Ringgold Homes with FHA Terms

Welcome to Ringgold, Georgia – a charming city nestled in the heart of Catoosa County. This picturesque locale is celebrated for its rich history, vibrant community, and stunning natural beauty. With its quaint downtown area, Ringgold boasts an array of local shops, delightful eateries, and historical landmarks, making it a perfect blend of small-town charm and modern convenience.

Residents enjoy a strong sense of community, with numerous events and festivals held throughout the year, fostering connections among neighbors and families. The city is surrounded by breathtaking landscapes, including the nearby Chickamauga and Chattanooga National Military Park, offering ample opportunities for outdoor recreation, from hiking and biking to picnicking and birdwatching.

For homebuyers, Ringgold presents an attractive market with a variety of housing options, including properties eligible for FHA financing. This means that whether you’re a first-time buyer or looking to invest, you can find homes that meet your needs and budget. FHA loans are designed to make homeownership more accessible, providing flexible credit requirements and lower down payment options, allowing you to step into your dream home sooner than you might think.

With a growing economy, excellent schools, and a welcoming atmosphere, Ringgold is not just a place to live; it’s a place to thrive. Explore our listings today and discover the perfect home waiting for you in this delightful city. Embrace the opportunity to call Ringgold your home – where community spirit and southern hospitality meet!

Newest Ringgold Homes with FHA Terms

$259,900

4 Beds ⋅ 2 Baths ⋅ 1543549 MLS

Charming, Updated & Move-In Ready in Downtown Ringgold! Welcome home to this charming, updated one-level 4-bedroom home, ideally located in the heart of Ringgold! Freshly painted and featuring new flooring throughout, this home is truly move-in ready and offers comfortable, easy living in a convenient location. With four bedrooms and a practical one-level floor plan, there is plenty of room for family, guests, a home office, or hobbies. Fourth bedroom is currently used as a dining room, but would provide great space for an office also. The easy-to-maintain, level yard provides a wonderful outdoor space without the upkeep of a large or difficult-to-maintain property. Location is everything, and this home delivers! You'll be just minutes from Ringgold's schools, shopping, restaurants, and charming downtown area, with convenient access to everything you need. If you're looking for a home that combines updates, charm, convenience, and easy living, this one deserves a look!

12 Cedar Street, Ringgold

Listing courtesy of Keller Williams Realty.

$455,900

3 Beds ⋅ 2 Baths ⋅ 1543311 MLS

Welcome to your own private oasis at 3323 Saunders Rd, Ringgold, GA. This beautiful, newer-construction home perfectly balances the peace of country living with the ultimate everyday convenience. Situated in an ideal location, you are just minutes away from local schools, shopping, dining, and major highways, giving you quick access to everything you need while still offering a quiet retreat to come home to.The standout feature of this property is the sprawling, one-acre backyard, which has been fully enclosed with a brand-new, privacy fence. Whether you are looking for a secure space for pets to run, a safe area for the family to play, or the perfect canvas to build your dream outdoor entertaining space, this massive lot allows for unmatched privacy and endless possibilities.Inside, the home features a highly desirable 1,687 square foot layout designed for modern living, complete with a standard driveway and an attached garage. Nestled among other newer homes in a welcoming area, this property delivers the perfect blend of neighborhood charm and personal seclusion. Don't miss your chance to own a private acre close to it all! No HOA! Some photos have been virtually rendered.

3323 Saunders Road, Ringgold

Listing courtesy of Beycome Brokerage Realty LLC.

