Rock Spring Homes with FHA Terms

Welcome to Rock Spring, Georgia—a hidden gem nestled in the heart of Walker County. This charming city boasts a rich tapestry of Southern heritage, where picturesque landscapes meet a warm, inviting community. With its rolling hills and lush greenery, Rock Spring offers a serene escape from the hustle and bustle of city life while being conveniently located just a short drive from the vibrant urban amenities of nearby Chattanooga, Tennessee.

Rock Spring is renowned for its friendly atmosphere and a strong sense of community, making it an ideal place for families, retirees, and anyone seeking a peaceful lifestyle. Residents enjoy a variety of outdoor activities, from hiking and biking along scenic trails to exploring local parks that showcase the area's natural beauty. The city’s close-knit community hosts various events throughout the year, fostering connections and creating lasting memories.

For those looking to settle in Rock Spring, the housing market is favorable, with many homes available under FHA financing terms. This means that first-time homebuyers and those with limited savings can access affordable housing options without compromising on quality. With a range of charming single-family homes, cozy cottages, and spacious properties, there’s something to suit every taste and budget.

Whether you're drawn to the area's stunning landscapes, community spirit, or the affordability of FHA-approved homes, Rock Spring is a place where you can truly feel at home. Explore the possibilities in this delightful city and discover the perfect place to start your next chapter!

Newest Rock Spring Homes with FHA Terms

$490,000

5 Beds ⋅ 3 Baths ⋅ 1542189 MLS

Beautiful newer home in Ginger Lake Estates, spacious home with 5 bedrooms and 3 bathrooms, perfect for a family of any size. Rocking chair front porch for relaxing and watching the sun set. The main level has gleaming wood floors and an open flow concept. The large dining room is perfect for all your holiday gatherings, it opens into the great room which has a stone fireplace as the focal point, perfect for cozy evenings this winter. Gorgeous gourmet kitchen with lots of cabinets, granite countertops and an island for quick breakfasts on the go. The primary bedroom is on the first level for convenience and has a beautiful en suite bathroom with a soaking tub and separate shower. Wonderful neighborhood and fantastic schools. This home is USDA loan eligible, that means no down payment needed, that could save you over $14,000 in down payment costs, ask your lender for details. Make your appointment to come see this home today!

49 Inlet Drive, Rock Spring

Listing courtesy of Crye-Leike, REALTORS.

$314,990

3 Beds ⋅ 3 Baths ⋅ 1541920 MLS

Move-In Ready October! The Caldwell is great for those needing a first-floor owner's suite. The hub of this home is the centrally located family room, which is open to the kitchen and a covered rear porch. Single-level living can be easily achieved here because everything is just steps away, but a flexible second floor provides a bath and two additional bedrooms, a large loft. Abundant windows flood the space with natural light, enhancing the bright and airy atmosphere throughout. The thoughtfully designed kitchen blends style and function with granite countertops, ample cabinetry, generous prep space, a center island with sink, and a convenient pantry--perfect for cooking and gathering. Situated on a large, level homesite, this home offers a rare blend of scenic surroundings and usable outdoor space. Located in the desirable Laurel Ridge community, the Caldwell delivers energy-efficient new construction, thoughtful design, and a prime Rock Springs location with easy access to shopping, dining, and major commuter routes. Seller incentives available with the use of preferred lenders. Photos are representative of the plan and not the actual home.

115 Willow Circle, Rock Spring

Listing courtesy of SDH Chattanooga LLC.

