Spencer Hills Homes with USDA Loan Terms

Welcome to Spencer Hills, a delightful subdivision nestled in the charming city of Rossville, Georgia. This inviting community offers a perfect blend of suburban tranquility and modern convenience, making it an ideal place for families, professionals, and retirees alike. With its picturesque streets lined with well-maintained homes, Spencer Hills exudes a warm and welcoming atmosphere that residents are proud to call home.

One of the standout features of Spencer Hills is the availability of homes that qualify for USDA loan terms. This means that you can explore financing options with no down payment, making homeownership more accessible than ever. The USDA loan program is designed to support families and individuals looking to settle in rural areas, and Spencer Hills fits the bill beautifully. With its serene surroundings and community spirit, you’ll find the perfect backdrop for creating lasting memories.

Living in Spencer Hills means you’re just a short drive away from the vibrant amenities of Rossville, including shopping, dining, and recreational activities. Enjoy the nearby parks and outdoor spaces, perfect for leisurely strolls or family picnics. The community is also conveniently located near major highways, providing easy access to neighboring cities and attractions.

Whether you’re a first-time homebuyer or looking to relocate, Spencer Hills offers an array of beautiful homes that cater to various lifestyles and budgets. With the added benefit of USDA loan terms, your dream of homeownership is closer than ever. Come and discover the charm of Spencer Hills today—your new home awaits!

Newest Spencer Hills Homes with USDA Loan Terms

$244,900

3 Beds ⋅ 2 Baths ⋅ 10838502 MLS

Completely renovated, move-in ready and minutes from some of the best things Chattanooga and North Georgia have to offer, 711 W. James Ave. gives you a whole lot to love at an approachable price point. This 3 bedroom, 2 bathroom home offers 1,584 square feet, all on one level with only a couple of steps into the home. The split bedroom floor plan gives the primary suite its own space, while the additional bedrooms and bath are located separately. There's plenty of room to spread out with a living room, dining area and kitchen plus an additional family room that gives you that extra living space everyone seems to need. You'll also find plenty of closets and storage throughout. New flooring, an updated kitchen and bathrooms, updated lighting and a beautiful back deck overlooking the large, level fenced yard complete the interior and outdoor spaces. A newer roof, vinyl siding, windows and HVAC mean many of the big-ticket items have already been taken care of too. And let's talk about location. You're only 1 minute from a local grocery shop, just a couple of minutes from Food City and Be Caffeinated, and less than 10 minutes from Fort Oglethorpe and the Battlefield Parkway shopping and dining corridor. If you love being outside, you're less than 10 minutes from miles of hiking and outdoor recreation at Chickamauga Battlefield, with Lookout Mountain trails and attractions just minutes beyond. In around 15 minutes, you can be in Downtown Chattanooga enjoying the Tennessee Aquarium and riverfront, Chattanooga Zoo, Ruby Falls, the Incline Railway and other area attractions, with Rock City also nearby. Whether you're buying your first home, downsizing, or simply looking for a beautifully updated home with plenty of space without a long list of projects waiting for you, this one is ready for you to come make it yours. OWNER/AGENT

711 W James Avenue, Rossville

Listing courtesy of Keller Williams Realty.

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.