Ringgold Homes with USDA Loan Terms

AND HERE IT IS!! Finally, the home you've been looking for is on the market and ready for you!! This well-built home has everything you need on the main level including the huge master suite with large bathroom, his and hers closets, a half bath to service guests along with a separate dining room, living room and den with cozy gas log fireplace. Upstairs you will find two additional bedrooms a full tiled shower and a huge, finished bonus room, not to mention storage galore! Second floor has been sound proofed so downstairs does not hear the upstairs activity. You are going to love spending time outside in the private fenced backyard to find your very own personal retreat. Enjoying your morning coffee sitting on the swing in the screened in porch which overlooks the fabulous 8ft deep sale water inground pool with diving board and it just might inspire a morning swim. To finish out the home you have a large corner lot, double car garage and picturesque. white picket fence. This home has been updated and is move in ready. Updates include all light fixtures, chandeliers, ceiling fans, new roof with hardwired attic fan (2026), new HVAC (2025) gutter guards, pool was converted from chlorine to salt, new pool liner with spray foam insulation, new steps in pool and partial decking were added, screened in porch was updated and a brand new deck was added (2024), updated tiled showers, baths and laundry, new paint, and luxury vinyl flooring, not to mention the several trees that were cut down to enhance the property. There is also a second driveway for your guests. The owners truly have a lot of pride and ownership here and it is tastefully decorated. You will not want to miss out on this one.

14 Hickory Hill Lane, Ringgold

Listing courtesy of Maximum One Preferred Realtors.

$319,900

4 Beds ⋅ 3 Baths ⋅ 10843982 MLS

Space, flexibility, storage and thoughtful updates come together at 11 E Larry Circle, tucked away on a cul-de-sac in Ringgold's established Foster Hills neighborhood. The main level offers three bedrooms and two full baths, beautiful hardwood floors, a remodeled kitchen with granite countertops, abundant cabinetry, double ovens and pantry pull-out storage, formal dining room, comfortable living room with gas-log fireplace, and a flexible office/sunroom area with a vaulted wood-accent ceiling, abundant natural light and access to the rear deck. Walk-in closets in the primary bedroom and an additional bedroom add to the home's exceptional storage. The finished lower level expands the possibilities with a spacious family room plus a separate flexible living area featuring a kitchenette with new flooring and an existing electric range hookup, a fourth bedroom with new carpet, full bath and separate exterior entrance. An adjacent storage/workshop area with garage-door access includes the washer/dryer hookup. Whether used for extended family, guests, a home office, recreation space or flexible secondary living, the lower level provides versatility that is hard to find. Major improvements in 2024 include a new architectural-shingle roof, HVAC system with air purifier, and gutter system with guards, plus a whole-house water filtration system installed in 2021. The septic system was professionally serviced in January 2026. Outside, enjoy a generous yard, rear deck, oversized two-car attached garage with excellent depth and width, plus an additional garage-door storage/workshop bay ideal for lawn equipment, bikes, tools and more. With approximately 2,617 total finished square feet, abundant storage and flexible living spaces, 11 E Larry Circle offers room to live, work, gather and spread out.

11 E Larry Circle, Ringgold

Listing courtesy of LPT Realty.

$319,900

4 Beds ⋅ 3 Baths ⋅ 1542502 MLS

Space, flexibility, storage and thoughtful updates come together at 11 E Larry Circle, tucked away on a cul-de-sac in Ringgold's established Foster Hills neighborhood. The main level offers three bedrooms and two full baths, beautiful hardwood floors, a remodeled kitchen with granite countertops, abundant cabinetry, double ovens and pantry pull-out storage, formal dining room, comfortable living room with gas-log fireplace, and a flexible office/sunroom area with a vaulted wood-accent ceiling, abundant natural light and access to the rear deck. Walk-in closets in the primary bedroom and an additional bedroom add to the home's exceptional storage. The finished lower level expands the possibilities with a spacious family room plus a separate flexible living area featuring a kitchenette with new flooring and an existing electric range hookup, a fourth bedroom with new carpet, full bath and separate exterior entrance. An adjacent storage/workshop area with garage-door access includes the washer/dryer hookup. Whether used for extended family, guests, a home office, recreation space or flexible secondary living, the lower level provides versatility that is hard to find. Major improvements in 2024 include a new architectural-shingle roof, HVAC system with air purifier, and gutter system with guards, plus a whole-house water filtration system installed in 2021. The septic system was professionally serviced in January 2026. Outside, enjoy a generous yard, rear deck, oversized two-car attached garage with excellent depth and width, plus an additional garage-door storage/workshop bay ideal for lawn equipment, bikes, tools and more. With approximately 2,617 total finished square feet, abundant storage and flexible living spaces, 11 E Larry Circle offers room to live, work, gather and spread out.

11 E Larry Circle, Ringgold

Listing courtesy of LPT Realty LLC.

