Spring City Homes with FHA Financing available

Spring City Homes with FHA Financing available

Welcome to Spring City, Tennessee—a hidden gem nestled along the banks of the beautiful Watts Bar Lake. With its picturesque landscapes, friendly community, and rich history, Spring City offers a delightful blend of small-town charm and modern conveniences. Located just 45 miles from Knoxville, this serene locale serves as the perfect retreat for those seeking a peaceful lifestyle without sacrificing accessibility to urban amenities.

Spring City is renowned for its outdoor recreational opportunities. Residents and visitors alike can enjoy fishing, boating, and hiking in the surrounding natural beauty. The town's vibrant community hosts seasonal events and festivals, fostering a strong sense of belonging among its residents. With its quaint downtown area, you’ll find local shops, restaurants, and friendly faces that make you feel right at home.

For prospective homebuyers, Spring City presents a fantastic opportunity, especially with FHA financing available for many of the homes in the area. This financing option is designed to make homeownership more accessible, allowing you to secure a mortgage with a lower down payment and more flexible credit requirements. Whether you’re searching for a cozy cottage by the lake or a spacious family home, Spring City has a diverse range of properties to suit your needs.

Embrace the tranquility and community spirit of Spring City, where your dream home awaits. Discover the perfect blend of nature, history, and modern living in this enchanting Tennessee town, and let us help you find your ideal home today!

Newest Spring City Homes with FHA Financing available

$499,000
3 Beds ⋅ 2 Baths ⋅ 1542487 MLS
COUNTRY LIVING WITH ROOM TO ROAM! This beautiful one-level brick ranch in Spring City offers 3 bedrooms, 2 baths, and the perfect combination of comfortable living and country charm. The open-concept living room features high ceilings and a cozy gas fireplace, creating a warm and inviting space for relaxing or entertaining. The kitchen includes appliances & flows into a separate dining area with a large walk-in pantry. A true highlight is the spacious sunroom spanning nearly the entire back of the home. Enjoy abundant natural light and peaceful views of the pasture and farm animals--a perfect spot for morning coffee or winding down at the end of the day. The laundry room includes a convenient utility sink, and the washer and dryer are negotiable. A 1-1/2-car garage adds convenience and storage. Outside, the possibilities are endless! The property features a large 40x40 barn ideal for tractors, equipment, or hobby use, plus a 24x48 5 stall implement shed w/ sep. electric and part concrete for additional storage. A pond and partially fenced acreage provide the perfect setting for livestock, chickens, gardening, a hobby farm, or simply enjoying the peace and privacy of East Tennessee. Located just off Rhea County HWY/ Highway 68 & near the Piney River, this property offers a peaceful rural setting with convenient access to everyday amenities. Watts Bar Lake and the Tennessee River are only minutes away for boating, fishing, and swimming. Spring City parks offer walking tracks, a splash pad, tennis courts, dog park and playgrounds. Conveniently positioned between Chattanooga and Knoxville, this property offers space, privacy, recreation, and the Tennessee countryside lifestyle you've been looking for. Don't miss this opportunity to make it yours!

493 Sandtown Road, Spring City
$748,000
5 Beds ⋅ 5 Baths ⋅ 1541862 MLS
THE TOTAL PACKAGE--5 BEDROOMS, 1.5 ACRES, POOL, GARAGES & RV PARKING! Spacious 5-bedroom home on approximately 1.5 acres with extensive updates and amenities. Features include fresh paint, new LVT flooring, updated kitchen, gas fireplace, new patio doors, and surround sound. Enjoy the 20x40 in-ground pool with new liner, large covered patio, multiple garages, RV carport, storage building, 30-amp RV hookup, and parking for 8+ vehicles. Additional highlights include a dedicated office with half bath, underground storm shelter, well, invisible fence, new roof installed October 2025, city water, septic, and included appliances. A rare opportunity offering space, storage, recreation, and convenience!

