St Elmo South Homes with FHA Terms

Welcome to St. Elmo South, a charming subdivision nestled in the heart of Chattanooga, Tennessee, within the picturesque Hamilton County. This vibrant community is known for its friendly atmosphere, scenic views, and rich historical significance, making it an ideal place to call home.

St. Elmo South boasts a delightful mix of architectural styles, featuring beautifully maintained homes that reflect both modern and traditional designs. Whether you’re a first-time homebuyer or looking to settle down, you’ll find a variety of options that cater to diverse tastes and budgets. One of the standout features of this community is the availability of homes that qualify for FHA financing, making homeownership accessible to a broader range of buyers. With competitive interest rates and lower down payment requirements, FHA loans provide an excellent opportunity for those looking to invest in their future.

The neighborhood is conveniently located, offering easy access to downtown Chattanooga, where you can explore an array of dining, shopping, and entertainment options. Outdoor enthusiasts will appreciate the proximity to parks and recreational areas, perfect for weekend adventures and family outings.

St. Elmo South is more than just a subdivision; it’s a community where neighbors become friends, and families thrive. With its welcoming charm and convenient amenities, this area is poised to be the perfect backdrop for your next chapter. Discover the joys of life in St. Elmo South, where your dream home awaits!

Newest St Elmo South Homes with FHA Terms

$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.