Signal Mountain Homes with FHA Financing available

Signal Mountain Homes with FHA Financing available

Welcome to Signal Mountain, Tennessee – a picturesque community nestled in the foothills of the Appalachian Mountains, just a short drive from the vibrant city of Chattanooga. Known for its stunning natural beauty, Signal Mountain boasts breathtaking views, lush greenery, and a welcoming small-town atmosphere. With a rich history and a strong sense of community, this charming town is perfect for families, retirees, and anyone seeking a peaceful retreat from the hustle and bustle of city life.

Signal Mountain offers a variety of recreational opportunities, including hiking trails, parks, and scenic overlooks that showcase the area’s natural splendor. Residents enjoy easy access to outdoor adventures, from exploring the nearby Tennessee River to enjoying picnics at local parks. The town also features a range of amenities, including quaint shops, delicious dining options, and top-rated schools, making it an ideal place to call home.

For those considering a move to Signal Mountain, you’ll be pleased to know that homes in this delightful area are often eligible for FHA financing. This means that first-time homebuyers and those looking to invest in real estate can take advantage of lower down payment options and more flexible credit requirements. Whether you're seeking a cozy cottage, a spacious family home, or a stunning property with panoramic views, Signal Mountain has something for everyone.

Discover the charm and tranquility of Signal Mountain, where your dream home awaits amidst breathtaking landscapes and a warm community spirit. Embrace the opportunity to create lasting memories in this idyllic Tennessee town!

Newest Signal Mountain Homes with FHA Financing available

$998,000
4 Beds ⋅ 5 Baths ⋅ 1539542 MLS
New construction on Signal Mountain, ready December 2026 -- this 4-bedroom, 4.5+ bath home sits on 1.4 private acres in the sought-after Boston Branch community, blending modern farmhouse charm with everyday livability across 3,734 sq ft of conditioned space plus a 3-car garage. A two-story foyer opens past a flex room/office with double doors stained dark, into a great room warmed by a brick fireplace with a cedar mantel and cedar-stained surround to the ceiling. The kitchen anchors the main level with painted cabinetry, a quartz island, custom range hood, and a walk-in pantry with butcher block counters -- flowing into a dining area framed by windows and a statement chandelier. The main-level primary suite is a true retreat: a spa-style bath with freestanding tub, walk-in shower, dual vanities, and a generous walk-in closet connecting straight to the laundry room. A mudroom with built-in bench and cubbies off the garage, plus a powder bath, complete the first floor. Upstairs, three additional bedrooms (two with en-suite access), a game room, and a versatile unfinished bonus room offer room to grow. Exterior details include board-and-batten and brick facade, a bronze metal roof accent, gas lantern-style lighting, a covered front porch, and covered and uncovered rear decks. Zoned for Signal Mountain schools. This home offers the space and quality of new construction with the character of a custom build. This is a semi-custom build -- buyers may still have the opportunity to personalize select finishes and materials not yet ordered. Contact listing agent for details.

2325 Little Bend Road, Signal Mountain
$759,000
4 Beds ⋅ 3 Baths ⋅ 1537903 MLS
Welcome to 501 N Palisades Dr. Move-in ready 4 bedroom, 2.5 bath brick home on North Palisades Drive. Across from the brow, it's perfect for walks with mountain and valley views. The home backs to a private wooded yard with a large deck overlooking Shoal Creek. Walking distance to Green Gorge trails. Is just minutes from Signal Mountain restaurants and shops, and only about 15 minutes to downtown Chattanooga. Zoned for highly regarded Signal Mountain schools.