820 Payne Lane #35, Spring City
$229,000
3 Beds ⋅ 1 Baths ⋅ 1541583 MLS
Whether you are starting out or slowing down this home has so much to offer! The home is conviently located within minutes of Spring City, 15 minutes to Rhea Co High School, 20 minutes to Dayton, around 5 minutes to Watts Bar and minutes to the lake. This all one level brick rancher features three bedrooms and a spacious bathroom. The living room is a nice size with good natural light. The kitchen and dining room space is open and spacious! There is an oversized laundry room right off the kitchen. The bedrooms are all a nice size as well. The backyard is all fenced in and the yard is so nice an level! Schedule your personal tour today.

355 Price Circle, Spring City
$270,000
4 Beds ⋅ 2 Baths ⋅ 1541331 MLS
This four bedroom, two bathroom Champion Grand home was completed in 2024 and occupied since only February 2026. Situated in the established Kemmer Hill community, this home boasts 1,836 square feet of thoughtfully designed living space on a generous 0.54 acre lot. The expansive backyard is frequently visited by deer and is just a short walk to the community pool, providing abundant opportunities for relaxation and leisure. Enjoy breathtaking lake views from the back porch during the fall, winter, and spring, offering a peaceful backdrop for your morning coffee or evening relaxation. This home shines with remarkable attention to detail, evident in the carefully selected colors, wallpaper, fixtures, and finishes that present elegance and style. Freshly painted porches, and landscaping enhance the home's charming exterior. The kitchen features ample cabinet space, nearly new appliances, and a spacious center island perfect for entertaining family and friends. Adjacent to the kitchen is a convenient laundry room/mudroom, adding to the home's functionality. The expansive primary suite, thoughtfully located on the opposite side of the home for enhanced privacy, serves as a true retreat. Unwind in your soaking tub, indulge in the luxury of an oversized vanity, and enjoy the generous closet space. Fresh paint throughout all bedrooms creates a bright and welcoming atmosphere. Bedrooms three and four also include large walk-in closets, providing ample storage space. Situated just five minutes from the Spring City Boat Dock and Nick's Lakeside Grill, and eight minutes from the Cumberland Trail which offers miles of hiking trails and stunning scenery this home is perfect for someone who enjoys an outdoor lifestyle! Experience the perfect blend of comfort, sophistication, and nature in this extraordinary home, where every detail has been meticulously designed to provide a living experience like no other.

140 N Hillcrest Drive, Spring City
$379,900
3 Beds ⋅ 2 Baths ⋅ 1541278 MLS
LAKE VIEW PROPERTY IN SPRING CITY . CLOSE TO TOWN AND SHOPPING. TOWN OF SPRING CITY OWNS THE PROPERTY BETWEEN THE HOUSE AND LAKE ,SET ON YOUR DECK AND HAVE YOUR COFFEE IN THE MORNING WITH A LAKE VIEW. PROPERTY HAS LAKE ACCESS ACROSS FROM HOUSE OR AT THE TWRA BOAT RAMP NEXT TO THE SPRING CITY BOAT DOCK . YOU COULD STORE YOUR BOAT AT THE SPRING CITY MARINA AND WALK DOWN TO IT ACROSS YOUR BACK YARD AND THE MARINA . 3 BEDROOMS AND 2 BATHS BRAZILIAN HARDWOOD FLOORING IN PART OF THE HOUSE . APPLIANCE STAY WITH THE HOUSE. REAR OF HOME HAS A COVERED AND AN OPEN DECK.

