Spring City Homes with USDA Loan Financing available

Spring City Homes with USDA Loan Financing available

Welcome to Spring City, Tennessee – a hidden gem nestled in the heart of Rhea County, where small-town charm meets breathtaking natural beauty. Known for its friendly atmosphere and vibrant community spirit, Spring City offers a tranquil lifestyle surrounded by stunning landscapes, including the serene waters of Watts Bar Lake and the picturesque hills of the Appalachian Mountains.

Spring City is an ideal place for families, retirees, and anyone looking to escape the hustle and bustle of city life while still enjoying modern conveniences. With a rich history dating back to the late 19th century, the town boasts a unique blend of historic architecture and contemporary amenities. Enjoy leisurely strolls through the quaint downtown area, where local shops, cozy cafes, and community events foster a strong sense of belonging.

For prospective homeowners, Spring City presents an incredible opportunity with homes available for USDA loan financing. This means that qualified buyers can access 100% financing options, making homeownership more attainable than ever. Whether you're searching for a charming cottage, a spacious family home, or a serene retreat, Spring City has a variety of properties to suit every taste and budget.

With its affordable housing market, welcoming community, and access to beautiful outdoor activities, Spring City is not just a place to live; it’s a place to thrive. Discover the joys of life in this delightful Tennessee town, where your dream home awaits!

Newest Spring City Homes with USDA Loan Financing available

$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
$650,000
1539612 MLS
100 pristine acres in the heart of Bledsoe County, TN. This tract has never been treated with pesticides, making it a rare opportunity to build your own private farm or homestead with organic farming or pasture-raised livestock in mind. The land is a mix of open pasture and mature hardwoods, with rolling topography that offers long, sweeping views across the property. A stocked pond and a spring-fed creek wind through the acreage, adding to the natural beauty and giving future owners a reliable water feature for livestock or wildlife. Partially cleared, the open ground is ready for grazing, hay production, or row crops, while the wooded portion offers privacy, timber value, and excellent hunting potential for deer and turkey. County road frontage and gravel access make the property easy to reach year-round, and electricity is available at the road for future improvements. The gently rolling terrain and mix of pasture and woods give this tract real versatility, whether the next owner envisions a working farm, a recreational getaway, or a quiet homestead away from it all. Surrounded by the natural beauty of the Cumberland Plateau, the property offers the kind of privacy and space that's increasingly hard to find. Survey and parcel division for this portion of the property are currently in progress. Buyer to verify all information, including acreage and utilities.

404 Luminary Firetower Road, 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
$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
$39,900
1533600 MLS
If you've been waiting for the right lot to build your dream home, this is the one worth waiting for. At 1.5 acres, this is one of the larger parcels available in the gated Rivermyst community - with water views of Watts Bar Lake and the surrounding Tennessee ridgelines that you'll be looking at from your back porch for years. Rivermyst sits just outside Spring City, Tennessee, right on the edge of one of the state's most sought-after lakes. The community is gated, low-density (68 total home sites), and comes with access to community boat slips at the marina - so lake days are always within reach. Chattanooga and Knoxville are both under an hour away, but once you're here, you won't be thinking about either one. More acreage. More space to build exactly what you envisioned. More room to breathe. This is East Tennessee lake living - and this lot is ready when you are.

145 Quail Hollow Cove, Spring City
$284,900
3 Beds ⋅ 2 Baths ⋅ 1533267 MLS
Brand new construction on nearly half an acre in Spring City offering the perfect blend of modern living and East Tennessee lifestyle. This 3 bedroom, 2 bath home features approximately 1,260 square feet with a functional single-level layout designed for everyday comfort. Inside, you'll find an open-concept living area, spacious kitchen with ample cabinetry and island seating, and a split-bedroom floor plan that provides privacy for the primary suite. Set on a 1/2 acre lot, there's room to enjoy outdoor living, gardening, or simply relax in a peaceful setting. Located just minutes from Watts Bar Lake, this property offers convenient access to boating, fishing, kayaking, and nearby marinas, along with proximity to the Cumberland Trail for hiking and outdoor exploration. Whether you're looking for a full-time residence, a second home, or an investment opportunity, this move-in ready home delivers low-maintenance living in a desirable location. Affordable, brand new, and an ideal quiet location, but near Hwy 27 for easy access to Cleveland and Chattanooga. Professional photos coming soon. Property taxes TBD.)

200 Sable Road, Spring City
$299,900
3 Beds ⋅ 2 Baths ⋅ 1533268 MLS
Brand new construction in Spring City offering the perfect blend of modern living and East Tennessee lifestyle. This 3 bedroom, 2 bath home features approximately 1,800 square feet with a functional single-level layout designed for everyday comfort. Inside, you'll find an open-concept living area, spacious kitchen with ample cabinetry and island seating, and a split-bedroom floor plan that provides privacy for the primary suite. Set on a 1 acre double lot, there's room to enjoy outdoor living, gardening, or simply relax in a peaceful setting. Located just minutes from Watts Bar Lake, this property offers convenient access to boating, fishing, kayaking, and nearby marinas, along with proximity to the Cumberland Trail for hiking and outdoor exploration. Whether you're looking for a full-time residence, a second home, or an investment opportunity, this move-in ready home delivers low-maintenance living in a desirable location. Affordable, brand new, and an ideal quiet location, but near Hwy 27 for easy access to Cleveland and Chattanooga. Schedule your showing today.(Certain photos have been virtually staged and AI enhanced. Property taxes TBD.) Professional photos coming soon.

224 Sable Road, Spring City
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