$375,000

4 Beds ⋅ 3 Baths ⋅ 1542453 MLS

Welcome to 222 Carrigan Circle- a beautifully situated home in the Willow Creek subdivision offering space, privacy, and the kind of setting buyers rarely find in a neighborhood this convenient. Tucked away in a quiet cul-de-sac and sitting on a generous 0.61 acre lot, this 4 bedroom, 2.5 bath home offers 2,045 square feet of thoughtfully designed living space with a 2 car garage. The main level is made for everyday living and entertaining, featuring a welcoming living room, convenient half bath, and a spacious kitchen with newer Whirlpool appliances, granite countertops, abundant cabinetry, pantry storage, and a breakfast area overlooking the backyard. The living room's gas log fireplace creates a warm focal point and opens naturally to the screened in porch, an ideal spot for morning coffee, relaxing evenings, or entertaining friends and family. Upstairs, all four bedrooms provide excellent separation from the main living areas. The spacious primary suite features a tray ceiling, large walk-in closet, and an impressive en suite bath with plenty of counter space, storage, and a separate water closet. The secondary bathroom connects to two of the bedrooms upstairs and has also been refreshed with a newer tub/shower insert. The fourth bedroom offers flexibility for guests, an office, playroom, or bonus space. Step outside and discover the real advantage of this property: a large lot with plenty of room to enjoy the outdoors, along with newer deck steps and a screened porch that extend the home's living space. The cul-de-sac setting provides a peaceful neighborhood atmosphere while keeping everyday conveniences within easy reach. Homes offering four bedrooms, a spacious lot, a 2 car garage with built in wood shelving, and a setting like this don't come along every day. Schedule your private showing today and see why 222 Carrigan Circle should be at the top of your list- this one is worth seeing in person!

222 Carrigan Circle, Ringgold

Listing courtesy of Keller Williams Realty.

$258,500

3 Beds ⋅ 2 Baths ⋅ 1542417 MLS

SO MUCH POTENTIAL AND SO READY FOR YOU TO GIVE IT SOME LOVE ! These are Honest Photos, and if you look closely you'll see there is cosmetic work to do in almost every room. But, 172 Andrew is So Deserving... it's Solid, ''Great Bones'' and in a great convenient neighborhood near Ringgold, PUBLIX @ Ooltewah/Ringgold, Collegedale, East Brainerd.... If it was cosmetically perfect, this house comps out in the $300's ! It's priced right, & if you are ready, willing and able to do a bit of work You Are Certain to earn a LOT OF EQUITY ! CALL YOUR FAVORITE AGENT & CHECK IT OUT

172 Andrew Road, Ringgold

Listing courtesy of Real Agents Realty Company.

$245,000

3 Beds ⋅ 2 Baths ⋅ 1542123 MLS

Charming, Convenient & Ready to Welcome You Home! Welcome to 2311 Saunders Road in Ringgold! This charming one level home offers 3 bedrooms, 1.5 baths and an inviting layout designed for comfortable everyday living. The spacious living room flows easily into the freshly painted kitchen, creating a bright and welcoming space for relaxing, entertaining, and making memories. Situated on a level corner lot, there's plenty of outdoor space to enjoy, whether you're gardening, hosting a weekend cookout, or simply unwinding on the covered rear porch. The half bath is already plumbed for a shower, offering the new owner the opportunity to create a second full bath. An attached garage and durable metal roof add even more practicality. Love getting outdoors? A peaceful nature park is just about a block away, while shopping, dining, schools, and everything Ringgold has to offer are conveniently nearby. Whether you're looking for your first home, ready to downsize, or searching for a great investment opportunity, 2311 Saunders Road may be the one you've been waiting for! Come take a look and imagine making this Ringgold charmer your own. Schedule your private showing today!

2311 Saunders Road, Ringgold

Listing courtesy of Zach Taylor - Chattanooga.

$400,000

3 Beds ⋅ 2 Baths ⋅ 1541970 MLS

You'll fall in love before you even walk in the door! This charming 2021-built home sits on a spacious 1.38-acre lot in a beautiful, peaceful neighborhood, just minutes from I-75 and zoned for some of the area's top-rated schools. With classic curb appeal, crisp white siding, stacked-stone accents, and a cheerful blue front door, this home welcomes you from the moment you arrive. Step inside to an inviting open-concept living space anchored by a gorgeous stone fireplace, with rich LVP flooring flowing throughout. The kitchen features white cabinetry, granite countertops, stainless steel appliances, and a spacious island that's perfect for morning coffee, casual meals, or entertaining guests. The home offers three comfortable bedrooms and two full bathrooms. And then there's the finished basement! Complete with a brand-new mini-split for year-round comfort, this versatile space offers endless possibilities--create a game room, cozy movie retreat, home gym, hobby space, or private area for guests. The basement also connects directly to the two-car garage, adding everyday convenience and functionality. Outside, enjoy the space and privacy that come with 1.38 acres, while still being close to everything you need. Homes offering this combination of newer construction, additional finished space, acreage, and convenient location don't come around often. Come see it in person and make it yours!

265 Promise Heights Drive, Ringgold

Listing courtesy of Premier Property Group Inc..

