Somerville Cottages Homes with FHA Terms

Somerville Cottages Homes with FHA Terms

Welcome to Somerville Cottages, a charming subdivision nestled in the heart of Chattanooga, Tennessee, within the picturesque Hamilton County. This delightful community is not just a place to live; it’s a lifestyle that combines the warmth of small-town charm with the conveniences of city living.

Somerville Cottages offers a selection of beautifully designed homes that cater to a variety of lifestyles and preferences. Each residence is thoughtfully crafted, featuring modern amenities and inviting layouts that make for comfortable living. With spacious interiors, cozy outdoor spaces, and a friendly neighborhood atmosphere, Somerville Cottages is perfect for families, young professionals, and retirees alike.

One of the standout features of homes in Somerville Cottages is the availability of FHA financing options. This means that first-time homebuyers and those looking to invest in property can take advantage of flexible financing terms, making homeownership more accessible than ever. With low down payment options and competitive interest rates, the path to owning a home in this serene community has never been easier.

Located just a short drive from downtown Chattanooga, residents of Somerville Cottages enjoy easy access to a wealth of amenities, including shopping, dining, and recreational activities. Explore the nearby parks, take a stroll along the scenic riverfront, or immerse yourself in the vibrant arts and culture scene that Chattanooga has to offer.

Discover the perfect blend of comfort, convenience, and community at Somerville Cottages—your dream home awaits!

Newest Somerville Cottages Homes with FHA Terms

$349,000
3 Beds ⋅ 3 Baths ⋅ 1538785 MLS
New price. New opportunity. At just $349,000, the final completed 3-bedroom home in Somerville Cottages delivers something that's becoming increasingly difficult to find--a brand-new detached home just minutes from downtown Chattanooga with three full bathrooms, a flexible floor plan, and room to live the way you want. While so much of today's new construction near downtown has shifted toward narrow three-story townhomes, this home offers a refreshing alternative. Thoughtfully designed with comfort and flexibility in mind, it features a spacious main-level bedroom and full bath that can easily serve as a primary suite, guest retreat, home office, or multigenerational living space. Upstairs, two additional bedrooms each enjoy access to their own full bathroom, creating privacy and convenience for family and guests. The open-concept living spaces are filled with natural light and designed for everyday life, with a seamless flow between the kitchen, dining, and living areas that makes entertaining feel effortless. An oversized front porch extends your living space outdoors and reflects the welcoming, front-porch lifestyle that makes Somerville Cottages unlike any other community in the area. Location only adds to the appeal. Just minutes from downtown Chattanooga, St. Elmo, the Tennessee Riverwalk, the South Broad District, shopping, dining, and outdoor recreation, you'll enjoy the convenience of being close to everything while coming home to a neighborhood intentionally designed around connection and walkability. With limited-time pricing of just $349,000, this is the final completed 3-bedroom opportunity in Somerville Cottages. If you've been waiting for a move-in ready new home that offers the privacy of detached living, the flexibility of three full bathrooms, and exceptional value in one of Chattanooga's fastest-growing areas, now is the time to see it for yourself.

5245 Abram Street, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$268,900
2 Beds ⋅ 3 Baths ⋅ 1538781 MLS
Some homes look good on paper. This is the kind of home that makes sense the moment you walk through the door. Thoughtfully designed, incredibly functional, and surprisingly spacious, this 2-bedroom, 2.5-bath home offers one of the most livable floor plans in Somerville Cottages--with two true bedroom suites, private bathrooms, flexible living space, and the kind of layout that adapts to the way you actually live. From the moment you enter, the difference is clear. High ceilings on both levels, abundant natural light, and a smart use of space create an open, comfortable feel throughout the home. The main level was designed for everyday living, with a beautifully finished kitchen that flows naturally into the living area--perfect for quiet mornings, casual dinners, or entertaining friends without feeling separated from the action. One of the standout features of this floor plan is the upstairs layout. Each bedroom offers its own private full bathroom, creating two true suites that provide incredible flexibility. Whether you need a private guest retreat, a dedicated home office space, a roommate-friendly layout, or simply appreciate having your own space, this design delivers options that many homes at this price point cannot. And the living space doesn't stop inside. The covered front and rear porches extend your home outdoors, giving you the perfect places to enjoy your morning coffee, unwind after a long day, or gather with friends. These are the details that turn a house into a home. Quality comes standard throughout with features buyers are looking for, including quartz countertops, luxury vinyl plank flooring, durable Hardie siding, modern finishes, and the confidence of new construction backed by a builder's warranty. No guessing what needs to be repaired, no unexpected projects waiting after move-in--just a beautiful, completed home ready for its next owner. Beyond your front door, Somerville Cottages offers something increasingly rare in new construction: a true neighborhood feel. Designed as a pocket community with charming cottage-style homes, welcoming front porches, shared green spaces, and a layout that encourages connection, it creates a sense of place that feels established from day one. Located just minutes from Main Street, St. Elmo, downtown Chattanooga, the South Broad District, the Riverwalk, and the new Lookouts Stadium, Somerville Cottages places you close to the best of Chattanooga while offering a neighborhood atmosphere that's hard to find. This is a floor plan that truly needs to be experienced in person to appreciate. The combination of thoughtful design, private bedroom suites, indoor and outdoor living spaces, and exceptional value makes this one of the most versatile homes available. Schedule your tour today and see why this plan stands out.