501 N Palisades Drive, Signal Mountain
$990,000
4 Beds ⋅ 4 Baths ⋅ 1537525 MLS
Imagine waking up, grabbing coffee in a kitchen that belongs on a magazine cover, and stepping onto your covered back deck to enjoy the privacy and peaceful surroundings of Wild Ridge. Tucked away on a quiet, low-traffic street near a cul-de-sac, 3520 Sweetshrub Way offers the perfect blend of luxury, comfort, and everyday functionality. Built in 2022 and zoned for the award-winning Signal Mountain schools, this beautifully designed home features 4 oversized bedrooms, 3.5 baths, a dedicated office, formal dining room, and a sprawling upstairs bonus room, giving everyone the space they need to live, work, and play. The thoughtful floor plan centers around a stunning chef's kitchen with an oversized island, granite countertops, stainless steel appliances, and seamless flow into the main living areas, making entertaining effortless. The main-level primary suite offers convenience and privacy, while generous closets throughout the home provide exceptional storage. Upstairs, three additional bedrooms and a large bonus room create the ideal setup for family, guests, hobbies, or a media room. Outside, you'll appreciate the privacy of the fenced backyard and peaceful setting. Whether you're hosting friends on the covered deck or enjoying a quiet evening on the screened porch, this home was built to make the most of its outdoor spaces. For the hobbyist or outdoor enthusiast, the garage setup is hard to beat, two front-facing bays for daily drivers plus a third rear garage bay perfect for bikes, lawn equipment, tools, or recreational gear. Located in the highly sought-after Wild Ridge community, residents enjoy a lifestyle that extends far beyond their front door. Encompassing approximately 124 acres, the neighborhood preserves more than 52% of its land as dedicated green space, creating a scenic backdrop throughout the community. Homeowners have access to four miles of private hiking trails as well as direct access to a neighboring 51-acre nature park, offering endless opportunities to enjoy the outdoors. Despite these exceptional amenities, Wild Ridge maintains low HOA dues. Combined with convenient access to Signal Mountain amenities and award-winning schools, 3520 Sweetshrub Way delivers community, convenience, and luxury in one exceptional package.

3520 Sweetshrub Way, Signal Mountain
$925,000
3 Beds ⋅ 2 Baths ⋅ 1536760 MLS
Welcome to this stunning custom-built farmhouse on Signal Mountain, offering luxury finishes, modern amenities, and exceptional craftsmanship. This thoughtfully designed home features an open-concept floor plan with a spacious great room, coffered ceiling, abundant natural light, and beautiful flooring throughout the main living areas. The gourmet kitchen is a chef's dream with custom cabinetry, propane cooktop, subway tile backsplash, farmhouse sink, large center island, pantry, and ample prep space for entertaining. The main-level primary suite provides a private retreat with a spa-inspired bath, oversized tiled steam shower system. Additional main-level features include a dedicated home office, two guest bedrooms, a full bath, and functional living spaces designed for everyday comfort. Upstairs offers a large bonus room, fitness room, and extensive walk-in attic storage rarely found in today's homes. Enjoy year-round outdoor living on the expansive covered back porch with multiple ceiling fans, overlooking a private wooded setting. The adjoining patio and fire pit area create the perfect space for entertaining, relaxing, and enjoying the peaceful surroundings. Additional highlights include energy-efficient features, continuous hot water system, custom finishes, generous storage, and quality construction throughout. Located in one of Signal Mountain's most desirable areas, this home offers convenient to parks, hiking trails, shopping, dining, and downtown Chattanooga. If you're searching for a luxury farmhouse, custom home, main-level living, home office, bonus room, private wooded lot, or a move-in ready home on Signal Mountain, this exceptional property delivers the perfect combination of comfort, style, and location. Schedule your private showing today and experience everything this beautiful Signal Mountain home has to offer.

