Sale Creek Homes with FHA Financing available

Sale Creek Homes with FHA Financing available

Welcome to Sale Creek, Tennessee – a hidden gem nestled within the picturesque landscapes of Hamilton County. This charming community is situated just a short drive from the vibrant city of Chattanooga, offering residents the perfect blend of serene country living and easy access to urban amenities. Sale Creek is known for its friendly atmosphere, stunning natural beauty, and a strong sense of community, making it an ideal place for families, retirees, and anyone seeking a peaceful lifestyle.

The heart of Sale Creek is its rich outdoor offerings. With the stunning Chickamauga Lake nearby, residents can enjoy a variety of recreational activities, from fishing and boating to hiking and picnicking. The area is also home to several parks and trails, providing ample opportunities for outdoor enthusiasts to explore the breathtaking scenery.

For those interested in homeownership, Sale Creek presents an exciting opportunity, especially with the availability of FHA financing. This financing option is designed to make home buying more accessible, allowing first-time buyers and those with lower credit scores to secure a mortgage with lower down payment requirements. With a range of beautiful homes available, from cozy cottages to more spacious family residences, Sale Creek is a fantastic place to find your dream home.

As you explore Sale Creek, you’ll discover not just a place to live, but a community to thrive in. With its welcoming spirit, stunning surroundings, and affordable housing options, Sale Creek is truly a place where you can put down roots and create lasting memories. Come and experience the charm of Sale Creek for yourself!

Newest Sale Creek Homes with FHA Financing available

$324,900
3 Beds ⋅ 1 Baths ⋅ 1539512 MLS
Welcome home to small-town living at its best! This adorable and comfortable property sits on over 3 acres, offering plenty of space to roam while keeping everything you need close by. Perfect for first-time buyers or anyone seeking peaceful country charm with modern convenience. Enjoy the quiet surroundings, cozy atmosphere, and the simple beauty of life in a friendly community. The property is fenced for horses and includes a barn with three stalls and a tack room--ideal for equestrian enthusiasts--as well as a chicken coop that stays, adding both charm and practicality to this country retreat.

123 Leggett Road, Sale Creek
$289,999
4 Beds ⋅ 2 Baths ⋅ 1538428 MLS
Welcome home to this beautifully maintained 4-bedroom, 2-bath retreat nestled in the heart of Sale Creek, where small-town living and natural beauty come together just a short drive north of Chattanooga. Set on 3/4 acre of level, usable land, this home offers the space, privacy, and easy pace of life that make this community so special. Step inside to an open, light-filled floor plan built for everyday living and easy entertaining. The spacious living area flows into a well-appointed kitchen with ample cabinetry, generous counter space, and room for the whole family to gather. Four comfortable bedrooms give everyone their own space, while the primary suite offers a private bath and a peaceful place to unwind at the end of the day. Outside is where this property really shines. Enjoy morning coffee on the deck, plenty of room for a garden, and the kind of wide-open sky you just don't get in the city. With the Tennessee River, Chickamauga Lake, and countless outdoor adventures right around the corner, weekends here are made for boating, fishing, and getting outside. You're minutes from local schools, churches, and everyday conveniences, with an easy commute down US-27 to Soddy-Daisy and Chattanooga when you need it. Homes with this much space and this much heart don't come along often in Sale Creek. Come see it for yourself! Sellers offering a sellers concession of $5k towards the buyers closing costs or rate buy down

