Spencer Hills Homes with FHA Terms

Spencer Hills Homes with FHA Terms

Welcome to Spencer Hills, a charming subdivision nestled in the heart of Rossville, Georgia, within the picturesque Walker County. This vibrant community offers a perfect blend of suburban tranquility and modern conveniences, making it an ideal choice for families, retirees, and first-time homebuyers alike.

Spencer Hills is known for its friendly atmosphere and well-maintained homes, where residents enjoy a sense of belonging and community spirit. The subdivision features a variety of housing options, catering to diverse tastes and budgets. Whether you’re searching for a cozy starter home or a spacious family residence, you’ll find something that feels just right in Spencer Hills.

One of the standout features of this community is its accessibility to FHA financing. This means that many homes in Spencer Hills are eligible for Federal Housing Administration (FHA) loans, making it easier for buyers to secure affordable financing. With lower down payment requirements and flexible credit guidelines, FHA terms open the door to homeownership for many individuals and families, allowing you to invest in your future without breaking the bank.

Living in Spencer Hills also means enjoying the natural beauty of the surrounding area. Residents have easy access to nearby parks, recreational facilities, and scenic walking trails, perfect for outdoor enthusiasts and families looking to enjoy quality time together. Plus, with convenient access to local shopping, dining, and schools, everything you need is just a stone’s throw away.

Discover the charm of Spencer Hills today, where your dream home awaits!

Newest Spencer Hills Homes with FHA Terms

$249,900
3 Beds ⋅ 2 Baths ⋅ 10831412 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 eXp Realty.

$249,900
3 Beds ⋅ 2 Baths ⋅ 1541335 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.

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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.