$925,000

4 Beds ⋅ 4 Baths ⋅ 1543308 MLS

**NEW CONSTRUCTION | THE ROCKFORD PLAN | 4 BEDROOMS | 3.5 BATHS | 3,503 SQ FT | 3.4 ACRES | 3-CAR GARAGE** Where refined new construction meets the beauty and tranquility of country living. Welcome to **The Rockford Plan**, an exceptional new construction home thoughtfully designed with approximately 3,503 square feet, 4 bedrooms, 3.5 baths, and a 3-car garage, all situated on 3.4 beautiful acres in the highly sought-after Cherokee Valley Road area of Ringgold, Georgia. Positioned approximately 250 feet off the main road, the home enjoys a peaceful, private setting surrounded by picturesque countryside and mountain views. Here, you can experience the serenity of acreage and nature while still enjoying remarkable convenience to I-75, Downtown Ringgold, and Chattanooga's Gunbarrel Road/Hamilton Place area. From the moment you enter, the home makes an impression. The soaring two-story foyer creates a dramatic welcome, with a formal dining room on one side and an inviting sitting room/office on the other. Luxury Vinyl Plank flooring carries you into the heart of the home, where an expansive open-concept living area was designed for both everyday comfort and effortless entertaining. The spacious Family Room features 10-foot ceilings, a gas fireplace, and oversized windows that flood the room with natural light while drawing your eye toward the large covered rear patio and peaceful wooded surroundings beyond. At the center of the home is a beautifully appointed kitchen designed to impress. KitchenAid stainless steel gas appliances include a built-in oven and microwave, gas cooktop, pot filler, and custom cabinet hood with blower. The extended quartz island, accented by pendant lighting, provides an inviting gathering place for family and friends. Quartz countertops, upgraded soft-close cabinetry and drawers, and a beautiful tile backsplash complete this sophisticated space. And then there's the Super Pantry--a feature you may wonder how you ever lived without. More than simply storage, this oversized pantry offers additional upgraded cabinetry, quartz countertops, tile backsplash, and space for a second refrigerator, providing exceptional functionality while keeping the main kitchen beautifully organized. The adjoining Breakfast Room is wrapped in large windows, filling the space with natural light and providing tranquil views of the wooded backyard, where deer and other wildlife may become part of your everyday scenery. Tucked away on the main level, the Primary Suite is a private retreat featuring a tray ceiling and large windows that create a light, peaceful atmosphere. The spa-inspired primary bath showcases herringbone-pattern tile flooring, double vanities, and an oversized tiled shower with frameless glass doors, a corner bench, and rain shower head. A generous walk-in closet completes the suite. Even the everyday spaces have been thoughtfully designed. Just inside from the 3-car garage, built-in cubbies provide a convenient drop zone, while the spacious laundry room features upper and lower cabinetry, quartz countertops, and a laundry sink. Upstairs, a second ensuite bedroom offers a private bath and large walk-in closet -- ideal for guests or extended family. Two additional generously sized bedrooms each feature walk-in closets and share another full bath. A large Media Room completes the second level, providing the perfect destination for movie nights, game days, entertaining, a home office, or simply a private place to unwind. Outside, the expansive acreage, covered rear patio, wooded backdrop, mountain views, and abundant wildlife create the peaceful setting so many buyers are searching for--but rarely find this close to everyday conveniences. The Rockford Plan is more than a beautiful new home. It's an opportunity to enjoy space, privacy, quality craftsmanship, and the relaxed pace of country living--all within easy reach of Ringgold and Chattanooga. Come experience a home where luxury feels comfortable, nature is just outside your door, and there is room to truly enjoy the way you live.

3696 Cherokee Valley Road, Ringgold

Listing courtesy of Trust Real Estate Group, LLC.

$570,000

6 Beds ⋅ 4 Baths ⋅ 1543305 MLS

Mountain views, a golf-course community, and room for everyone at 35 S Links Drive in Windstone. This six-bedroom home sits at the end of a quiet cul-de-sac on the Georgia side, a short walk from the clubhouse and minutes from the new Publix. The main level has hardwood floors, a two-story foyer, formal living and dining rooms, and an open family room with a fireplace and windows facing the ridge. The kitchen was refreshed with new backsplash and has a gas range. A main-level bedroom next to a full bath works well as a guest suite, in-law space, or office. Upstairs, the primary suite has a tray ceiling and a bath with a new glass shower and a jetted tub under a mountain-view window. The laundry room has custom built-ins and a butcher block counter. The finished walkout basement adds a media room, a billiard room, a bar, and a newly added half bath. Outside there's a pergola deck, a paver patio, and a built-in fire pit. Golf and pool membership available separately. Some photos virtually staged.