$439,000

3 Beds ⋅ 3 Baths ⋅ 10837235 MLS

Escape to peaceful country living in beautiful Rock Springs, GA! Situated on approximately 1 acre in a quiet, well-kept community, this stunning 3-bedroom, 2.5-bath home offers the perfect blend of comfort, style, and scenic surroundings. As you travel down the paved private drive, you'll immediately appreciate the privacy and charm this property provides. Inside, the spacious two-story-over-basement floor plan features soaring vaulted ceilings in the foyer and living room, creating an open and inviting atmosphere filled with natural light. The kitchen is designed to impress with custom cabinetry, quartz countertops, stainless steel appliances, farmhouse sink, neutral backsplash, and a generously sized pantry perfect for storage and entertaining. The main-level primary suite offers a relaxing retreat complete with double vanities, a large walk-in closet, and an oversized shower. Upstairs, you'll find two additional bedrooms and a full bath, providing plenty of room for family or guests. The oversized laundry room includes built-in cabinetry for added convenience and organization. Step outside and enjoy the peaceful outdoor setting from either the covered front porch with mountain sunset views or the spacious covered back porch ideal for morning coffee. The fenced backyard, garden areas, and charming gazebo create the perfect outdoor escape. Downstairs, the basement offers endless flexibility with a large two-car garage, extra storage space, and an additional finished room that would make a great media room, workout space, office, or teen hangout. Perched on a slightly elevated lot, this home offers breathtaking mountain views along with practical benefits for drainage and privacy. Conveniently located near schools, daycare, grocery stores, and everyday essentials. Come experience the beauty and tranquility this property has to offer-schedule your private showing today!

14981 Alabama Highway, Rock Spring

Listing courtesy of Chapman Group Realty, Inc..

$449,000

4 Beds ⋅ 3 Baths ⋅ 1541687 MLS

Welcome to 188 Senduro Pass, a beautifully maintained 2021-built home in Rock Spring, GA, offering approximately 2,200 square feet of living space, 4 bedrooms, and 3 full bathrooms. Nestled on a peaceful cul-de-sac, this home provides a serene setting while remaining conveniently accessible to nearby amenities. From the welcoming exterior to the thoughtfully designed interior, this property combines modern construction with features that provide comfort, functionality, and versatility. Large windows bring an abundance of natural light into the home, while granite countertops throughout add a timeless touch to the kitchen and bathrooms. The gas log fireplace creates a warm and inviting atmosphere, making the living area a comfortable place to relax or entertain. The exterior gives even more to appreciate. An extra-wide concrete driveway provides plenty of parking and features a 50-amp hookup suitable for an RV, electr ic vehicle, or generator, adding exceptional flexibility for homeowners. The 5-foot chain-link fenced backyard provides a secure and usable outdoor space for pets and entertaining, or simply enjoying the peaceful surroundings. A standout feature of this property is the approximately 900-square-foot basement garage. This expansive space extends room for vehicles, equipment, storage, hobbies, or an impressive workshop. The home also includes a dedicated security room/storm shelter, providing an additional layer of safety and peace of mind. Located in the peaceful community of Rock Spring, 188 Senduro Pass provides an appealing balance of privacy, comfort, and convenience. Whether you're looking for a newer home with room to grow, a large garage for your hobbies and projects, or a property with added preparedness and outdoor features, this home is something truly special.

188 Senduro Pass, Rock Spring

Listing courtesy of Beycome Brokerage Realty LLC.

$437,500

4 Beds ⋅ 3 Baths ⋅ 1541609 MLS

Welcome to 244 Hunting Ridge Circle, a beautifully maintained, 4 bedroom / 3 bathroom home in Rock Spring's desirable Fieldstone Farms neighborhood. Built in 2008 and offering 2,760 square feet, this home features a spacious, flexible floor plan with hardwood floors throughout the main level and an impressive vaulted ceiling in the living room. The covered back porch provides a comfortable place to relax, entertain, or enjoy the peaceful outdoor setting. The main level features 3 bedrooms and 2 bathrooms and the upstairs has a large bedroom with a full bathroom. The upstairs portion of the home could easily be configured as a separate living suite or apartment-style space. Exceptional walk-out attic storage provides convenient access and ample room for seasonal items and more. The two-car garage is equipped with air conditioning and a dedicated workbench station, making it well suited for hobbies, projects, or a comfortable workshop. Major improvements include a roof that is only four years old and a professionally encapsulated crawlspace for added protection and peace of mind. Conveniently located with easy access to both Ringgold and Chattanooga, this thoughtfully maintained Fieldstone Farms home offers space, versatility, and an appealing North Georgia setting. (Information is deemed reliable but not guaranteed. Buyer should verify any information of concern, including but not limited to schools and square footage)

244 Hunting Ridge Circle, Rock Spring

Listing courtesy of Keller Williams Realty.

