Sale Creek Homes with USDA Loan Financing available

Sale Creek Homes with USDA Loan Financing available

Welcome to Sale Creek, Tennessee – a hidden gem nestled in the heart of Hamilton County. This charming community offers a perfect blend of rural tranquility and modern conveniences, making it an ideal place for families, retirees, and anyone seeking a peaceful lifestyle. With its picturesque landscapes, friendly atmosphere, and a close-knit community, Sale Creek is a wonderful place to call home.

Sale Creek boasts a rich history and a vibrant local culture, where outdoor enthusiasts can enjoy activities such as fishing, hiking, and boating at nearby waterways like the Tennessee River. The area is also known for its excellent schools, parks, and recreational facilities, ensuring that residents of all ages have access to a variety of activities and amenities.

One of the standout features of homes in Sale Creek is the availability of USDA loan financing. This program is designed to promote homeownership in rural areas, making it easier for families and individuals to purchase their dream home without a hefty down payment. With USDA loans, eligible buyers can enjoy competitive interest rates and flexible credit requirements, making homeownership more accessible than ever.

Whether you’re searching for a cozy cottage, a spacious family home, or a charming farmhouse, Sale Creek offers a diverse range of properties to suit your needs. With its welcoming community spirit and the added benefit of USDA financing, Sale Creek is not just a place to live; it’s a place to thrive. Discover the beauty and warmth of Sale Creek, and let your journey to homeownership begin today!

Newest Sale Creek Homes with USDA Loan Financing available

$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
$749,000
3 Beds ⋅ 2 Baths ⋅ 1535864 MLS
Established 27.38-acre equestrian ranch with boarding income, arena, trails, pond and mountain views. Boarders are on a month to month agreement and can remain or be given notice. Property includes a 100x80 covered outdoor arena with 24' Epic fan, two barns with 16 stalls (expandable to 18), locker barn with half bath, wash bay, round pen, 9 pastures, dry lots, and hay huts. Riding trails throughout. Updated 1,950 SF Manufactured home offers 3 bedrooms, 2 renovated baths, spacious living areas and new flooring. Second driveway leads to a leveled homesite with panoramic views. Ideal for private retreat or continued boarding operation with room to expand.

200 Reavley Road, Sale Creek
$749,000
3 Beds ⋅ 2 Baths ⋅ 1535863 MLS
Established 27.38-acre equestrian ranch with boarding income, arena, trails, pond and mountain views. Boarders are on a month to month agreement and can remain or be given notice. Property includes a 100x80 covered outdoor arena with 24' Epic fan, two barns with 16 stalls (expandable to 18), locker barn with half bath, wash bay, round pen, 9 pastures, dry lots, and hay huts. Riding trails throughout. Updated 1,950 SF Manufactured home offers 3 bedrooms, 2 renovated baths, spacious living areas and new flooring. Second driveway leads to a leveled homesite with panoramic views. Ideal for private retreat or continued boarding operation with room to expand.

200 Reavley Road, Sale Creek
$379,900
4 Beds ⋅ 3 Baths ⋅ 1532736 MLS
There's a house off Daugherty Ferry Road where the mountain air hits sweet and the world finally slows down -- the kind of place you don't need a vacation from. One pull of that screen door and you feel it in your chest: yeah... this is home. Step inside and the whole place opens up around you, warm Tennessee sunlight pouring across the floors, mountain views rolling in like a welcome you didn't know you needed. The living room hums with that ''grab a guitar and stay awhile'' energy, and the kitchen island practically fills itself with family, stories, and sweet-tea smiles. Before you know it, you're barefoot in a late-night two-step while supper keeps warm behind you. Downstairs, a quiet flex room waits for big dreams, deep thoughts, or a peaceful workday with a window full of country freedom. Upstairs, the loft spreads out like open sky, and the primary suite settles you into the kind of sleep you only get when your heart's finally still. Three more bedrooms mean there's room for every soul you love. But the magic hits when the sun drops low. Step out back onto three-quarters of an acre of flat Tennessee earth -- bonfire crackling, fireflies drifting, crickets tuning up for the night. Neighbors wave from fence posts. Stars show up like they've been saving the best for you. Chickamauga Lake is just down the road, Chattanooga's an easy drive, and with zero city taxes, your wallet breathes easy too. This isn't just wood and stone. It's a front-porch-sittin', bonfire-lightin', deep-breath kind of haven -- the place where your next chapter starts the second you step inside.

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
$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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