Chattanooga Homes with Owner May Carry Financing available

Chattanooga Homes with Owner May Carry Financing available

Welcome to Chattanooga, Tennessee – a vibrant city nestled in the foothills of the Appalachian Mountains, where Southern charm meets modern living! Known for its stunning natural beauty and rich history, Chattanooga has become a sought-after destination for those looking to call it home. With the Tennessee River winding through the city and breathtaking views from Lookout Mountain, outdoor enthusiasts and urban dwellers alike will find plenty to love.

Chattanooga is not just about picturesque landscapes; it boasts a thriving arts scene, a diverse culinary landscape, and a strong sense of community. From the bustling Riverfront District to the historic downtown, residents can enjoy a plethora of shops, restaurants, and cultural attractions. The city is also home to several parks and recreational areas, making it an ideal place for families and individuals who appreciate an active lifestyle.

For those considering a move to this charming city, there are fantastic opportunities in the real estate market. One notable option is the availability of homes with owner may carry financing. This flexible financing option can make it easier for potential buyers to secure their dream home without the complexities of traditional lending. Whether you’re looking for a cozy bungalow or a spacious family home, Chattanooga offers a diverse range of properties to suit every taste and budget.

Embrace the warmth of Chattanooga living, where your dream home awaits amidst a backdrop of stunning scenery and a welcoming community. Explore the possibilities today and discover why so many are choosing to make this enchanting city their forever home!

Newest Chattanooga Homes with Owner May Carry Financing available

3336 Parker Lane, Chattanooga
$295,000
3 Beds ⋅ 3 Baths ⋅ 1544681 MLS
Welcome to this NEWLY REMODELED 3-bedroom, 3-bath home nestled in the scenic Lookout Valley area, surrounded by breathtaking mountain views. Thoughtfully updated throughout, the home features new stainless steel appliances and a modern layout ideal for today's lifestyle. The primary suite is conveniently located on the main level and includes a private ensuite bathroom. One additional bedroom and a full bath are also located on the first floor, offering flexible living options for guests, family, or work-from-home needs. The kitchen opens directly to a deck--perfect for entertaining, outdoor dining, or simply enjoying the peaceful surroundings. Upstairs, you'll find a third bedroom with its own full bathroom, along with a spacious loft. Additionally, the home offers a large storage space beneath the house--ideal for tools, outdoor gear, seasonal items, or hobby storage. Enjoy the tranquility of mountain living while being just 10 minutes from downtown Chattanooga, with quick and easy access to I-24. This home offers the perfect blend of comfort, convenience, and natural beauty. Owner financing is available with flexible terms, contact the listing agent for more details. *Listing agent has personal interest in property*

3336 Parker Lane, Chattanooga
1811 Taylor Street, Chattanooga
$259,000
3 Beds ⋅ 3 Baths ⋅ 1544584 MLS
NEW CONSTRUCTION! Welcome to 1811 Taylor St., Chattanooga, TN -- a beautifully designed new 3 bedroom, 2.5 bath modern home located in one of Chattanooga's fastest-growing areas with new construction and revitalization happening all around. THIS HOME HAS IT ALL! Open floorplan on main level large island, bay windows, 72'' fireplace, large covered deck with large private back yard. The primary features a vaulted ceiling with large fireplace, bay windows, and a large pantry and kitchen! This thoughtfully designed home features a bright open floor plan perfect for both everyday living and entertaining. The spacious living area is anchored by a stunning 72-inch modern fireplace, creating a dramatic focal point and a warm, inviting atmosphere. Large windows allow natural light to fill the space, seamlessly connecting the living room, dining area, and kitchen. The modern kitchen flows effortlessly into the main living space, making it ideal for gatherings with family and friends. Upstairs you'll find a well-designed layout with three comfortable bedrooms, including a private primary suite with en-suite bath, along with two additional bedrooms and a full bathroom. A convenient half bath on the main level is perfect for guests. Situated in an area experiencing significant growth, this home offers both modern style and strong long-term value. Location Highlights 1811 Taylor St. offers excellent proximity to many of Chattanooga's most popular destinations: Outdoor lovers will appreciate being minutes from Lookout Mountain hiking trails, parks, and outdoor recreation, while still enjoying easy access to the heart of downtown Chattanooga.