$514,000

4 Beds ⋅ 3 Baths ⋅ 1541264 MLS

Tucked away at the end of a quiet cul-de-sac in Rock Spring's Twelve Oaks neighborhood sits 103 Windy Oak Drive. This classic brick and stone home is all about easy living. Inside, you will love the warm, open layout featuring a cozy great room with a gas log fireplace. The gourmet kitchen is a chef's dream, complete with stainless steel appliances and gorgeous marble countertops. With four spacious bedrooms, including a private primary suite with trey ceilings, a soaking tub, and a tile shower and three full baths, there is plenty of room for everyone. There are also nice extra touches like ceramic tile in the laundry room, soft carpets in the bedrooms, and an EV charger outlet in the garage. When you want to relax, you can head out to the covered front porch or enjoy the fully fenced backyard from your large, screened-in back porch. Schedule to see 103 Windy Oak Drive today.

103 Windy Oak Drive, Rock Spring

Listing courtesy of Keller Williams Realty.

$324,900

3 Beds ⋅ 2 Baths ⋅ 1541189 MLS

Single level, all brick home, covered parking, extra large flat lot, fenced in backyard, AND an inground salt water pool. This Rock Spring home has well sized bedrooms and a great open concept layout. The backyard space is the star of the show, complete with a screened in back porch, flat fenced in yard space, and a large well kept inground pool. Come see this one before it is gone!

118 Graham Circle, Rock Spring

Listing courtesy of Keller Williams Realty.

$435,000

3 Beds ⋅ 2 Baths ⋅ 1540589 MLS

Built in 2024 and situated on 1.22 acres, this thoughtfully designed 3-bedroom, 2-bath home combines modern finishes with warm rustic details. The open-concept living area features a vaulted ceiling with decorative wood beams, polished concrete floors, abundant natural light and solid wood interior doors throughout. The kitchen offers granite countertops, dark cabinetry, stainless steel appliances, a farmhouse-style sink and a pantry. A tankless water heater adds energy-efficient convenience. The split-bedroom floor plan places the spacious primary suite on one side of the home, with two additional bedrooms and a second full bath on the opposite side for added privacy. The primary suite includes a tray ceiling, barn-door entry to the private bath, double vanity and a tiled walk-in shower. The walk-in primary closet connects directly to the generously sized laundry room, which is also accessible from the kitchen for added convenience. Enjoy the peaceful setting and surrounding views from the covered front and rear porches. A standout feature is the approximately 59' Ã-- 40' detached metal garage/workshop with two roll-up doors, concrete flooring, lighting and ample space for vehicles, equipment, hobbies or storage. The property also includes an RV hookup for added convenience. A portion of the building has been framed and includes rough-in electrical and plumbing for a planned 2-bedroom, 1-bath dwelling with a full kitchen and living room. The unfinished space offers excellent potential for a guest suite, multigenerational living or additional recreational space upon completion. Conveniently located just minutes from Highway 27 while still providing room to spread out. Detached building improvements are unfinished and are not included in the reported heated living area. Buyer should verify permits, intended use and all requirements necessary for completion.

217 Peavine Way, Rock Spring

Listing courtesy of Elite Realtors LLC.

$434,000

3 Beds ⋅ 3 Baths ⋅ 1540242 MLS

Move-in ready and beautifully updated, this spacious home offers the perfect blend of comfort, functionality, and outdoor living! Nestled near a quiet cul-de-sac on a dead-end street with minimal traffic, this well-maintained home features an open-concept floor plan with the primary suite conveniently located on the main level. The bright living spaces flow seamlessly into the kitchen and dining area, making it ideal for everyday living and entertaining. Downstairs, you'll find approximately 250 square feet of finished flex space perfect for a home office, media room, playroom, workout space, or hobby room. Step outside and discover the home's newest feature--a private backyard retreat. Since the previous listing, the sellers have transformed the outdoor space with a fully fenced backyard, expansive concrete patio, custom fire pit area, and wooded backyard oasis, creating the perfect setting for relaxing evenings, entertaining guests, or enjoying time with family. Enjoy peaceful views of the neighborhood's shared lake, where residents can fish, along with the added bonus of no HOA fees. Conveniently located in Rock Spring with easy access to Chattanooga, this home offers the tranquility of country living while remaining close to shopping, dining, and schools. Don't miss your opportunity to own this thoughtfully updated home featuring all new appliances with exceptional indoor and outdoor living spaces. Plus this home is now on public sewer! Schedule your private tour today.

