-lot setting create an inviting sense of sophistication before you even step inside. The interior is equally impressive, with soaring ceilings and a dramatic wall of windows that flood the living spaces with natural light while framing beautiful golf course views. Designed for both everyday living and effortless entertaining, the open-concept living and dining areas feature a gas fireplace, updated lighting, and a warm, refined aesthetic. At the heart of the home, the beautifully appointed kitchen delivers style and functionality with quartz countertops, double ovens, and sophisticated gold accents. The main level primary suite offers a luxurious private retreat, complete with a jetted soaking tub, beautifully tiled shower, and dual vanities. Upstairs, spacious secondary bedrooms, additional baths, and versatile living space provide plenty of room for guests, recreation, or a home office. Thoughtful recent updates include a new tankless water heater, new upstairs HVAC system, updated main-level lighting, and new quartz countertops, adding both comfort and peace of mind. Step outside onto the back deck and let the lifestyle speak for itself. Sip your morning coffee overlooking the tranquil pond, unwind in the evening as the sun sets across the fairways, or enjoy the unique experience of watching golfers tee off just beyond your backyard. It's the kind of setting that makes every day feel like a getaway. Come see for yourself

8410 Rambling Rose Drive, Ooltewah

Listing courtesy of Coldwell Banker Kinard Realty - Ga.

$1,620,000

1542738 MLS

Located at 5575 Little Debbie Parkway near the Lee Highway/I-75 interchange, this highly visible site offers approximately 330 feet of road frontage, an existing curb cut, utilities at the site, and access connectivity through the adjoining Stone Creek Center. The property has undergone substantial site preparation and is reported to be environmentally clean, compacted, above flood levels, and ready for development. Water, sewer, and fiber service are available. Survey, environmental, and geotechnical information are also available. The site's commercial location provides excellent proximity to established retail, restaurants, residential neighborhoods, and major employers throughout the Ooltewah/Collegedale and Chattanooga markets. Nearby national brands include Walmart, Starbucks, Chick-fil-A, and numerous other retailers and service businesses. Potential uses include retail, restaurant/drive-thru, professional or medical office, automotive, hospitality, service businesses, marketplace concepts, and mixed-use development, subject to zoning and governmental approvals. A rare opportunity to acquire a substantially prepared commercial site in one of Hamilton County's established growth corridors. Schedule your appointment today!

5575 Little Debbie Parkway, Ooltewah

Listing courtesy of Keller Williams Realty.

$489,823

3 Beds ⋅ 2 Baths ⋅ 10845223 MLS

Public Remarks: Discover the ease of low-maintenance, one-level living in desirable Bainbridge Park. With a convenient half-step entry, level yard, and thoughtfully designed floor plan, this home offers comfort and accessibility without sacrificing space or style. The layout features three bedrooms, two full baths, an open-concept living area, a mudroom connecting the garage to the home, and a spacious two-car garage. Low county-only property taxes add to the home's appeal. With an acceptable offer, the seller will include the refrigerator, washer, dryer, and freezer, along with a new-in-box Ring security system and select living room and bedroom furniture purchased within the past few months. The seller estimates the included items have an approximate value of $10,000. Specific items and terms are subject to the purchase agreement. Inside, upgraded light fixtures and ceiling fans, plantation shutters and a welcoming great room create a polished yet comfortable atmosphere. Centered around a cozy gas fireplace, the great room flows naturally into the kitchen and dining area, making it ideal for both everyday living and entertaining. The spacious primary suite offers a relaxing retreat with a large walk-in closet and a well-appointed bath featuring a double vanity and step-in shower with built-in bench and handheld showerhead. The screened patio extends the living space outdoors and overlooks the level, privacy-fenced backyard. Enjoy morning coffee, unwind in the evening, garden, or spend time with pets in this flexible, low-maintenance outdoor space. Beyond the home, Bainbridge Park offers a walkable neighborhood setting with sidewalks, green spaces, a community pool and cabana, playground, and dog park. Ideally located in the heart of Ooltewah, just 5 minutes from interstate access and 15 minutes from Hamilton Place for shopping, dining and health services. With comfortable one-level living and a desirable location, this home is ready to welcome you. Call for your private showing.

7382 Dividing Way, Ooltewah

Listing courtesy of The Group RE Brokerage.

