St Elmo South Homes with Conventional Terms

Welcome to St. Elmo South, a charming subdivision nestled in the heart of Chattanooga, Tennessee. Known for its vibrant community spirit and picturesque landscapes, St. Elmo South offers a delightful blend of suburban tranquility and urban convenience. As you stroll through the tree-lined streets, you'll be captivated by the historic architecture and friendly neighbors who create an inviting atmosphere for families and individuals alike.

The homes in St. Elmo South are characterized by their unique designs and modern amenities, making them perfect for anyone seeking a comfortable and stylish living environment. With a variety of properties available, from quaint bungalows to spacious family homes, there’s something to suit every taste and budget. One of the standout features of this community is the availability of homes with conventional financing terms, making it easier for potential buyers to secure their dream home.

This subdivision is not just about beautiful homes; it’s also about lifestyle. Residents enjoy easy access to local parks, dining, and shopping options, as well as a strong sense of community. The nearby Lookout Mountain offers stunning views and outdoor recreational opportunities, while the vibrant downtown Chattanooga is just a short drive away, providing an array of cultural and entertainment options.

Whether you’re a first-time homebuyer, looking to upgrade, or seeking a peaceful retreat, St. Elmo South has it all. Discover the charm of this delightful subdivision and make it your new home today!

Newest St Elmo South Homes with Conventional 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.