188 Horseshoe Bend Road E, Signal Mountain
$930,000
5 Beds ⋅ 4 Baths ⋅ 1536517 MLS
Fantastic opportunity in the desirable Signal Forest neighborhood on Signal Mountain. This 5 bedroom, 4 full bath home boasts curb appeal galore with its Hardie, painted brick and stone exterior, and you will love the flexible floor plan which features an open living concept, two bedrooms on the main including the primary suite, a large bonus room and a coveted 3-bay garage. You will also appreciate the quality finishes and many recent improvements/upgrades, especially the hardwood floors, crown moldings, decorative and recessed lighting, wainscotting and shiplap accents, specialty ceilings, granite countertops, inviting screened porch, a new firepit with and a rock retaining wall lighting, garage ceiling storage rack, gutter guards, fresh paint, and so much more. Your tour begins with entry from the covered front porch to the foyer which opens to a large dining room and the great room, kitchen and breakfast area. The central great room has a coffered ceiling and a stacked stone gas fireplace and will quickly become the favorite gathering spot. The kitchen has a large center island with a level dining bar and glass pendant lighting, granite countertops, tile backsplash, soft close cabinetry with under-cabinet lighting, stainless appliances, a pantry and access to the mudroom and garage for easy loading and unloading. The breakfast area adjoins the screened porch, which is perfect for everyday living and entertaining. The mudroom also has access to the laundry room which has cabinetry and a utility sink, the guest bedroom, and the full guest bath. The primary bedroom is on the opposite side of this level and has a double tray ceiling and a beautiful primary bath with a dual vanity, soaking tub, separate tiled shower, a water closet, and a spacious walk-in closet. Head upstairs where you will find 3 additional bedrooms, a large bonus room with a closet so it could be utilized as a bedroom if desired, a shared bath, a hall bath, and walk-out attic storage. The seller removed multiple trees to expand the yard space in back for outdoor fun while still keeping a layer of privacy, and they expanded the irrigation to the back yard and installed an extra irrigation zone should a new owner like to have a raised garden bed or greenhouse area. All of this, and you are close to Signal Mountain schools, shopping and restaurants and approximately 20-25 minutes from downtown Chattanooga, so please call for more information and to schedule your private showing today. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

2415 Anchor Trail, Signal Mountain
$1,175,000
4 Beds ⋅ 4 Baths ⋅ 1536284 MLS
Nestled in the highly sought-after Applewood neighborhood on Signal Mountain, this exceptional transitional home offers the perfect blend of timeless charm and modern livability. Just a short walk to Thrasher Elementary, this private, wooded retreat sits on a beautifully sloped corner lot framed by mature deciduous trees and short cul-de-sac streets. The moment you arrive, you're enveloped in a serene, treehouse-like setting--lush, green, and peaceful with sweeping canopy views from nearly every window. With 4 bedrooms and 4 bathrooms across two stories plus a finished basement, this residence delivers generous scale and thoughtful versatility. The exterior showcases distinctive natural fieldstone, cedar siding and abundant casement windows that frame the forest beyond. Inside, living spaces flow effortlessly. The dramatic vaulted living room features a fireplace and opens to the dining area, which sits beneath a dramatic loft. A catwalk bridges the upper level, connecting the two ensuite bedrooms. The oversized primary suite is a true sanctuary-spacious enough for a private sitting area, complete with a massive walk-in closet and a large bath with a separate tub tucked under a sweeping picture window with canopy views, a shower, dual vanities, a water closet, and a vanity.The main-level guest bedroom with an ensuite bath serves double-duty as a convenient powder room for guests. The heart of the home is the expansive kitchen, featuring an island with a cooktop, a peninsula that defines the space, and a built-in breakfast banquette surrounded by windows with forest views. A large sunroom extends off the rear, creating an ideal spot for reading, while the adjacent laundry room includes ample storage and a walk-in pantry. Recent, high-quality updates elevate the lifestyle potential. Main level garage bays have been heightened to accommodate larger vehicles such as travel vans. Outside, the expansive main-level deck and the covered base

10 Pebble Lane, Signal Mountain
$770,000
4 Beds ⋅ 4 Baths ⋅ 1536278 MLS
Come explore 2305 Covington Cove Lane and you will find a spacious retreat that affords you privacy while being only 3.2 miles from Signal Mtn Middle/High School. With 4 bedrooms and 3 & ½ bathrooms at the end of a cul-de-sac deep in Windtree Subdivision (no HOA) and surrounded by mature hardwood trees, this home claims the largest kitchen in the neighborhood, and it looks out into your private woods. Open the windows and you will hear the continuous babble from Conner Creek with more than 200 linear feet inside the back of your property. Relax! We are Move-In Ready with all hardwood floors refinished and all new carpet in bedrooms and living rooms in the past few weeks. With a 2026 exterior touch-up and paint, we've taken care of it for you. New roof came in 2018 and in 2021 new showcase windows across the back of the home for that Swiss Family Robinson feel. A no-mold zone with basement encapsulated since 2017 along with whole-home pump, fan and dehumidifier. But that is all about the house - with everything taken care of you can focus on making it your family home. Showings start Thursday morning 7/2 so call or text to schedule your private showing.

