St Elmo South Homes with Cash Terms

Welcome to St. Elmo South, a charming subdivision nestled in the heart of Chattanooga, Tennessee. This vibrant community is not just a place to live; it’s a lifestyle that embodies the spirit of Southern hospitality and modern convenience. St. Elmo South is known for its picturesque tree-lined streets, friendly neighbors, and a strong sense of community, making it the perfect place for families, young professionals, and retirees alike.

One of the standout features of St. Elmo South is its diverse range of homes, each exuding character and warmth. From cozy bungalows to spacious modern residences, there’s something for everyone here. The neighborhood is designed to foster a sense of belonging, with well-maintained parks and communal spaces where residents can gather, relax, and enjoy the beautiful Tennessee weather.

In addition to its inviting atmosphere, St. Elmo South offers unique financing options that make homeownership more accessible. Homes in this subdivision are available with cash terms, providing potential buyers with the flexibility and ease of a straightforward transaction. This option not only simplifies the buying process but also opens the door for those looking to invest in a home without the complexities of traditional financing.

Located just minutes away from downtown Chattanooga, residents of St. Elmo South enjoy easy access to a plethora of dining, shopping, and entertainment options. Whether you’re exploring the scenic Riverwalk, indulging in local cuisine, or enjoying the vibrant arts scene, there’s never a dull moment in this dynamic city.

Discover the charm of St. Elmo South, where community, comfort, and convenience come together to create the perfect place to call home!

Newest St Elmo South Homes with Cash Terms

$529,999

3 Beds ⋅ 3 Baths ⋅ 1543310 MLS

NEW CONSTRUCTION COMING TO ST. ELMO SOUTH! Get in early on Lot 17 and enjoy the opportunity to personalize select finishes while selections are still available. This thoughtfully designed 3-bedroom, 2.5-bath home offers 1,858 square feet with a first-floor office, open living, dining and kitchen area, plus a second-floor family room that provides valuable additional living space. The floor plan also includes a covered front porch, one-car garage and conveniently located second-floor laundry. Planned finishes and features include a dual-fuel range, tankless gas water heater, LVP flooring and tile in the bathrooms and laundry room. Located less than 10 minutes from downtown Chattanooga in St. Elmo South, with neighborhood amenities including sidewalks, a dog park, fire pit and mail kiosk. Secure your homesite early for the best opportunity to make select finish choices before construction progresses.

1336 Thomas Avenue, Chattanooga

Listing courtesy of Keller Williams Realty.

$499,000

3 Beds ⋅ 3 Baths ⋅ 1532636 MLS

This beautifully designed bungalow makes a statement from the moment you walk in. The open-concept great room features soaring vaulted ceilings, a gas fireplace, and seamless flow into the dining area and kitchen -- perfect for everyday living and entertaining. The main-level primary suite offers convenience and privacy, with the laundry room just steps away. A dedicated home office with pocket doors provides an ideal work-from-home space. Upstairs, an additional suite captures views toward Lookout Mountain. The third bedroom shares a full Jack-and-Jill bath and is complemented by a versatile loft -- perfect for a bonus room or second living area. Located in a welcoming community with shared amenities, residents enjoy access to a community fire pit and dog park - ideal for gathering with neighbors or enjoying time outdoors with pets. This location offers unbeatable proximity to Chattanooga landmarks and is conveniently located just 7 minutes to Chattanooga Christian School. You are just 2.3 miles from the Tennessee Riverwalk, 3.3 miles from Interstate-24, and 12 minutes from downtown Chattanooga. Enjoy immediate access to outdoor recreation at Glen Falls and Guild-Hardy Trailheads and shuttle or bike to St. Elmo's popular dining spots, including 1886 Grill, Little Coyote, and Mr. T's Pizza. If you're looking for new construction in St. Elmo with modern finishes, community amenities, and direct access to the best of Chattanooga, 1317 Thomas Avenue checks every box.

1317 Thomas Avenue, Chattanooga

Listing courtesy of Keller Williams Realty.

$399,000

3 Beds ⋅ 3 Baths ⋅ 1528905 MLS

New Construction in the heart of St. Elmo! Welcome to 1366 Thomas Avenue -- a thoughtfully designed home offering modern style, functional living, and low-maintenance convenience. Inside, you'll find an open floor plan perfect for everyday living and entertaining, highlighted by a cozy gas fireplace that anchors the main living space. The seamless flow between the kitchen, dining, and living areas creates a bright and inviting atmosphere. A one-car garage adds both storage and practicality. Located in a welcoming community with shared amenities, residents enjoy access to a community firepit and dog park -- ideal for gathering with neighbors or enjoying time outdoors with pets. You are just 2.3 miles from the Tennessee Riverwalk, 3.3 miles from Interstate-24, and 12 minutes from downtown Chattanooga. Enjoy immediate access to specific outdoor recreation at Glen Falls and Guild-Hardy Trailheads and shuttle or bike to St. Elmo's popular dining spots, including 1886 Grill, Little Coyote, and Mr. T's Pizza. If you're looking for new construction in St. Elmo with modern finishes, community amenities, and direct access to the best of Chattanooga, 1366 Thomas Avenue checks every box.

1366 Thomas Avenue, Chattanooga

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.