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

135 Waters Edge Drive, Spring City
$325,000
3 Beds ⋅ 2 Baths ⋅ 1545512 MLS
Endless possibilities await with this NEARLY NEW RANCH home, perfectly situated on nearly an acre lot and less than a half-mile from the Spring City Marina! Whether you are looking for a lucrative, potentially fully furnished short-term rental or a turnkey primary residence, this property delivers. VA Buyers can also explore the financial perk of a potentially VA-assumable loan with a 5.5% interest rate. Check out just some of the many upgrades ✅ Owner's Suite includes a luxurious, custom-tiled walk-in shower. ✅ The Modern Kitchen is equipped with a deep farmhouse style sink. ✅ The attractive corner pantry offers storage space and adds elegance to the kitchen. ✅ You will get Efficiency & Style with Upgraded LED lighting throughout the Open-Concept floor plan, in the bedrooms and closet. ✅ The home is Turnkey Ready with All appliances staying, including a top-tier stacked washer and dryer still covered under warranty. This home has quality upgrades and improvements inside and out! ✅ Enjoy Relaxation & Privacy with a new back deck overlooking a fully privacy-fenced backyard. ✅ Premium Parking under the professionally installed wood carport on a concrete pad. ✅ A storage shed on the back deck provides plenty of room for your lake gear and tools. ✅ Fully Encapsulated Crawl Space provides maximum energy efficiency, moisture control, and structural longevity. As you can see this home is truly move in ready with many upgrades. Call for your private showing. Buyer to verify all pertinent specifications and information.

135 Waters Edge Drive, Spring City
728 Watts Bar Highway Highway, Spring City
$240,000
2 Beds ⋅ 1 Baths ⋅ 1544902 MLS
Welcome to this charming Spring City house (Parcel 3) conveniently located on Watts Bar Highway. Minutes from Watts Bar Lake and Highway 27, this home is perfect for one level living with a large eat in kitchen and separate living room. HVAC is newer. Situated on .7 acre, gardening and outdoor living options are endless. Listed separately are two other houses (724 and 726 Watts Bar Highway) and also 4.67 acres of land. Purchased separately or in combination, these properties offer so many options for investment, multi generational living, gardening, farm life, and peaceful country living. Make your appointment to see this house and the other houses today!

728 Watts Bar Highway Highway, Spring City
263 Scenic Hill Drive, Spring City
$435,000
4 Beds ⋅ 2 Baths ⋅ 1544374 MLS
**Lake Views, Your Own Pool, and Three Parcels of Privacy in Spring City** Wake up to a view of Watts Bar Lake and end the day on your new oversized deck watching the light change over the water. This brick corner home sits on three parcels totaling 1.3 acres, so you get the view, the pool, and real breathing room from the neighbors -- all in one package. Inside, the work is already done. The upstairs features a beautifully remodeled kitchen, new flooring through the kitchen, living room, and staircase, and ceiling fans in every bedroom. The lower level has been fully remodeled as its own private suite -- extra-wide doors, a walk-in shower, new floors and fixtures -- making it ideal for in-laws, guests, or anyone who needs accessible one-level living. Few homes offer two fully finished, move-in-ready levels like this. Outside, summer is handled: a private in-ground pool with its own shed, three storage sheds total, and a large deck built for entertaining. A metal roof, new gutters, and a rare 2-car attached garage round out the practical side, and the HVAC has been recently serviced. Lake-view homes with a pool and this much land don't come up often in Spring City. Come see the view in person -- photos only tell half the story. Schedule your walk-through today.

263 Scenic Hill Drive, Spring City
662 Piccadilly Avenue, Spring City
$220,000
3 Beds ⋅ 2 Baths ⋅ 1544149 MLS
Fresh, crisp, and ready for you! This newer mobile home offers three bedrooms, two bathrooms, and like-new condition throughout. Enjoy new appliances, an included washer and dryer, and new porches ready for your morning coffee. Situated on a flat lot with room to enjoy the outdoors, this home makes easy living look good. Come see it for yourself and make your move today!

662 Piccadilly Avenue, Spring City
488 Sable Road, Spring City
$379,900
3 Beds ⋅ 2 Baths ⋅ 1543908 MLS
Enjoy one-level living with lake views in this 3-bedroom, 2-bath home in a highly desired neighborhood. The open floor plan and high ceilings make the living area feel bright and spacious. The primary bedroom features two walk-in closets, and an additional room offers flexible space for a bonus room, home office, or workout room. The newly resurfaced back deck is a great place to take in the lake views, while the exceptionally flat yard offers plenty of room to enjoy the outdoors. Located on a quiet dead-end street, the property also features a two-car attached garage and a concrete pad for extra parking or outdoor entertaining. The roof is approximately 2-3 years old. The neighborhood offers a pickleball court and is a great place to walk, run, or ride your bike. Public access to Watts Bar Lake is about 5 minutes away, downtown Spring City is about 10 minutes away, Knoxville is approximately 45 minutes away, and Chattanooga is about an hour away.

488 Sable Road, Spring City
140 N Hillcrest Drive, 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
404 Luminary Firetower Road, 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
206 Lakeshire Drive, 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
345 Magnolia 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
1174 Crosby Lane #3 & #4, Spring City
$279,900
3 Beds ⋅ 2 Baths ⋅ 1536156 MLS
Charming Furnished Starter Home Near Watts Bar Lake & Chickamauga/Tennessee River. Enjoy country living just minutes from Watts Bar Lake and the Chickamauga/Tennessee River! Conveniently located near a free public boat launch, fishing pier, picnic pavilion, playground, and swimming area, this well-maintained ranch-style home is perfect as a primary residence, vacation getaway, or investment property. This inviting home features 3 bedrooms with walk-in closets, 2 full bathrooms, and a desirable split-bedroom floor plan. The spacious eat-in kitchen includes all appliances, as well as the washer and dryer, making this property truly move-in ready. Relax on the covered front porch while taking in the peaceful country setting, or entertain family and friends on the large back deck. The property sits on two level lots and includes an attached carport, storage shed, and plenty of outdoor space to enjoy. Offered fully furnished, this home also comes with both a riding mower and push mower. Recent updates include newer windows and blinds, new gutters, a newer roof, and a new water heater. High-speed internet is available. Don't miss this opportunity to own an affordable home in a great recreational area. Schedule your private tour today!

1174 Crosby Lane #3 & #4, Spring City
150 Quail Hollow Cove, 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
145 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
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