35 S Links Drive, Ringgold

Listing courtesy of Keller Williams Realty.

$269,990

3 Beds ⋅ 3 Baths ⋅ 1543258 MLS

Move-In Ready in September! The Kensington plan by Smith Douglas Homes, located in the new Hillcrest Park community in Ringgold, Georgia. This beautifully designed new construction home offers modern finishes and functional living space. Step onto the charming covered front porch and enter a bright open-concept family room that flows seamlessly into the upgraded kitchen-perfect for everyday living and entertaining. The kitchen features gleaming granite countertops, abundant cabinetry, and a spacious breakfast area, creating a welcoming hub for gathering with friends and family. Just outside, enjoy outdoor living on the generous back patio, ideal for grilling, relaxing, or hosting guests. The main level showcases durable luxury vinyl plank flooring, offering both style and easy maintenance. Upstairs, an elegant iron rail staircase leads to a peaceful retreat where the private owner's suite includes a spa-like bath with soaking tub and ample space to unwind. Two additional bedrooms provide comfortable accommodations and share a well-appointed hall bath. Located in Ringgold, GA, Hillcrest Park offers convenient access to shopping, dining, parks, and top-rated Catoosa County schools while maintaining a welcoming neighborhood atmosphere. This energy-efficient new construction home blends thoughtful design, modern comfort, and exceptional value. Seller incentives available with use of preferred lender. Photos representative of plan not of home.

21 Cove Lane, Ringgold

Listing courtesy of SDH Chattanooga LLC.

$375,000

3 Beds ⋅ 2 Baths ⋅ 1543212 MLS

Custom one level home on 3 acres with loads of upgrades! You'll be amazed the moment you walk in the front door into a wide open living room, kitchen and dining area with vaulted ceilings. The kitchen is straight out of a magazine with loads of counter top space and beautiful brick backsplash. Walk down a short hallway to enter the second living space that features a huge stone wood burning fireplace, vaulted ceiling and lots of natural light. The master bedroom has his-and-hers closets and sits on the opposite side of the home from the two large secondary bedrooms, both of which features a loft and a full bath in between! The other full bathroom features beautiful tile floors and a concrete countertop. There are no steps and no carpet anywhere in the home! The home also comes with a whole home dehumidifier built into the HVAC system! The three acre wooded lot provides complete privacy 3 seasons out of the year. Enjoy extra storage or hobby projects in the 20'X30' garage. Summertime, no problem, huge fan on one side and wood burning stove for the winter days in the shop. Zoned for Catoosa county schools and just 15 minutes to Publix in East Brainerd or I-75 in Ringgold, this home feels like you're in the middle of nowhere when you're not! Listing agent is related to the seller.

600 Edgeman Road, Ringgold

Listing courtesy of Coldwell Banker Kinard Realty - Ga.

$350,000

3 Beds ⋅ 3 Baths ⋅ 1543169 MLS

Welcome to this beautifully refreshed 3-bedroom, 2.5-bath home that perfectly blends modern upgrades with everyday comfort and functionality. From the moment you step inside, you'll notice the brand-new flooring and updated fixtures that create a clean, stylish, and move-in-ready feel throughout. Designed for both relaxed living and effortless entertaining, the home features spacious living areas and a seamless flow. The main-level primary suite offers a private retreat, complete with dual walk-in closets and a generously sized en-suite bathroom featuring a double vanity and plenty of space to unwind. Upstairs, two well-appointed bedrooms are connected by a convenient Jack-and-Jill bathroom, ideal for family living or hosting guests. Ample closet space throughout the home ensures you'll have room for everything. The kitchen is equipped with new appliances, offering both style and functionality, and the home comes complete with a washer and dryer for ultimate convenience. Additional upgrades include new garage doors and an oversized two-car garage, providing both curb appeal and plenty of room for storage, parking, or workspace. Step outside to enjoy a fully fenced backyard with a private patio--perfect for entertaining, relaxing, or enjoying quiet evenings at home. With thoughtful updates, spacious design, and move-in-ready convenience, this home offers everything you've been looking for. Don't miss your opportunity to make it yours!