430 Lakeview Drive, Spring City
$850,000
3 Beds ⋅ 3 Baths ⋅ 1540666 MLS
WATTS BAR LAKE-TENNESSEE RIVER YEAR-ROUND WATERFRONT VIEWS! Enjoy the best of lake living in this spacious ranch-style home w/ a finished basement & beautiful year-round water views. The main level welcomes you with a foyer leading into a large living room featuring built-in bookshelves/cabinets and a cozy gas-log fireplace, perfect for relaxing on chilly evenings. The separate dining area and sunroom offer stunning views of the lake and breathtaking sunrises throughout the year, or step outside onto the sundeck and enjoy the peaceful surroundings. The well-appointed kitchen features appliances, including a stainless refrigerator, drop-in range, built-in microwave and oven, plus a convenient breakfast bar and garden window--perfect for enjoying your favorite plants. A spacious laundry room includes the washer and dryer. The main level also offers 2 bedrooms & 2 full baths. The primary bedroom features private access to the deck, making it easy to step outside & enjoy your morning coffee while taking in the lake views. The primary bath offers a beautiful tiled walk-in shower. The lower level provides even more living & entertaining space with a large family/recreation room, kitchenette, sunroom currently being used as an office, & another gas fireplace. Multiple storage closets/safe rooms provide plenty of additional storage. A 3rd bedroom with a Murphy bed & abundant built-ins offers a private entrance leading directly to the covered concrete patio. Just steps from the patio is your covered one-slip boat dock with an electric boat lift, making it easy to enjoy boating, fishing & swimming right from your own waterfront property. Take the boat out & cruise to your favorite waterfront restaurant for dinner and entertainment. Additional features include a double detached garage, storage shed and concrete circular driveway. Whether you're looking for a full-time residence, weekend getaway or a place to enjoy all that lake life has to offer, this property is it!

300 Lake Forest Lane, Spring City
$259,900
2 Beds ⋅ 2 Baths ⋅ 1538964 MLS
Move right into this beautiful one-level ranch home featuring an open floor plan and split-bedroom design. This well-maintained home offers two spacious bedrooms, each with its own private full bath. One bathroom features a tub/shower combination, large walk-in closet, carpet while the other includes a walk-in shower. The inviting open-concept living area is perfect for everyday living and entertaining, featuring a cozy gas fireplace for those chilly winter evenings. The kitchen is a standout with granite countertops, a large island bar, and stainless appliances, including the refrigerator, microwave, range/oven, and dishwasher. A convenient laundry closet includes the washer and dryer. Additional features include durable LVT/laminate flooring throughout, covered front and back porches, attractive landscaping, and a productive vegetable garden. Relax and unwind in the private patio area complete with a hot tub. The level, fenced backyard provides plenty of space for children and pets to play. Two carports offer ample room for storing campers, boats, or additional vehicles. Conveniently located just minutes from Watts Bar Lake and the Chickamauga-Tennessee River, you'll enjoy easy access to boating, fishing, skiing, swimming, and waterfront dining at the area's many marinas and resorts. Don't miss this opportunity--call today to schedule your private showing!

8664 Old Dixie Highway, Spring City
$349,000
3 Beds ⋅ 2 Baths ⋅ 1538056 MLS
Welcome home to this move-in ready ranch offering the convenience of one-level living in a peaceful country setting. This well-maintained home features 3 bedrooms, 2 full baths, a spacious living room, and a versatile family room/den/sunroom perfect for relaxing or entertaining. The eat-in kitchen includes a gas range/oven, microwave, and dishwasher, while the laundry closet comes complete with a washer and dryer. (Refrigerator does not convey.) Step outside and enjoy the large yard, partially fenced for children and pets to play safely. Additional features include an attached garage, detached storage shed, and an impressive 20' x 30' RV garage with an 8-foot door--ideal for storing your RV, boat, and all your lake toys. Conveniently located near Watts Bar Lake and the Tennessee River/Chickamauga Lake, you'll have easy access to boating, fishing, swimming, and year-round outdoor recreation. Relax on the covered front deck and take in the beautiful country surroundings or entertain family and friends in this inviting outdoor space. Most furnishings are negotiable, making this an excellent opportunity for a move-in ready primary residence, vacation home, or investment property. Schedule your private tour today! The property consists of 2 parcels, apprx 1.65 acres.