$489,823

3 Beds ⋅ 2 Baths ⋅ 1542694 MLS

Discover the ease of low-maintenance, one-level living in desirable Bainbridge Park. With a convenient half-step entry, level yard, and thoughtfully designed floor plan, this home offers comfort and accessibility without sacrificing space or style. The layout features three bedrooms, two full baths, an open-concept living area, a mudroom connecting the garage to the home, and a spacious two-car garage. Low county-only property taxes add to the home's appeal. With an acceptable offer, the seller will include the refrigerator, washer, dryer, and freezer, along with a new-in-box Ring security system and select living room and bedroom furniture purchased within the past few months. The seller estimates the included items have an approximate value of $10,000. Specific items and terms are subject to the purchase agreement. Inside, upgraded light fixtures and ceiling fans, plantation shutters and a welcoming great room create a polished yet comfortable atmosphere. Centered around a cozy gas fireplace, the great room flows naturally into the kitchen and dining area, making it ideal for both everyday living and entertaining. The spacious primary suite offers a relaxing retreat with a large walk-in closet and a well-appointed bath featuring a double vanity and step-in shower with built-in bench and handheld showerhead. The screened patio extends the living space outdoors and overlooks the level, privacy-fenced backyard. Enjoy morning coffee, unwind in the evening, garden, or spend time with pets in this flexible, low-maintenance outdoor space. Beyond the home, Bainbridge Park offers a walkable neighborhood setting with sidewalks, green spaces, a community pool and cabana, playground, and dog park. Ideally located in the heart of Ooltewah, just 5 minutes from interstate access and 15 minutes from Hamilton Place for shopping, dining and health services. With comfortable one-level living and a desirable location, this home is ready to welcome you. Call for your private showing.

7382 Dividing Way, Ooltewah

Listing courtesy of The Group Real Estate Brokerage.

$428,765

5 Beds ⋅ 3 Baths ⋅ 1542654 MLS

The Hanover floorplan available at Bayview at Harbor Crest in Ooltewah is one of our most popular floorplans. The foyer opens into an open concept main level. A large kitchen with a pantry and island with countertop seating overlooks a dining and living area. The downstairs also features a bedroom and a full bathroom. Upstairs is a loft which provides extra space for work and play. The large primary bedroom has an en suite with dual vanities and a separate water closet as well as a walk-in closet. Three additional bedrooms share a comfortable bathroom. There is also a laundry room upstairs for convenience. This floorplan is designed for any stage of life. Estimated completion mid to end July Due to variations amongst computer monitors, actual colors may vary. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Photos may include digital staging. Square footage and dimensions are approximate. Buyer should conduct his or her own investigation of the present and future availability of school districts and school assignments. *Taxes are estimated. Buyer to verify all information.

8345 Deepwater Lane, Ooltewah

Listing courtesy of D R Horton Realty of Georgia.

$449,000

3 Beds ⋅ 2 Baths ⋅ 1542638 MLS

Welcome home to Tailgate Loop, where effortless one-level living meets thoughtful design and quality craftsmanship. Built in 2023, this beautifully maintained home features numerous upgrades and luxury appointments selected by the sellers in collaboration with the builder. Cedar detailing adds warmth and character to the exterior, while the inviting foyer opens to two of three spacious bedrooms and a beautifully appointed adjoining bath with elegant tile finishes. Open-concept main living area seamlessly connects the family room, kitchen, dining space, and flexible bonus room. A tray ceiling, specialty lighting, and upgraded fans add style and comfort throughout. Your kitchen is designed for both everyday living and entertaining, featuring a gas cooktop, built-in electric wall oven, and microwave. The versatile flex room can easily serve as a home office, hobby room, playroom, or additional gathering space. Your spacious primary suite offers a peaceful retreat with beautiful tile work in the shower, a generous walk-in closet, and additional storage throughout the home. A functional mudroom, adjacent laundry room, and two-car garage provide convenience, while the garage offers access to a floored attic for valuable additional storage. Step outside to screened-in back patio overlooking level, fenced backyard. The adjoining grilling area includes a dedicated gas bib, making outdoor entertaining easy and enjoyable. Located in Ooltewah, Tailgate Loop offers convenient access to shopping, dining, and everyday amenities, along with a welcoming community atmosphere. Sidewalks connect neighbors to the saltwater pool, pool house, playground, dog park and community mailbox area. Lovingly cared for and exceptionally maintained, this thoughtfully designed home is ready for its next owner. Come discover the comfort, quality, and easy living this Tailgate Loop home has to offer.

7473 Tailgate Loop, Ooltewah

Listing courtesy of Crye-Leike, REALTORS.

$419,900

3 Beds ⋅ 2 Baths ⋅ 1542623 MLS

Experience modern comfort in this stunning one-level home located in the desirable Grove subdivision of Ooltewah. Built in 2023, this 2,123 sq. ft. residence showcases a bright, open-concept floor plan that seamlessly connects the living room, dining area, and kitchen--perfect for both daily living and entertaining. The kitchen is a highlight, featuring sleek quartz countertops and a gas stove. The living room serves as a cozy centerpiece, anchored by a charming fireplace. The spacious primary suite offers a private retreat, complete with an ensuite bath featuring a luxurious walk-in tile shower and a separate garden tub. Two additional guest bedrooms and a full guest bath provide ample space for family or visitors, complemented by a dedicated laundry room. Practical upgrades include an insulated garage equipped with a heat/air mini-split, ensuring year-round comfort for your vehicle or workshop needs. Situated on a manageable 0.14-acre lot, this home also grants you access to fantastic neighborhood amenities, including a community pool, playground, and dog park. Don't miss the opportunity to make this beautiful, move-in-ready home yours.

7183 Tailgate Loop, Ooltewah

Listing courtesy of Coldwell Banker Pryor Realty.

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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.