61 Blue Herron Drive, Rock Spring

Listing courtesy of Keller Williams Realty.

$435,999

4 Beds ⋅ 3 Baths ⋅ 1539922 MLS

* Seller offering up to $5,000 in flex concessions to buy down your interest rate or help pay your closing cost! * Subject to lender approval and guidelines. Plenty of room to spread out in this spacious 4-Bedroom, 3-Bath home with bonus room, two-car garage & modern upgrades. Move-in ready and full of charm, this beautifully updated home offers space, flexibility, and convenience. The remodeled eat in kitchen features upgraded appliances, a pantry, and plenty of room for cooking and entertaining. Just off the kitchen is a gorgeous dining room with bay windows. A versatile bonus room is perfect for a man cave, home office, or playroom. The private upstairs bedroom with its own full bath is ideal for teens, guests, or in-laws. The inviting living room boasts a cozy gas fireplace and large windows for natural light. A storage building offers extra room for tools or lawn equipment. The large two car garage offers extra storage. Home has a rocking chair front porch and covered back patio. Recent upgrades include a new roof, fresh paint and all new carpet in living areas and bedrooms, new light fixtures have been installed to give rooms a modern feel. HVAC is only 4 years old, and the hot water heater is newer as well. Home has been meticulously maintained and cared for by current owner. All of this sits on a large lot conveniently located less than 15 minutes from Fort Oglethorpe and Ringgold, Ga giving easy access to I-75, all while living in a peaceful country setting offering rural living with an easy commute to work or shopping. Schedule a showing today to see what this home has to offer!

1339 Long Hollow Road, Rock Spring

Listing courtesy of Better Homes and Gardens Real Estate Jackson Realty.

$385,000

2 Beds ⋅ 2 Baths ⋅ 1539679 MLS

Welcome to 104 Lexington Stop Drive in Rock Spring, Georgia! This beautiful two bedroom, two bath custom-built home offers the perfect combination of comfort, quality, and simple living in a newer, attractive subdivision. Designed with a condo-style, low-maintenance lifestyle in mind while still providing the benefits of a single-family home, this property is an excellent choice for a first-time homebuyer, downsizer, or anyone looking for a comfortable home with room to enjoy outdoors. Experience an executive-style setting surrounded by well-maintained homes, spacious lots, and a neighborhood that provides a sense of openness often difficult to find with traditional closely built homes by new developers today. Enjoy your own beautiful yard without sacrificing the convenience and manageable size of a thoughtfully designed 2-bedroom home. Whether you are looking for your first home, planning your next chapter, or simply wanting to simplify your lifestyle, this custom-built home offers an outstanding opportunity in desirable Rock Spring. Comfort, quality, convenience, and a beautiful setting all wrapped into one exceptional property. Look at the photos and call for your private show today!

104 Lexington Stop Drive, Rock Spring

Listing courtesy of Berkshire Hathaway HomeServices J Douglas Properties.

$319,990

3 Beds ⋅ 3 Baths ⋅ 10813584 MLS

Move-In Ready Early October! The Caldwell is great for those needing a first-floor owner's suite. The hub of this home is the centrally located family room, which is open to the kitchen and a covered rear porch. Single-level living can be easily achieved here because everything is just steps away, but a flexible second floor provides a bath and two additional bedrooms, a large loft. Abundant windows flood the space with natural light, enhancing the bright and airy atmosphere throughout. The thoughtfully designed kitchen blends style and function with granite countertops, ample cabinetry, generous prep space, a center island with sink, and a convenient pantry--perfect for cooking and gathering. Situated on a large, level homesite, this home offers a rare blend of scenic surroundings and usable outdoor space. Located in the desirable Laurel Ridge community, the Caldwell delivers energy-efficient new construction, thoughtful design, and a prime Rock Springs location with easy access to shopping, dining, and major commuter routes. Seller incentives available with the use of preferred lenders. Photos are representative of the plan and not the actual home.

89 Willow Circle, Rock Spring

Listing courtesy of SDC Realty North Georgia.

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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.