446 Upper Clear Creek Road 2, Spring City
$275,000
2 Beds ⋅ 2 Baths ⋅ 1537740 MLS
100% Financing !!! Enjoy beautiful water views from this fully remodeled 2- bedroom, 2-bath home, with the marina just a few steps away! Whether you're looking for a full-time residence, vacation home, or investment property, this move-in-ready home offers the perfect combination of comfort and convenience. Recent updates include a new roof, new windows, new HVAC system, and new appliances, giving you peach of mind for years to come. A spacious 2-car detached garage provides plenty of room for vehicles, storage, or a workshop. Come see it today!!

206 Lakeshire Drive, Spring City
$259,900
2 Beds ⋅ 2 Baths ⋅ 1537597 MLS
Brand-new rustic cabin retreat on one acre, minutes from the lake in Spring City. This newly built home offers the privacy, flexibility, and lake-area lifestyle buyers are looking for, with cozy tongue-and-groove finishes, an open floor plan, and a comfortable layout that suits WFH, a weekend getaway, or short-term rental opportunity. The main level features a spacious primary bedroom, full bath, and laundry room. The kitchen has plenty of cabinets and counter space for storage and cooking. Upstairs has two roomy flex spaces that can function as additional bedrooms, a home office, bunk rooms, guest space, or hobby rooms, plus a second full bath. Enjoy quiet mornings and relaxing evenings on the covered concrete porch surrounded by nature, wooded privacy, and abundant wildlife. Tucked away in the Lakewood Village community, this property offers lake access just a street away and is conveniently located near multiple marinas, resorts, a TWRA boat launch, and a fishing pier. This home works for anyone searching for a cozy cabin near the lake, a private country retreat, or an income-producing investment. Additional lots are available. Schedule your private showing today!

345 Magnolia Drive, Spring City
$375,000
4 Beds ⋅ 3 Baths ⋅ 1533776 MLS
Welcome to 1235 New Lake Rd, Unit 4, a stunning two-level lakefront condo that perfectly blends comfort, style, and waterfront living. With four bedrooms and three full baths, this spacious residence offers room to relax, entertain, and enjoy the beauty of the lake from multiple outdoor spaces, including two private upstairs balconies and a patio ideal for morning coffee or evening sunsets. The main level features an inviting living room with a cozy fireplace and custom built-in shelving, creating a warm and functional gathering space. The open-concept layout flows seamlessly into the kitchen, complete with stainless steel appliances and ample cabinetry, making it both stylish and practical for everyday living or hosting guests. Upstairs, the spacious primary suite serves as a private retreat with its own balcony overlooking the water, a double vanity, and a walk-in shower designed for comfort and convenience. The additional bedrooms provide flexibility for guests, a home office, or growing households. This lakefront property also includes a garage and dedicated dock access, offering effortless enjoyment of boating, fishing, and waterfront recreation right outside your door. Experience the ease of condo living combined with the unmatched lifestyle of direct lake access at 1235 New Lake Rd, Unit 4.

1235 New Lake Road Unit 4, Spring City
$99,900
1533606 MLS
Your boat. Your slip. Your view. This 1-acre lot in the gated Rivermyst community on Watts Bar Lake comes with something most lots in this price range don't - a deeded private boat slip that's yours, period. No lottery. No waiting list. Just pull up, tie off, and go. From this lot you'll catch sweeping water views of one of Tennessee's largest lakes - 39,090 surface acres and 722 miles of shoreline. Rivermyst is a low-density, gated community of just 68 home sites, tucked between Chattanooga and Knoxville with all the quiet of small-town Spring City and none of the drive time. You're less than an hour from both cities, and about 10-15 minutes from marina restaurants on the water. Whether you're building your forever home or your favorite weekend escape, this lot has the footprint and the slip to make lake life actually work. Come see what you'd be waking up to. You're going to want to build fast.

150 Quail Hollow Cove, Spring City
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