2981 Hodley Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$219,900
2 Beds ⋅ 2 Baths ⋅ 1538713 MLS
The hardest home to find in Chattanooga right now? A brand-new 2-bedroom home under $220,000. This is the rare opportunity to own a beautifully built, move-in-ready home with premium finishes, a builder's warranty, and the confidence that comes from knowing everything is new--all at a price point that is becoming nearly impossible to find. Today's buyers are tired of making impossible choices. Buy an older home and inherit years of wear and tear, aging systems, and expensive surprises. Buy a cheap flip and wonder what corners were cut. Or spend significantly more for new construction. This home changes that equation by offering the best of both worlds: modern construction, quality finishes, and true peace of mind without sacrificing affordability. From the moment you step inside, this home feels different. Soaring ceilings, oversized windows, and abundant natural light create a bright, open atmosphere that makes the home feel spacious and inviting. The thoughtfully designed floor plan provides the perfect balance of comfort and functionality, with an open-concept main level ideal for entertaining, relaxing, and everyday living. The kitchen is finished with the details buyers are searching for, including beautiful quartz countertops, modern cabinetry, and a stylish design that feels far beyond this price point. Luxury vinyl plank flooring runs throughout the home, offering the perfect combination of durability, easy maintenance, and timeless appeal. Every feature was selected with both quality and long-term value in mind. Upstairs, you'll find two comfortable bedrooms and a beautifully finished full bathroom designed to provide a private retreat at the end of the day. Outside, the welcoming front porch creates the perfect spot for morning coffee, evening conversations, or simply enjoying the neighborhood. The value continues with durable Hardie siding, quality construction, and the protection of a builder's warranty. Instead of spending your first year in a home fixing problems, you can spend it enjoying your new home with confidence. But this opportunity is about more than just the home itself. Somerville Cottages was thoughtfully designed around a sense of connection and community, featuring charming cottage-style homes, inviting front porches, shared green spaces, and a neighborhood layout that encourages neighbors to actually know each other. Inspired by the character and charm of traditional cottage communities, it offers a refreshing alternative to typical new construction developments where homes feel disconnected and impersonal. Located near South Chattanooga, Somerville Cottages places you just minutes from downtown Chattanooga, St. Elmo, Main Street, Broad Street, Publix, the Riverwalk, and the new Erlanger Stadium. Enjoy the convenience of being close to everything Chattanooga has to offer while living in a neighborhood designed for a simpler, more connected lifestyle. At $219,900, this is more than an affordable home--it is an opportunity that rarely exists in today's market. A brand-new 2-bedroom home with premium finishes, modern design, a builder's warranty, and a community unlike anything else in Chattanooga is the kind of value buyers search for but rarely find. Don't miss your chance to make this one yours.

3712 Abraham Street, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$179,900
1 Beds ⋅ 1 Baths ⋅ 1538710 MLS
Brand-new. Move-in ready. Under $180,000. It sounds impossible in today's market, but it's here. At just $179,900, this is the lowest-priced new construction home currently available in Chattanooga, delivering a level of quality and value that's nearly impossible to find. While buyers continue to compete over aging homes, outdated renovations, and flipped properties with unknown histories, this home offers something entirely different--a fresh start with everything brand new, a builder's warranty, and the confidence that comes from knowing you won't be inheriting someone else's deferred maintenance or unexpected repair bills. Why gamble on an older home when you can enjoy the peace of mind that only new construction provides? No wondering when the roof will need replacing. No surprise HVAC failures in the middle of summer. No outdated plumbing or electrical. No expensive appliance replacements just months after moving in. Instead, enjoy the confidence of owning a brand-new home backed by a builder's warranty, allowing you to spend your money making memories instead of making repairs. And don't mistake this price for a builder cutting corners. This home is loaded with upgrades, including durable Hardie siding, quartz countertops, luxury vinyl plank flooring throughout, soaring 9-foot ceilings, abundant natural light, and a thoughtfully designed floor plan that lives larger than its footprint. Every finish was selected with quality, style, and long-term value in mind. Located in the growing Somerville Cottages community, you're just minutes from downtown Chattanooga, St. Elmo, Main Street, Broad Street, Publix, the Riverwalk, and the new Erlanger Stadium. It's a chance to own a brand-new home in an exciting location without stretching your budget. Finding a completed new construction home at this price is exceptionally rare, and once this opportunity is gone, there's no guarantee another will come along. If you've been waiting for an affordable home without sacrificing quality, this is the one you've been hoping to find.