1811 Taylor Street, Chattanooga
910 S Highland Park Avenue, Chattanooga
$295,500
3 Beds ⋅ 2 Baths ⋅ 1544545 MLS
This charming Home is on a corner lot, has 3 bedrooms 2 full bathrooms, with wood burning fireplace and added sunroom. Has a Dining area and large kitchen with lots of windows for natural light. Pantry off kitchen as well as Laundry room. The master suite has recently been remodeled. Has Walk in shower. This home comes with a large Bonus 600sf Building, that has been partially remodeled. That can be used for many things. Ideas include apartment to rent out, garage storage, wood workshop, a Music studio, any small business like a hair salon, nail studio, food station. The possibilities are endless with this added space. There is parking up front by this building and at the rear of the house. Sold as is! Some repairs may be needed.

910 S Highland Park Avenue, Chattanooga
3219 Ozark Circle, Chattanooga
$395,000
2 Beds ⋅ 2 Baths ⋅ 1544366 MLS
Located in Stuart Heights just minutes from abundant downtown activities, hospitals, and UTC, this distinctive 1958 mid-century rancher sits on a double lot of approx 1.6 acres, offering privacy, wooded views, and timeless character. The blonde brick exterior, signature red front door, and original Sunburst doorknob capture the home's vintage appeal. A front-entry two-car garage and a second driveway leading to the basement provide convenience and exciting possibilities for multi-generational living. Inside, the light-filled living and dining area features original hardwood floors, a retro brick planter, and a striking modern spiral staircase. The kitchen blends vintage style with modern updates, showcasing original Youngstown steel cabinetry, granite countertops, tile backsplash, updated flooring, and a newer stove. The primary suite features an expanded bathroom with a double-sink vanity and zero-entry tiled shower within a wet-room design. The updated guest bath offers refreshed tile and finishes, while the former third bedroom now serves as a versatile den or office. Original hardwood floors remain throughout the living area and bedrooms, preserving the home's authentic mid-century charm. The oversized garage provides ample parking, storage, workshop and laundry space. Outside, a spacious terrace framed by a beautiful stone wall is perfect for gardening or entertaining. The partially finished basement includes a full bathroom, office area, and multiple exterior access points. Two wooden decks and the separate lower-level driveway offer additional flexibility for extended living or a potential separate living space. Improvements include updated windows, gutters, and electrical work, partial basement finishing, a new garage door, new exterior garage door, fresh paint, a new deck, and a fully fenced backyard with oversized gates for lawn care access. Mid-century charm, 1.6 acres of privacy, and endless possibilities in sought-after Stuart Heights can be yours!

3219 Ozark Circle, Chattanooga
251-303 Riverside Avenue, Chattanooga
$999,000
1544330 MLS
Rare North Shore development opportunity! This unique assemblage includes 16 contiguous lots at 251-303 Riverside Avenue in Chattanooga, totaling approximately 1.62 acres with an impressive 1,112 feet of road frontage. The combined acreage and extensive road frontage offer an exciting opportunity for developers, investors, and visionary buyers to explore the potential of a larger-scale redevelopment project in an established urban location. Currently zoned TRN-3, the property offers an opportunity to explore potential commercial rezoning, subject to applicable approvals. A preliminary residential site plan has already been prepared and is available for review, providing a valuable starting point for evaluating development concepts and future possibilities. Enjoy the close proximity to some of Chattanooga's most desirable shopping, dining, and outdoor destinations. Less than 5 minutes from Whole Foods Market and Publix, the property is also conveniently located near Frazier Avenue and North Market Street, known for boutique shopping and amazing locally curated restaurants. Coolidge Park, with its scenic riverside walking paths and outdoor recreation, is also less than 5 minutes away. Nearby Stringers Ridge offers hiking and biking trails, adding to the area's appeal for outdoor enthusiasts. With its strategic North Shore location, substantial contiguous acreage, and extensive road frontage, this property presents a distinctive opportunity to explore future development possibilities. Preliminary site plan available upon request. Buyers to independently verify zoning, permitted uses, rezoning feasibility, development requirements, utilities, and all property information with the appropriate authorities.