$594,000

4 Beds ⋅ 3 Baths ⋅ 10837900 MLS

Welcome to your own private retreat where spacious living, breathtaking scenery, and everyday comfort come together beautifully. Surrounded by mature landscaping and incredible views from every side, this unique home offers the peaceful setting buyers dream about while still providing room to gather, entertain, and spread out comfortably. With over 3,200 square feet, this thoughtfully designed multi-level home features an expansive living room with soaring space for entertaining, a large kitchen with center island, and a charming dining area perfectly positioned to enjoy the surrounding views. The spacious primary suite offers a private escape complete with a large ensuite bath, walk-in closet, and relaxing atmosphere. The flexible floor plan includes multiple bedrooms, additional living spaces, and a large bonus room ideal for a media room, game room, home office, workout space, or guest retreat. A generously sized family room on the lower level creates the perfect second gathering area for entertaining or multigenerational living. Step outside and enjoy the beauty of the mature landscaping, peaceful outdoor spaces, and scenic surroundings that make this property feel like a getaway every day. Residents also enjoy access to the community lake, adding even more charm and recreation opportunities to this incredible property. If you've been searching for a home with character, space, unforgettable views, and a setting that feels truly special, this one is a must-see.

678 Cherokee Lake Drive, Ringgold

Listing courtesy of Keller Williams Realty.

$345,000

3 Beds ⋅ 3 Baths ⋅ 1541890 MLS

Welcome home to this spacious Ringgold property offering a flexible layout, great outdoor space, and plenty of room to spread out! Located in Rolling Hills neighborhood convenient to schools, shopping, dining, and everything Ringgold and Fort Oglethorpe has to offer, this home is packed with features inside and out. The main level features a welcoming living room with gas log fireplace, kitchen with granite countertops and stainless steel appliances, and a primary suite with walk-in closet, double vanity, soaking tub, and separate shower. Upstairs, you'll find two generously sized bedrooms with walk-in closets and a full bathroom. Downstairs offers a two-car garage plus a large finished bonus area, perfect for a home office, recreation room, gym, media room, or a bonus room. Outside, enjoy your morning coffee on the large covered front porch or spend summer days relaxing by the above-ground pool and deck. The spacious yard provides even more room for entertaining, pets, or play. Major updates include an approximately 5-year-old roof, new front porch steps, a new back deck, an additional HVAC unit and also updated tile flooring. With three bedrooms, multiple living spaces, a main-level primary suite, two-car garage, pool, and a convenient Ringgold location, this home offers the space and versatility you've been looking for. Schedule your private showing today!

684 Debbie Lane, Ringgold

Listing courtesy of EXP Realty, LLC.

$349,900

3 Beds ⋅ 2 Baths ⋅ 10833177 MLS

Experience the inviting comfort of this delightful one-level home, perfectly situated on a generous lot. This charming residence is move-in ready and awaiting a new owner to appreciate its many features and welcoming atmosphere. Upon entering, you will immediately feel at home, enjoying a sense of comfort that flows seamlessly throughout the open floor plan. The kitchen area transitions smoothly into the main living spaces, creating an ideal environment for both relaxing and entertaining. Step outside to discover a private deck, perfect for enjoying quiet moments or hosting gatherings. The outdoor area also features a designated space for a fire pit, enhancing the potential for relaxation and fun in your own backyard retreat.

1616 Houston Valley Road, Ringgold

Listing courtesy of Coldwell Banker Pryor Realty.

$349,900

3 Beds ⋅ 2 Baths ⋅ 1541491 MLS

Experience the inviting comfort of this delightful one-level home, perfectly situated on a generous lot. This charming residence is move-in ready and awaiting a new owner to appreciate its many features and welcoming atmosphere. Upon entering, you will immediately feel at home, enjoying a sense of comfort that flows seamlessly throughout the open floor plan. The kitchen area transitions smoothly into the main living spaces, creating an ideal environment for both relaxing and entertaining. Step outside to discover a private deck, perfect for enjoying quiet moments or hosting gatherings. The outdoor area also features a designated space for a fire pit, enhancing the potential for relaxation and fun in your own backyard retreat.

1616 Houston Valley Road, Ringgold

Listing courtesy of Coldwell Banker Pryor Realty.

$380,000

3 Beds ⋅ 3 Baths ⋅ 1541238 MLS

Welcome to Hickory Hills and Ringgold Schools! This 2,400 finished square foot home features 1,600 square feet on the main level and an 800 square foot completed lower level. The main floor offers an open-concept layout linking the living room, dining room, and kitchen, along with two bedrooms and two full bathrooms. The kitchen and all bathrooms have been updated: find granite countertops, tile, and new flooring that runs throughout the entire house. The completed downstairs area includes a living space, one bedroom, one full bathroom, and two additional windowless rooms suitable for home offices or alternative use, one in which the Seller has been using as additional bedrooms. The property is located in an HOA-free neighborhood within the Catoosa County School District and is situated 3.4 miles from I-75 Exit 348. Come check out this wonderful place! Buyer to verify all listing data, square footage, schools, and anything else of importance. Info is deemed accurate but is not warranted.

49 Hickory Hill Lane, Ringgold

Listing courtesy of Fairpoint Realty, LLC.

Ringgold Homes with USDA Loan Terms

Newest Ringgold Homes with USDA Loan Terms