Hidden Lakes Homes with FHA Terms

Welcome to Hidden Lakes, the serene subdivision nestled in the heart of Ooltewah, Tennessee, within beautiful Hamilton County. This charming community is a hidden gem that seamlessly blends the tranquility of nature with the conveniences of modern living. Just a stone's throw from the vibrant city life, Hidden Lakes offers residents a peaceful retreat surrounded by picturesque landscapes and shimmering lakes.

As you explore the neighborhood, you'll discover an array of beautifully designed homes that cater to a variety of lifestyles. Whether you're a first-time homebuyer or looking to settle into your forever home, Hidden Lakes has something for everyone. The homes in this subdivision are not only aesthetically pleasing but also come with the added benefit of being eligible for FHA financing. This means that securing your dream home here is more accessible than ever, allowing you to take advantage of flexible terms and lower down payment options.

Families will appreciate the top-rated schools nearby, as well as the abundance of recreational opportunities that Ooltewah has to offer. From parks and hiking trails to shopping and dining, everything you need is just a short drive away.

Hidden Lakes is more than just a place to live—it's a community where neighbors become friends, and memories are made. If you're searching for a welcoming environment to call home, look no further than Hidden Lakes in Ooltewah. Come and experience the charm of this delightful subdivision today!

Newest Hidden Lakes Homes with FHA Terms

$355,900

4 Beds ⋅ 3 Baths ⋅ 10834672 MLS

Welcome to a truly unique four-bedroom, three-bath home nestled on approximately 1.5 acres in a subdivision featuring two community lakes and a non mandatory HOA. With its distinctive cedar exterior, steel-frame construction, spacious floor plan, and versatile basement, this home offers character and possibilities that are hard to find. The main level features a welcoming living room with a fireplace, crown molding, built-ins, and bay window, along with a spacious open kitchen and dining area perfect for gathering with family and friends. Three bedrooms are located on the main level, including the primary suite, while the fourth bedroom is located downstairs with the 3rd bathroom. The primary bathroom offers a relaxing retreat with a tiled shower, rain showerhead, heat lamps, bidet, and walk-in closet. The full, partially finished basement offers incredible flexibility and room to make the space your own. With a bedroom and bathroom already located downstairs, the area could provide the perfect setup for a teen suite, guest space, additional living area, recreation room, home office, or second living room. A convenient boat door provides easy access to the lower level and makes storing larger recreational equipment, lawn equipment, or other belongings a breeze. A whole-house dehumidifier adds another thoughtful feature to this home. Step outside to enjoy the back deck, patio, and fire pit, creating wonderful spaces for relaxing, entertaining, and enjoying the privacy of your acreage where you will often see deer and other wildlife. With 1.5 acres, two community lakes, a non mandatory HOA, cedar construction, steel framing, a versatile full basement, and plenty of room to personalize, this property offers a unique opportunity to create the home that fits your lifestyle. Come see all that this special property has to offer!

10 Melissa Drive, Stockbridge

Listing courtesy of HR Heritage Realty, Inc..

$479,900

3 Beds ⋅ 2 Baths ⋅ 10829695 MLS

Welcome home to this beautiful four-sided brick ranch situated on a private 3.50 acre wooded estate lot with double road frontage located in the highly desirable Jefferson City School District. A charming rocking chair front porch welcomes you inside. The chef's kitchen features gorgeous granite countertops, stained custom cabinetry, beautiful backsplash, large center island, electric cooktop, double wall ovens, hardwood flooring and breakfast room that flows seamlessly into the cozy family room, complete with a brick fireplace. The spacious dining room and formal living room provide plenty of room for entertaining and large gatherings. The tiled owner's suite offers a private retreat with an ensuite bath featuring a walk-in tiled shower with bench, double vanity and large custom walk-in closet. Two additional bedrooms share a full bath with tub/shower combination and tile flooring. Step outside to the massive back deck overlooking the private, fenced-in backyard, surrounded by mature trees for added privacy. Wraparound driveway leads the way to this private home offering plenty of room for a shop / detached garage, fleet or RV / boat parking. The attached tandem garage has plenty of space for large vehicles. This property offers the space, privacy and flexibility you've been looking for. Don't miss this opportunity to own a beautiful brick ranch on an exceptional lot in Jefferson!

406 Hidden Lakes Trail, Jefferson

Listing courtesy of BHHS Georgia Properties.

$535,000

4 Beds ⋅ 3 Baths ⋅ 1541026 MLS

Your private backyard retreat awaits! This beautifully appointed 4-bedroom, 3 full bath home combines comfortable everyday living with an entertainer's dream outdoor space. From the moment you arrive, lush landscaping and inviting curb appeal set the tone for what awaits inside. The main level offers a welcoming family room centered around a fireplace, a formal dining room for memorable dinners, ample storage, and thoughtfully designed spaces for gathering with family and friends. The private primary suite is a true retreat, featuring its own sitting area and fireplace. This versatile space could easily be transformed into a home office, nursery, reading lounge, or whatever best fits your lifestyle. Step outside and discover what makes this property truly special. The private, beautifully landscaped backyard features a sparkling saltwater in-ground pool, covered porch, and patio--creating an ideal setting for pool days, summer cookouts, morning coffee, and unforgettable evenings with friends. Whether you're hosting a crowd or simply enjoying a quiet afternoon at home, this backyard is designed for making the most of every season. The oversized garage offers plenty of room beyond parking, with space for a workshop, hobbies, storage, a boat, or all the toys that come with an active lifestyle. And the location adds even more appeal. You're close to Cambridge Square, Ooltewah's vibrant destination for locally owned restaurants, shopping, live entertainment, and community events. Updates: • New roof installed May of 2025 • Pool liner and cover replaced in 2021 • Pool has salt system with sand filter • New Upstairs A/C (August 2026) • New Downstairs A/C (2023)