16450 May Road, Sale Creek
$355,000
4 Beds ⋅ 3 Baths ⋅ 1537837 MLS
Enjoy your Private, charming haven, nestled on a beautiful one-acre lot in North Hamilton County, this well-loved home offers the perfect balance of peaceful country living and everyday convenience. Just minutes from Chickamauga Lake and an easy commute to Chattanooga, you'll enjoy privacy without sacrificing accessibility. Inside, you'll find 4 spacious bedrooms, 3 full baths, and updated durable LVP flooring that complements the warm, inviting atmosphere. Oak cabinets and a large walk in pantry offer boasts a perfect setting for the most discriminating chef. Fresh and clean interior, and a cozy fireplace and den off the primary bedroom creates the perfect resting place on cool evenings. Step outside to the expansive covered front porch, where morning coffee and quiet evenings become part of your daily routine. The fenced yard offers plenty of room for children and pets to play, surrounded by mature trees that provide a peaceful sense of seclusion, yet less than a mile from Highway 27. One of the property's standout features is the detached storage building, which offers incredible potential to become a charming Accessory Dwelling Unit (ADU), guest cottage, home office, studio, or workshop. An RV electrical hookup adds even more versatility for yourself or visitors. Lovingly maintained and full of possibilities, this property is ideal for anyone looking for space, privacy, and convenience in one exceptional package. Come see for yourself why this North Hamilton County gem feels like home.

602 Patterson Road, Sale Creek
$349,900
3 Beds ⋅ 3 Baths ⋅ 1537494 MLS
Nestled on 1.8 level acres in Sale Creek, this spacious home offers 3 bedrooms, 3 full bathrooms, and a versatile flex space that could serve as a home office, playroom, guest room, or hobby space. With numerous recent updates already completed, this property provides the perfect combination of comfort, functionality, and room to grow. The kitchen features updated countertops and a convenient pot filler, making meal preparation a breeze. Throughout the home, you'll find new flooring, updated plumbing, new water lines, new windows, and new siding. Major mechanical improvements include a newer roof, tankless gas water heater, new HVAC condenser and evaporator coil, and new ductwork for added efficiency and peace of mind. Outside, enjoy 1.8 acres of flat, usable land with a new fence and new septic field lines already in place. The property also offers access to a creek, providing a peaceful natural setting and an ideal spot to explore, relax, or enjoy the outdoors right from your own backyard. Whether you're looking for space to entertain, room for animals, gardening opportunities, or simply a peaceful country setting, this property offers endless possibilities. Don't miss your opportunity to own a home with extensive updates, flexible living space, and beautiful level acreage. Schedule your private showing today!

311 Leggett Road, Sale Creek
$799,000
3 Beds ⋅ 2 Baths ⋅ 1534835 MLS
Custom-built waterfront retreat on nearly 2 private acres overlooking Chickamauga Lake in beautiful Sale Creek, TN. Built just two years ago, this thoughtfully designed barndominium-style home blends timeless craftsmanship, efficiency, accessibility, and modern luxury into one truly unique property. The home offers approximately 1,920 sq ft of finished living space with soaring 10-foot and vaulted tongue & groove wood ceilings, a split-bedroom layout, and an incredible open living/dining/kitchen concept designed for gathering and entertaining. The great room is anchored by a stunning pebble-clad gas fireplace with custom mahogany built-ins and opens seamlessly into the oversized kitchen featuring beautiful white cabinetry, quartzite countertops, stainless appliances, abundant storage, and a massive island with generous prep and seating space. The oversized primary suite feels like a private retreat featuring two large walk-in closets, a soaking tub with custom tile surround, and an impressive tiled roll-in shower. Two additional bedrooms are located on the opposite side of the home, one currently functioning beautifully as a home office with custom built-ins. Additional interior features include custom concrete floors throughout, a large laundry room with cabinetry and utility sink, high-speed CAT5 wiring throughout the home and covered lanai, natural gas availability, and universal accessibility design including 36-inch doorways and zero-step entry. The exterior was designed for low-maintenance living with 6-inch exterior walls, a high-efficiency monolithic slab foundation, and lifetime standing-seam metal roof and siding. Outdoor living is exceptional with approximately 660 sq ft of covered porches including a full-length rear lanai already setup for a future outdoor kitchen/grilling area with hot/cold water, electric, CAT5, and natural gas access. The custom timber table on the back porch conveys with the home. The oversized 720 sq ft attached 2-car garage includes a rear exterior door and additional storage space. Additional upgrades include a Generac 200A interface, separate RV/EV service pedestal with its own meter base, and the property offers multiple potential building sites for a future shop, detached garage, or ADU. Enjoy privacy, lake frontage, beautiful lake views, and peaceful surroundings while still being convenient to Chattanooga, Cleveland, and Ooltewah. Seller is open to selling the home furnished for a truly turnkey opportunity.