262 Crestwood Drive, Ringgold

Listing courtesy of Teems & Teems Realty.

$479,000

3 Beds ⋅ 2 Baths ⋅ 1543130 MLS

Welcome to 408 Cardinal Rd in The Meadows, one of Ringgold's most desirable subdivisions - where incredible curb appeal, thoughtful upgrades, and an outdoor setup you'll absolutely want to show off come together in one seriously fun home. Built in 2010 and offering approximately 2,600 square feet, this 3-bedroom, 2-bath home with a large bonus room is designed for easy everyday living. Close to East Brainerd, and right down the road from The Enclave, so Publix runs and other necessities are right near by. The primary suite and all of the main living areas are on the main level, while upstairs delivers a huge bonus/flex room that can be whatever you need it to be. Has all the requirements to be a fully functional bedroom, but could also be an excellent home office, media room, playroom, gym, guest space, or just a place for everyone to spread out. The kitchen is functional and ready for everything from quick breakfasts to weekend entertaining, with stainless steel appliances and plenty of workspace. The oversized primary suite is a standout, featuring a spacious bedroom and a primary bath with a Jacuzzi tub and heated floors. A tankless water heater and zoned HVAC add even more efficiency and comfort to the home. Then there's the backyard, and this is where 408 Cardinal really separates itself. Think backyard entertaining headquarters. There's an above-ground pool with a large deck, a spacious screened porch, and a dedicated spa house featuring a top-of-the-line hot tub. The pool uses an oxygen system rather than traditional chlorine, along with solar lighting, making it a low-maintenance option that's ready for relaxing and entertaining. There's also an impressive 8x10 greenhouse for the gardener, a 10x20 powered storage building for all the extras, and plenty of outdoor space to actually enjoy it all. As the sun goes down, exterior lighting throughout the front and back yards completely changes the atmosphere, creating a warm, inviting setting that's perfect for evening gatherings, relaxing by the pool, or enjoying the backyard long after dinner is over. The seller would love to sell the home furnished, at the buyer's choice. If you'd rather walk in and have the entire setup ready to go, that option is on the table. Great neighborhood. Incredible curb appeal. A beautifully upgraded home. And a backyard that's built for fun. 408 Cardinal Rd brings a lot to the table, and it's one you'll definitely want to see in person. Book your private showing today!

408 Cardinal Road, Ringgold

Listing courtesy of Keller Williams Realty.

$379,900

3 Beds ⋅ 2 Baths ⋅ 1543074 MLS

Amazing All-Brick Ranch on 2.17 Level Acres! Welcome home to this charming one-level ranch offering 3 bedrooms, 2 full bathrooms, and plenty of space both inside and out. The home features hardwood floors in the bedrooms, a spacious carpeted living room, and a convenient laundry closet. Step outside and enjoy the large covered back porch and expansive patio, complete with a concrete table and benches that will remain with the home--perfect for relaxing or entertaining. The property also features a carport with an attached storage room, providing additional covered parking and valuable storage space. One of the property's standout features is the large 3-car detached garage, offering endless possibilities for a mechanic, woodworker, car enthusiast, hobbyist, or anyone needing an impressive workshop and storage area. With room for vehicles, equipment, projects, and more, this is a rare find! All of this is situated on an amazing, level 2.17-acre lot, offering plenty of room to enjoy the outdoors and make the property your own. If you're looking for an all-brick, one-level home with acreage, multiple parking options, outdoor living space, and exceptional garage/workshop space, this property has so much to offer! Home is being sold ''As Is'' without repairs Schedule your private showing today!