251-303 Riverside Avenue, Chattanooga
2025 Haven Crest Drive, Chattanooga
$539,000
5 Beds ⋅ 3 Baths ⋅ 1544182 MLS
RIDGE VIEWS • MULTI-GENERATIONAL LIVING • COMPLETELY REMODELED • OWNER FINANCING AVAILABLE Rare opportunity in 37421! FIRST SHOWINGS ARE 10/13/2026 DUE TO CLEAN UP BUT COME DRIVEBY!! This home has been completely transformed from top to bottom with nearly 3,000 sq ft of flexible living space and a beautiful ridge setting offering seasonal mountain and Chattanooga-area views that only get better as the leaves fall! Perfect for multi-generational living, featuring TWO living areas, TWO kitchens and walk-out access from BOTH levels, plus two driveways, a carport and newly created garage. The previous tenant utilized additional rooms as Bedrooms 4-6, providing tremendous flexibility for family, guests, offices or separate living arrangements. NEW ROOF • NEW WINDOWS • NEW FLOORS • NEW PAINT • UPDATED BATHROOMS • UPDATED KITCHENS • NEW GARAGE DOOR -- this home has been extensively remodeled throughout. A portion of the former carport was enclosed and remodeled into finished living space. Buyer to verify square footage, room dimensions and intended room usage. FINANCING INCENTIVE: Per Seller, Seller is offering up to 2% toward buyer discount points/rate buydown at the original 10/7/2026 listing price when financing through Seller's preferred lender, HomeRate Mortgage, East Brainerd Road. Actual rates, terms, eligibility and costs vary. Visit 423ApplyNow.com for details. NMLS #2239. Owner financing also available to qualified buyers with an acceptable down payment. Two levels. Two kitchens. Two living spaces. Two driveways. One incredible opportunity -- with a view you simply can't remodel into another house.

2025 Haven Crest Drive, Chattanooga
408 Tremont Street, Chattanooga
$625,000
3 Beds ⋅ 2 Baths ⋅ 1544175 MLS
Adorable Updated Bungalow with a Large Yard in the Heart of North Chattanooga! Ideally located on desirable Tremont Street, this charming 3-bedroom, 2-bath home offers a rare combination of character, updates, and a spacious yard in one of Chattanooga's most sought-after neighborhoods. Just steps from Frazier Avenue and all that NorthShore and Downtown Chattanooga have to offer, the location is hard to beat. Inside, you'll find a thoughtfully renovated home with quality updates throughout. The kitchen was completely renovated, along with the primary bathroom and spacious primary walk-in closet. The inviting primary suite also offers convenient access to the screened-in back porch, creating a wonderful private retreat. The 2018 renovation included the kitchen, primary bath, walk-in closet, siding, HVAC system, and a mini-split in the primary suite. Additional improvements include a screened-in porch, roof, exterior paint, and built-in shelving. The crawl space was also encapsulated several years ago. One of the standout features of this property is the large, spacious yard--a rare find in North Chattanooga, where many surrounding lots have been subdivided. There is plenty of room to garden, entertain, play, or simply enjoy your own outdoor space.

408 Tremont Street, Chattanooga
1622 Waterhouse Street, Chattanooga
$159,999
3 Beds ⋅ 2 Baths ⋅ 1544035 MLS
RARE INVESTMENT OPPORTUNITY -- SELLER ACCEPTING ALL OFFERS NOW! Bring your vision and take advantage of an opportunity to purchase a home well below online estimated values. Zillow currently estimates the property at approximately $246,400, while another automated valuation reflects approximately $250,000. Property is priced to reflect its current condition and needed repairs. The home sits on a large, level, fenced yard in a super-convenient location just minutes from I-75, shopping and restaurants. Features include an attached carport, large covered front porch, screened back porch, open floor plan and wood-burning fireplace. The property needs renovation before it reaches its full potential. Seller has obtained an approximately $45,000 contractor quote from Eric Walters Construction to complete identified work, including: • Ceiling repairs in three rooms • Electrical work in the kitchen and main living room • New flooring throughout • Interior painting throughout • Kitchen renovation/upgrades • Light exterior cleanup and improvements The property is currently occupied, and the occupants are preparing to relocate out of town. Seller is motivated, ready to move and considering ALL OFFERS NOW. Qualified buyers may also be eligible for a 1% incentive when financing through preferred lender HomeRate Mortgage, subject to lender guidelines, loan qualification and applicable program terms. Investor, renovation or value-add opportunity -- bring your offer! Contact the listing Realtor for property details, contractor information, showing instructions and financing options. Buyer to verify square footage, school zones, property condition, repair estimates and all information deemed important to the purchase.

