River Cove Homes with USDA Loan Terms

Welcome to River Cove, a serene and picturesque subdivision nestled in the charming city of Harrison, Tennessee, within the beautiful Hamilton County. This idyllic community offers a perfect blend of tranquility and modern living, making it an ideal place for families, retirees, and anyone looking to escape the hustle and bustle of city life while still enjoying easy access to urban amenities.

River Cove is known for its stunning natural surroundings, with lush greenery, scenic views, and peaceful waterways that create a serene atmosphere. Residents can enjoy leisurely walks along the winding paths, engage in outdoor activities, or simply relax in the comfort of their homes. The subdivision features a variety of beautifully designed homes, each exuding character and charm, catering to diverse tastes and lifestyles.

One of the standout features of River Cove is the availability of homes with USDA loan terms, making homeownership more accessible for many families. This government-backed program is designed to help low-to-moderate-income buyers purchase homes in rural and suburban areas, and River Cove fits the bill perfectly. With no down payment required and competitive interest rates, this financing option opens doors for those looking to invest in their dream home without the burden of hefty upfront costs.

Living in River Cove means embracing a lifestyle filled with community spirit, natural beauty, and the comforts of home. With its welcoming atmosphere and convenient location, it's no wonder why so many choose to call this enchanting subdivision their home. Come explore River Cove and discover the perfect place to build lasting memories!

Newest River Cove Homes with USDA Loan Terms

$714,900

5 Beds ⋅ 5 Baths ⋅ 10784529 MLS

5 BEDROOMS, 5 ACRES & NEARLY 4,900 FINISHED SQ FT! Set on 5 private acres in desirable River Cove, this spacious home offers approximately 3,825 square feet above grade plus over 1,000 square feet of finished basement space, along with additional unfinished basement area ideal for storage, a workshop, or future expansion. Designed for comfortable everyday living and entertaining, the home offers generous room sizes, multiple living areas, and plenty of flexibility for a large household, guests, home offices, hobbies, or multigenerational living. The main level provides great flow with access to outdoor living spaces overlooking the peaceful acreage. The finished basement adds valuable living space that can serve as a recreation room, media area, guest space, home gym, or additional office, while the unfinished portion provides the kind of storage and utility space that is often hard to find. Outside, the 5-acre setting offers privacy, room to spread out, and the feel of country living while remaining within an established community. With five bedrooms, five baths, nearly 4,900 finished square feet, additional unfinished basement space, and acreage, this property offers exceptional versatility and room to make it your own. If you have been searching for a home with substantial square footage, privacy, and flexible living space, 165 River Cove Ridge deserves a closer look. River Cove is a desirable rural-residential community near Social Circle, known for large lots, custom homes, and a peaceful country setting with convenient access to Covington, Monroe, and Atlanta.

165 River Cove Ridge, Social Circle

Listing courtesy of Southern Classic Realtors.

$379,000

3 Beds ⋅ 2 Baths ⋅ 1533875 MLS

Beautifully maintained and move-in ready, this one-owner home has been lovingly cared for and offers the perfect blend of comfort, space, and convenience in one of Chattanooga's most desirable neighborhoods. The welcoming main level features an open floor plan with abundant natural light, a spacious living area, and a well-appointed kitchen that's ideal for both everyday living and entertaining. New flooring throughout gives the home a fresh, updated feel, while the meticulous condition reflects years of exceptional care. The finished lower level provides outstanding flexibility with generous space for a recreation room, home office, fitness area, media room, or guest accommodations--perfect for today's changing lifestyle needs. Enjoy the peaceful setting from the deck overlooking the backyard, with mature landscaping and a neighborhood known for its pride of ownership and convenient location to shopping, dining, parks, and schools. If you've been searching for a home that's exceptionally well maintained, thoughtfully updated, and truly move-in ready, this is one you won't want to miss.

6546 Olde Ferry Landing, Harrison

Listing courtesy of Keller Williams Realty.

$382,500

3 Beds ⋅ 3 Baths ⋅ 1531229 MLS

STOP SCROLLING--this River Cove home brings the updates, the space, and the backyard everyone wants, with NO HOA! Better than new and already upgraded, this home is move-in ready without the wait, work, or added expense. Inside, the main-level primary suite keeps everyday living easy, while two oversized bedrooms upstairs offer serious space for family, guests, a media room, or whatever fits your lifestyle. A dedicated office nook gives you a separate spot to work, study, or keep life organized without sacrificing a bedroom. The kitchen includes a dedicated pantry, there's a separate laundry room, and the HVAC is less than two years old. But the backyard may steal the show. Step outside to a huge, level, fully fenced yard with an oversized deck and dedicated fire pit area--ready for cookouts, game days, pets, kids, parties, or late nights around the fire. Fresh landscaping gives the home standout curb appeal from the moment you pull up. Updated. Spacious. Fully fenced. Main-level primary. Newer HVAC. Incredible outdoor living. And NO HOA telling you what to do with it. If you've been waiting for a house that feels fresh, functional, and actually fun to live in, THIS is the one you need to see.

6528 Olde Ferry Landing, Harrison

Listing courtesy of EXP Realty, LLC.

Start Your Search

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.