506 Graysville Road, Ringgold

Listing courtesy of Keller Williams Realty.

$279,000

3 Beds ⋅ 2 Baths ⋅ 1543069 MLS

Welcome home to 408 Sparks Street! This beautifully maintained home offers 1,641 sq ft of comfortable living space full of warm natural light, highlighted by classic curb appeal and fantastic outdoor entertainment options. Step onto the inviting rocking-chair front porch to enter a spacious main living area featuring natural wood flooring, a tray ceiling in the primary suite, and modern finishes throughout. New smart windows allow the convenience of WiFi enabled remote controlled window coverings! The heart of the home is the updated kitchen, fully equipped with granite countertops, rich cabinetry, stainless steel appliances, tile backsplash, and a multi-seater breakfast bar island perfect for morning coffee or evening gatherings. Smart layout improvements include a main level laundry setup in the garage, which freed up extra kitchen pantry/storage space! Flexible living options abound with a fully climate-controlled 336 sq ft bonus room above the garage--perfect for a 4th bedroom, home office, media room, or playroom! The main-level primary suite features a tray ceiling, spacious walk-in closet, and an ensuite bath with a double vanity and granite tops. Out back, enjoy your private summer oasis with an expansive wood deck surrounding an above ground pool, offering plenty of room for grilling, lounging, and entertaining guests. Conveniently located in Ringgold close to schools, shopping, and dining--this move-in ready home is a must-see!

408 Sparks Street, Ringgold

Listing courtesy of Real Agents Realty Company.

$275,000

3 Beds ⋅ 2 Baths ⋅ 1542376 MLS

Enjoy the best of both worlds at 38 Davis Rd--a peaceful, serene setting on over 2 acres of level land while still being conveniently close to everything you need. This 3-bedroom, 2-full-bath home offers comfortable single-level living with no stairs, making it an ideal fit for first-time buyers, investors, or those looking to downsize. A spacious 2-car garage adds plenty of room for parking and storage, while the 3-year-old roof provides an added layer of peace of mind. Surrounded by nature with hiking, outdoor recreation, and plenty of activities nearby, you'll have room to enjoy the quiet without feeling far removed. Just minutes from Downtown Ringgold, approximately 20 minutes to Hamilton Place, and less than 30 minutes to Downtown Chattanooga. Come see for yourself how much this location and setting have to offer! Schedule your private tour today!

38 Davis Road, Ringgold

Listing courtesy of Berkshire Hathaway HomeServices J Douglas Properties.

$375,000

3 Beds ⋅ 3 Baths ⋅ 10847726 MLS

Welcome to 63 Sunset Drive, where space, character, and country charm come together on just over an acre in Ringgold! This inviting three-bedroom, two-and-a-half-bath home offers room to spread out both indoors and out, with a flexible floor plan designed for everyday living, entertaining, hobbies, and more. The main level features a bright living room with hardwood floors, crown molding, and a distinctive paneled accent wall, while the generously sized kitchen provides abundant cabinetry, expansive counter space, stainless steel appliances, and a farmhouse sink. Just beyond, the sunroom offers a cheerful spot for morning coffee, a home office, playroom, or quiet retreat. Downstairs, the finished basement adds valuable bonus space with a fireplace, multiple gathering areas, a full working bathroom, and access to the attached one-car garage-ideal for a media room, recreation space, guest retreat, or multigenerational living. Outside is where this property truly shines. Relax or entertain on the expansive covered deck overlooking the private yard, gather around the firepit, plant a garden, or put the existing chicken coop and dog run to use. Mature pecan and walnut trees add to the peaceful setting, while a detached two-car garage and additional outbuilding offer plenty of room for vehicles, storage, hobbies, or a workshop. Conveniently located near I-75, this unique property delivers the breathing room you want without sacrificing accessibility. Come imagine all the ways to make it your own! Includes Virtually Staged Photography. Use ShowingTime for appointments.

63 Sunset Drive, Ringgold

Listing courtesy of Chambers Select Realty.

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