15025 May Road, Sale Creek
$249,950
3 Beds ⋅ 1 Baths ⋅ 1534623 MLS
***For Sales As Is*** All reasonable offers considered. Nestled in the serene surroundings of Sale Creek, TN, this cozy 3-bedroom, 1-bath farmhouse offers the perfect blend of charm and peaceful living. Situated on just under an acre, the property provides a quiet retreat with plenty of space to enjoy the outdoors. Inside, you'll find an abundance of natural light that fills the home, creating a warm and inviting atmosphere. The spacious bedrooms offer comfort and flexibility, while the classic farmhouse feel adds to the home's character and appeal. Step outside to enjoy your own garden space--ideal for relaxing, growing your favorite plants, or simply taking in the tranquil setting. Located just minutes from the Sale Creek Recreation Area and Sale Creek Marina, you'll have easy access to outdoor activities like boating, fishing, and hiking. Whether you're looking for a peaceful primary residence or a weekend getaway, this charming farmhouse delivers a slice of country living in a beautiful East Tennessee setting.

15926 Poole Road, Sale Creek
$379,900
4 Beds ⋅ 3 Baths ⋅ 1532736 MLS
Step into a home designed for the way you actually live. Modern, move-in-ready, filled with smart home technology--thermostats, cameras, fiber-fast internet--this is built for flexibility, comfort, and connection. Whether you're building your dream workspace, raising a growing family, or seeking your next investment, this home moves with you. The open floor plan breathes with natural light, flowing from a modern kitchen through generous living spaces. Downstairs, a dedicated flex room becomes your office, studio, or creative haven--work from home in a space that actually inspires. Four spacious bedrooms and two and a half baths mean everyone has room to breathe. The primary suite is a quiet escape with en-suite bath, double vanity, and a huge walk-in closet. Upstairs, the loft unfolds as bonus space--a second office, playroom, or artist's studio. The kitchen is where this home shines: granite counters, updated appliances, and smart storage that makes cooking and gathering feel effortless. A separate dining room keeps formality when you want it. 2,635 sq ft of thoughtfully designed living on a flat back lot with room to grow. Location delivers what matters: You're 20 minutes from downtown Chattanooga's energy and culture, 15 minutes from Chickamauga Lake's outdoor escape. But you live in peaceful Hamilton County--zero city taxes, low HOA fees, strong community. Rock Creek Estates feels like home the moment you arrive. This is modern living on your own terms. Perfect for remote workers ready to reclaim time, families seeking space and peace, or investors recognizing value in an up-and-coming area. Strong bones, clean finishes, and a floor plan that works as hard as you do.

165 Daugherty Ferry Road, Sale Creek
$290,000
3 Beds ⋅ 2 Baths ⋅ 1529894 MLS
**If buyer uses seller preferred lender, lender will give up to $3000 in concession.** Step back in time without giving up today's comforts at 1406 Daugherty Ferry Rd in Sale Creek. Originally built in 1880, this remarkable property is believed to be one of the oldest homes in Hamilton County and has remained in the hands of only a few owners since it was first constructed. Opportunities like this simply don't come around often. Situated on 1.44 acres, the setting feels peaceful and private, with plenty of room to enjoy the outdoors. The home itself blends historic character with thoughtful updates completed around 2019, creating a space that honors its roots while offering the functionality today's buyers expect. You'll appreciate the preserved architectural details, the sense of craftsmanship from another era, and the care that has gone into maintaining its story.