1622 Waterhouse Street, Chattanooga
863 Flynn Street Apt 204, Chattanooga
$290,000
2 Beds ⋅ 2 Baths ⋅ 1543884 MLS
This modern two bedroom condo puts downtown Chattanooga right at your doorstep in this spacious two-bedroom unit-- a convenient walk to UTC and all the shops, restaurants, and gathering spots along MLK Blvd! Whether you're looking for a place to call home or a solid low maintenance rental investment, this unit with two private bedroom suites offers a flexible layout for roommates or guests. Nine-foot ceilings and hardwood flooring create an inviting, open living and dining area, complemented by a kitchen with granite countertops, stainless steel appliances, abundant cabinetry, and bar-top seating. The primary suite features a spacious walk-in closet leading to its private full bath, while sliding glass doors open the living room to a covered deck. Add to this an in-unit stackable washer and dryer, reserved off-street parking, and secure building access for everyday convenience. Pets are allowed, and the unit is eligible for FHA financing--an appealing opportunity to enjoy downtown living close to campus, dining, and entertainment.

863 Flynn Street Apt 204, Chattanooga
18 E Th Street, Chattanooga
$249,000
1543624 MLS
Great opportunity for developers and investors to acquire approximately 0.53 acres of contiguous, wooded residential land in Chattanooga's Highland Park area. This unique offering includes Lots 4, 5, and 6, consisting of three contiguous parcels with frontage on both E 19th St and 18th St: 156G E 004 (Lot 6), 156G E 005 (Lot 5), and 156G E 006 (Lot 4). The parcels are being offered together as one package and are zoned RN-2, allowing for a variety of residential development possibilities, including single-unit detached, single-unit attached, duplex, and townhouse development. With multiple permitted housing types, this property offers an exceptional opportunity for builders and developers seeking infill residential development in Chattanooga. Conveniently located near Dodds Ave, E Main St, Interstate 24, downtown Chattanooga, and surrounding neighborhoods, this property combines convenient access with the potential to create a unique residential community in an established area.

18 E Th Street, Chattanooga
4325 Greenbriar Road, Chattanooga
$153,900
2 Beds ⋅ 1 Baths ⋅ 1543586 MLS
Welcome to 4325 Greenbriar Rd, a move-in-ready 2-bedroom, 1-bath home on a quiet, established street in East Ridge. The home has been thoroughly updated, so there's nothing left to do but unpack. It has a new roof, new windows, new flooring, and fresh finishes throughout, plus a completely renovated bathroom with a clean, modern look. The layout is bright and easy to live in, and the big-ticket items are already done. That makes it a good fit for a first-time buyer, a downsizer, or an investor who wants a turnkey property. It's in a peaceful neighborhood with easy access to shopping, dining, and the rest of the Chattanooga area. Schedule your showing today!

4325 Greenbriar Road, Chattanooga
8038 Rosemere Way, Chattanooga
$669,900
5 Beds ⋅ 4 Baths ⋅ 1543573 MLS
Set in the sought-after Rosemere neighborhood, 8038 Rosemere Way is a meticulously maintained home offering a beautiful balance of space, comfort, and a lifestyle designed for both relaxed everyday living and effortless entertaining. The care this home has received is evident throughout, creating a property that feels polished, welcoming, and truly move-in ready. With approximately 3,400 square feet, 5 bedrooms, and 3.5 bathrooms, the home offers plenty of room to spread out while still feeling warm and inviting. A thoughtfully designed floor plan provides flexibility for guests, home offices, hobbies, or simply having a little extra space to call your own. Two Jack-and-Jill bathroom arrangements add convenience and privacy to the bedroom layout. Outside, the fenced backyard creates an inviting extension of the home--perfect for entertaining, evenings outdoors, pets, play, or simply enjoying your own private space. Whether hosting friends or unwinding at the end of the day, this is a backyard designed to be enjoyed. A 3-car garage provides generous parking and storage, while features including a tankless water heater and central vacuum system add everyday convenience. Two newer HVAC systems, installed in 2024 and 2026, along with crawlspace encapsulation and gutter guards, provide additional peace of mind. Spacious, versatile, and tucked into one of the area's most desirable established neighborhoods, 8038 Rosemere Way offers more than just square footage--it offers the space to truly live, gather, entertain, and feel at home.

8038 Rosemere Way, Chattanooga
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