2605 Hodley Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$465,000
4 Beds ⋅ 4 Baths ⋅ 1536103 MLS
Live in one side. Lease the other. Rent both. However you choose to use it, this brand-new duplex creates opportunities that are increasingly rare in today's market. Located in the growing Somerville Cottages community in South Chattanooga, this newly constructed two-unit townhome offers multiple ways to generate income, reduce housing costs, and build equity. Owner-occupants can offset their mortgage by leasing one side while enjoying the benefits of homeownership. Investors can add a turnkey asset to their portfolio in an area experiencing significant growth and strong rental demand. The flexible layout also creates opportunities for multi-generational living, roommates, or shared ownership arrangements. What truly sets this property apart is the combination of income potential and peace of mind. Unlike older duplexes that often require immediate repairs, ongoing maintenance, or costly capital improvements, this property is brand new and backed by a 1/2/10 builder's warranty. That means predictable ownership costs, reduced maintenance concerns, and the ability to focus on maximizing the property's potential rather than budgeting for unexpected expenses. Each unit is thoughtfully finished with quartz countertops, a complete appliance package, luxury vinyl plank flooring throughout, high ceilings, and modern design selections that appeal to today's renters and homeowners alike. Durable materials, efficient floor plans, and cohesive finishes help support long-term rental appeal while minimizing upkeep. South Chattanooga continues to see substantial investment and development, attracting both residents and investors seeking proximity to the city's most popular destinations. Located just minutes from Downtown Chattanooga, Main Street, St. Elmo, Broad Street, Publix, and the new stadium district, this location offers the accessibility, convenience, and lifestyle amenities that help drive consistent housing demand. Brand-new construction duplexes under $500,000 are becoming increasingly difficult to find, particularly in areas positioned for continued growth. Whether you're looking to house hack, expand your investment portfolio, or secure a low-maintenance income-producing property, this is a rare opportunity to own a versatile asset in one of Chattanooga's most promising markets.

3605/3609 Hodley Avenue, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

$192,500
1 Beds ⋅ 1 Baths ⋅ 1535961 MLS
A rare opportunity has arrived to own a brand-new detached home in one of Chattanooga's most exciting new communities for just $192,500. Construction has just begun on this thoughtfully designed home in Somerville Cottages, creating a unique opportunity for buyers to get in early and make it their own. With an estimated completion timeline of approximately four months, there is still time to select colors, finishes, and personal touches that will help transform this new construction home into your home. In a market where brand-new detached homes at this price point are nearly impossible to find, opportunities like this are exceptionally rare. Not only is this a brand-new home, but it also offers something existing homes simply cannot: the peace of mind that comes with new construction. No aging roof to replace. No surprise HVAC expenses. No deferred maintenance projects waiting around the corner. Just the confidence of owning a new home backed by a builder warranty and designed for years of worry-free living. Every home in Somerville Cottages is thoughtfully crafted with modern design and quality finishes, including quartz countertops, 9-foot ceilings, abundant natural light, and open-concept floor plans that maximize both comfort and functionality. Whether you're a first-time buyer, downsizing, or simply looking for exceptional value in a growing area of Chattanooga, this home presents an opportunity that is becoming nearly impossible to find in Chattanooga. The ability to purchase during construction and personalize selections only adds to the appeal. Located in rapidly growing South Chattanooga, residents enjoy convenient access to downtown, Main Street, St. Elmo, Broad Street, Publix, the Riverwalk, and the new Erlanger Stadium. Restaurants, shopping, outdoor recreation, and some of the city's most exciting developments are all just minutes away. The demand for new construction at this price point continues to be incredibly strong. In fact, the neighboring home went under contract in less than three days. If you've been waiting for an opportunity to own a brand-new detached home with modern finishes, builder-backed peace of mind, and the ability to personalize your selections, this is one you won't want to miss.

3621 Hodley Avenue 15, Chattanooga

Listing courtesy of Rogue Real Estate Company llc.

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