2305 Covington Cove Lane, Signal Mountain
$698,000
5 Beds ⋅ 2 Baths ⋅ 1536117 MLS
A Rare Mountain Retreat on Signal Mountain -- 6.84 Acres Bordering North Chickamauga Creek Gorge State Park Escape to your own private mountain sanctuary atop highly sought-after Signal Mountain. Nestled on 6.84 acres and bordering over 6,000 acres of protected wilderness in North Chickamauga Creek Gorge State Park, this stunning true log home offers an extraordinary blend of privacy, natural beauty, and convenience. Situated at the East end of Walden's Ridge, it looks directly out at Mowbray Mountain. With five bedrooms, three full baths, and three levels of living space, this spacious cabin retreat is designed for both everyday comfort and unforgettable gatherings. Soaring cathedral ceilings, massive exposed log beams, and walls of windows create a warm, inviting atmosphere that embraces the surrounding beauty. Step outside to expansive decks and a private sunroom where you can sip your morning coffee while watching the sunrise, listening to birdsong, and taking in breathtaking views of nature. Deer, hawks, eagles, wild turkeys, and abundant wildlife are frequent visitors, creating a peaceful setting that feels worlds away from the hustle of everyday life. For outdoor enthusiasts, the location is truly unmatched. Hiking trails, fishing, scenic overlooks, and endless opportunities for exploration are just steps from your front door. Whether you enjoy mountain adventures or simply relaxing in nature, this property offers a lifestyle many only dream about. The home features two primary suites, three additional bedrooms, generous storage space, built-in shelving, a workshop area, and a wood-burning stove in the Great Room that provides both warmth and peace of mind during power outages. The property is served by a private well with water softener, while public water is available at the road. Current utility costs are minimal, with only electric and internet service through EPB. Located within the gated community of Boston Branch, owners have the optional opportunity to join the HOA for $840 annually, providing access to community amenities including a private park, fishing dock, and 17+ acre lake. Adding even more value, the acreage may offer the potential to subdivide into 3-4 additional building lots, creating opportunities for future development, family compounds, or investment potential. Families will appreciate being zoned for Signal Mountain's award-winning schools, while still enjoying convenient access to nearby amenities. You're less than 30 minutes from Signal Mountain favorites such as The Bread Basket, Pruett's Market, and Signal Mountain Golf & Country Club, with easy access to Highway 27, Highway 153, Hixson, North Shore, and downtown Chattanooga. Properties offering this level of privacy, acreage, natural beauty, and location rarely become available. Except in the dead of winter, when all the leaves are gone, your view does not include any neighboring homes. Whether you're searching for a full-time residence, a mountain getaway, or a legacy property to enjoy for generations, this extraordinary retreat delivers a lifestyle unlike any other. Come experience the peace, beauty, and freedom of mountain living from your own private deck overlooking one of Tennessee's most treasured natural landscapes.

8940 Big Bend Road, Signal Mountain
$349,500
3 Beds ⋅ 2 Baths ⋅ 1535308 MLS
Welcome to 2505 Dowler Circle, an opportunity to enjoy the Signal Mountain lifestyle at a price point that doesn't come along often. Nestled in one of the Chattanooga area's most sought-after communities, this 3-bedroom, 2-bath home offers the perfect combination of mountain charm, award-winning schools, and everyday convenience. Inside, you'll find bright, inviting living spaces filled with natural light and a functional floor plan designed for comfortable living. A versatile bonus room provides additional flexibility and could serve as a home office, playroom, or den to fit your needs. Step outside and enjoy the spacious yard, perfect for relaxing, entertaining, gardening, or simply taking in the peaceful surroundings that make Signal Mountain such a special place to call home. You'll love being just minutes from parks, local dining, and an easy drive to downtown Chattanooga. Major updates provide added peace of mind, including a metal roof installed in 2016 (with an expected lifespan of 40+ years), a septic system update in 2020 with new field lines and covers, and an HVAC system replaced in 2022. The brick exterior, newer dishwasher and refrigerator, plus the included washer, dryer, gas grill, and storage shed make this home even more move-in ready. Whether you're looking for your first home on Signal Mountain, more space for your family, or simply a chance to enjoy one of the area's most desirable communities, 2505 Dowler Circle is a home you won't want to miss.