1406 Daugherty Ferry Road, Sale Creek
$319,900
1529770 MLS
Discover an exceptional opportunity to build your dream lakefront retreat on Chickamauga Lake. This expansive homesite features over 200 feet of private waterfront with deep year-round water, offering the ideal setting for boating, fishing, and relaxed lake living. Part of the Tennessee River system, Chickamauga Lake is nationally recognized as one of the top ''big bass'' fisheries in the United States, making it a premier destination for anglers and outdoor enthusiasts alike. Situated within a beautifully maintained waterfront community, this property provides both privacy and access to outstanding shared amenities. Residents enjoy a private 2-acre lakefront common area featuring a boat ramp, courtesy dock, pavilion, grilling area, and fire pit--perfect for lakeside gatherings and sunset evenings with family and friends. All essential utilities are available, including EPB fiber-optic internet with speeds up to 1 gig, allowing you to stay connected while enjoying peaceful lakefront living. Whether you're envisioning a full-time residence, luxury lake getaway, or custom waterfront estate, this property offers the ideal canvas. Conveniently located in the Sale Creek community, the property is just 30 minutes north of downtown Chattanooga via four-lane highway, providing easy access to major employers, dining, shopping, and healthcare. A dock permit is already on file, giving you a valuable head start on creating your private waterfront lifestyle. Rarely does a property combine extensive waterfront, community amenities, and proximity to Chattanooga--schedule your private showing today and experience the beauty of Chickamauga Lake firsthand.

15887 Channel Pointe Drive Lot 58, Sale Creek
$405,000
5 Beds ⋅ 4 Baths ⋅ 1529460 MLS
If you've been dreaming of life on the water, this is your chance to own a slice of the Tennessee River (Chickamauga Lake). Perfect for fishing, boating, watersports, or simply enjoying peaceful waterfront living, this property is positioned near the end of a quiet slough, offering calmer waters and added privacy. A private boat dock provides space for your bass boat or pontoon during the approximate five months each year when water levels are up. Inside, you'll find generous living spaces designed for both everyday comfort and entertaining, including a welcoming living room, separate den, dedicated office, dining area, and a kitchen ready for gatherings. Two fireplaces add warmth and character, creating inviting spaces to relax year-round. A new roof and new HVAC unit provide added peace of mind. Outdoor living is just as appealing with a screened-in porch and back deck -- perfect for morning coffee or unwinding after a day on the water. In addition to the attached garage, the property also features a spacious 20x40 detached garage -- ideal for boat storage, a workshop, or all your outdoor gear. There's ample storage and plenty of parking space for guests. The backyard is frequented by deer, turkey, rabbits, and other wildlife, making it ideal for nature lovers or outdoor enthusiasts. Whether you're looking for a full-time waterfront residence or a weekend escape, this property offers the space, setting, and lifestyle that come with river living -- and maybe even room in the budget for that boat you've been wanting.

16127 Lakewood Drive, Sale Creek
$149,000
1525195 MLS
Tucked away on Retro Hughes Road in Sale Creek, this 12.5-acre wooded tract offers space, privacy, and the kind of natural setting that is getting harder to find. A mature hardwood and pine forest covers the land, sloping down toward Skiles Branch as it winds through the property. The acreage includes a mix of old logging roads and a network of ATV trails, creating walkable paths that make it easier to explore the terrain and imagine how the land could be shaped to fit your plans. Cranefly Orchids can also be found scattered along the creek side, adding a little seasonal interest to the landscape. While the setting feels tucked away, you still have reliable modern conveniences. EPB and Verizon service work well here, and the Cumberland Trailhead is just five minutes away. Power and water are already available at the property line. The best route in is via Hwy 27 North to Retro Hughes Road. From there, continue up Retro Hughes Lane and then take Rocky Top Road back down to the land. GPS may direct you to approach from the bottom of Rocky Top Road, but this gravel road is very steep. This property offers a more rugged starting point, ready for someone with vision to shape it into a private estate, weekend retreat, or long-term investment surrounded by nature. It has character, space, and potential for someone ready to make it their own.

Retro Hughes Road, Sale Creek
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