9328 Wandering Way, Ooltewah

Listing courtesy of Keller Williams Realty.

$889,000

4 Beds ⋅ 4 Baths ⋅ 1540336 MLS

Welcome to this stunning, meticulously maintained home offering over 5,000 square feet of elegant living space in one of the area's sought-after neighborhoods. With beautiful stone work on the exterior this home is a showstopper. The home features 4 spacious bedrooms, 4 full baths, and a half bath, perfectly designed for both everyday living and entertaining. The main level offers a well-appointed primary suite with a large bath, walk-in shower and separate tub, along with two additional bedrooms and a full bath tucked away on the opposite side of the home for privacy. The heart of the home is a large, open kitchen featuring an eat-at bar, breakfast area, and a cozy keeping room with a gas fireplace--perfect for casual gatherings. Kitchen features gas stovetop, granite countertops and other stainless appliances. There's also a grand living room with its own gas fireplace and a formal dining room framed by soaring ceilings and rich hardwood floors. Upstairs, you'll find a private en suite bedroom with a full bath, a sitting area, and a spacious bonus room--ideal for guests, a home office, extra storage or a hobby space. The basement level is designed for fun and function, offering a massive recreational space large enough for a pool table, a dedicated media room with theater-style seating, a workout room (big enough for a sauna, though the sauna does not convey), a wine cellar, and a full bath. Plus, there's an additional one-car garage on this level--perfect for a workshop, lawn equipment, or storage. Practical features include a central vacuum system, a separate laundry room with a utility sink, and a two-car garage on the main level. Roof is less than 2 years old. Outside, the home is just as impressive, sitting beautifully on a corner lot with extensive decking across the back, plus a covered patio underneath--ideal for outdoor entertaining. The professionally landscaped yard offers both beauty and privacy.

3106 Reflection Lane, Ooltewah

Listing courtesy of Crye-Leike, REALTORS.

$249,000

3 Beds ⋅ 2 Baths ⋅ 1538644 MLS

This property features three bedrooms and one bathroom and an additional 1/2 bathroom.and is currently rented. Built around 1990, it's one of only four homes for sale in the development. Tucked away in a private area with several other houses, Lenda Lane is a private drive that offers plenty of seclusion. Each home sits on a generous lot, with the Walker County School bus stopping right at the entrance. All properties have Walker County Water and their own septic system. Showings require 24 hours' notice since all homes are tenant-occupied.

110 Lenda Lane, Chickamauga

Listing courtesy of Horizon Sotheby's International Realty.

$249,000

3 Beds ⋅ 2 Baths ⋅ 1538647 MLS

This property features three bedrooms and two bathrooms and is currently rented. Built around 1990, it's one of only four homes for sale in the development. Tucked away in a private area with several other houses, Lenda Lane is a private drive that offers plenty of seclusion. Each home sits on a generous lot, with the Walker County School bus stopping right at the entrance. All properties have Walker County Water and their own septic system. Showings require 24 hours' notice since all homes are tenant-occupied.

86 Lenda Lane, Chickamauga

Listing courtesy of Horizon Sotheby's International Realty.

$249,000

2 Beds ⋅ 1 Baths ⋅ 1538643 MLS

This property features three bedrooms and one bathroom and is currently rented. Built around 1990, it's one of only four homes for sale in the development. Tucked away in a private area with several other houses, Lenda Lane is a private drive that offers plenty of seclusion. Each home sits on a generous lot, with the Walker County School bus stopping right at the entrance. All properties have Walker County Water and their own septic system. Showings require 24 hours' notice since all homes are tenant-occupied.

Chickamauga

Listing courtesy of Horizon Sotheby's International Realty.

$379,900

3 Beds ⋅ 2 Baths ⋅ 10769321 MLS

Charming cottage in Hidden Lakes at 3366 Highland Pine Way, tucked on a quiet street in Duluth. Why pay condo fees for no yard when you can start with a house and a yard of your own? A few steps lead inside, then the home is all on one level. Hardwoods, a stone fireplace, fresh paint, and new carpet in the bedrooms. Eat-in kitchen with stainless appliances. Primary bedroom with a private bath, plus two additional bedrooms and a full hall bath. Three outdoor spaces: front porch, screened porch, and a private back deck. Large backyard with a fenced garden area. Private lake for bordering owners, with access from the rear of the lot. Easy access to Buford Highway, dining, and shopping in Duluth.

3366 Highland Pine Way, Duluth

Listing courtesy of RE/MAX Center.

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