2505 Dowler Circle, Signal Mountain
$510,000
4 Beds ⋅ 3 Baths ⋅ 1535100 MLS
This Signal Mountain home offers the perfect balance of space, comfort, and unmatched mountain convenience. Mornings start with a relaxed walk to the award-winning Thrasher Elementary School, and you are just a short distance from the local boutique grocery store, restaurants, community pool, neighborhood pediatrician, and much more. You will have peace of mind with the 2 year roof, new water heater, cleaned out septic with new riser, and new garage door. Inside, true hardwood floors run seamlessly through a flexible layout that can be configured as a five-bedroom home or four bedrooms plus a dedicated home office. The primary suite serves as a quiet retreat with its own private en suite bathroom, while the lower-level features a versatile playroom or sunroom that opens directly to the fully fenced in outdoor living space. Outside, the deck and patio area feature a new custom pergola for daytime shade and a dedicated fire pit zone built for crisp mountain evenings. Finally, the basement provides massive storage capacity to keep your seasonal gear organized and your main living areas completely clutter-free. The house features a new reverse osmosis filtration system that services the whole house. More than just a house, this is a welcoming place to put down roots, gather with friends, and enjoy the very best of the mountain lifestyle for years to come.

1311 Brockton Drive, Signal Mountain
$825,000
5 Beds ⋅ 5 Baths ⋅ 1535041 MLS
Welcome to this distinguished residence in the highly sought-after Carriage Hill community on Signal Mountain, where timeless elegance meets exceptional space and comfort. Thoughtfully designed for both everyday living and refined entertaining, this home offers 5 generously sized bedrooms and 4.5 beautifully appointed bathrooms. At the heart of the home, the stunning great room makes a lasting impression with its grand fireplace and custom mantle, creating a warm yet sophisticated gathering space. A spacious family room provides additional room to relax or host with ease. The primary suite is conveniently located on the main level, while an additional upstairs bedroom offers flexibility to serve as a second primary suite if desired. The finished lower level is a true extension of the home's living space, featuring a dramatic floor-to-ceiling fireplace and ample room for recreation or leisure. A fifth bedroom on this level, currently utilized as a home office, adds versatility to the layout. Designed with both form and function in mind, the home offers abundant storage throughout, including spacious closets and an easily accessible walk-out attic. Expansive windows throughout the home invite in natural light and create a seamless connection to the surrounding landscape, offering a serene, nature-inspired setting. This exceptional property presents a rare opportunity to enjoy elevated living in one of Signal Mountain's most desirable communities.

29 Rock Crest Drive, Signal Mountain
$775,000
4 Beds ⋅ 3 Baths ⋅ 1534880 MLS
Cul-de-sac privacy meets mountain-town living on one of Hidden Brook's most protected lots. This 4-bedroom, 2.5-bath Signal Mountain home sits on a full acre with a usable, completely fenced backyard -- the kind of outdoor space that's genuinely rare. Inside, the newly remodeled kitchen is built around a huge island and breakfast area with a coffee bar and sitting alcove -- the kind of room that absorbs the entire morning routine and still has space for company. The kitchen and living room open directly onto a series of decks and a screened porch, turning the back of the house into continuous indoor-outdoor living. The screened porch carries you through three seasons with easy access to the BBQ from the kitchen. Upstairs the primary suite anchors the private wing with a large dedicated office -- real walls, a real door, genuine separation between work and home. It's the floor plan detail that remote and hybrid professionals need and that most homes in this generation simply don't offer. All four bedrooms stay intact. Throughout, the bones are right. Good room proportions. Natural light on multiple exposures. A layout that gives living, sleeping, and working their own territory. A main-level laundry room sits right off the garage entry, and a two-car garage with interior access keeps the morning routine seamless. The remodel focused where it mattered -- the rooms you actually use every day -- and left the home's solid 1979 construction alone where it should be. Signal Mountain is its own town with its own schools, its own police and fire, its own library, and a walkable town center -- ten minutes above downtown Chattanooga but operating at an entirely different pace. People move here for the top-rated public schools, the trails and greenways out the back door, and a community where kids still ride bikes to the neighbor's house.

64 Whispering Pines Drive, Signal Mountain
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