Tracy City Homes with Conventional Financing available

Tracy City Homes with Conventional Financing available

Welcome to Tracy City, Tennessee – a hidden gem nestled in the heart of the picturesque Cumberland Plateau. Known for its breathtaking landscapes and warm community spirit, Tracy City offers a unique blend of small-town charm and natural beauty. With its rich history and vibrant local culture, this quaint town is an ideal place for those seeking a peaceful lifestyle while still being close to modern conveniences.

Tracy City boasts a variety of outdoor recreational opportunities, from hiking the scenic trails of South Cumberland State Park to exploring the stunning waterfalls that dot the region. The town is also home to a thriving arts scene, with local galleries and craft fairs showcasing the talents of its residents. Whether you're a nature enthusiast, an art lover, or simply looking to unwind in a serene environment, Tracy City has something to offer everyone.

When it comes to real estate, Tracy City features a range of charming homes perfect for families, retirees, or anyone looking to embrace a slower pace of life. Many of these homes are available with conventional financing, making it easier for you to find your dream abode in this idyllic setting. From cozy cottages to spacious family homes, the real estate market here caters to diverse tastes and budgets.

Discover the allure of Tracy City, where a welcoming community and beautiful surroundings await you. Whether you're looking to settle down or invest in a vacation getaway, this enchanting town is ready to welcome you home. Experience the tranquility and charm of Tracy City today!

Newest Tracy City Homes with Conventional Financing available

294 Pigeon Spur Road, Tracy City
$695,000
3 Beds ⋅ 2 Baths ⋅ 1544508 MLS
Welcome to this beautiful home with acreage. 23 plus acres of privacy and all nature has to offer. The home backs up to a pond that is fully stocked. Picture the sunsets in your backyard as the sun sets and later the moon rises and reflects. This is the right perfect place of seclusion; but yet to be close to it all. The home echoes an inviting appeal once you set foot into the door. Gather around the beautiful stone fireplace with gas logs and check out the beautiful tongue and groove cathedral ceiling with canned lights and ceiling fan. Picture the beautiful decorative glass windows floor to ceiling that are breathtaking. Imagine spending Thanksgiving and Christmas in this room. Home for the holidays and all Holidays for that matter. The porch just says Welcome! Come in and stay a while. You will feel right at home from the moment you drive up. Beautiful home, beautiful land and room to grow. Home is where the heart is and the home just has warmth and love. The vision is heartfelt and this will make someone a dream home. Call us to see this beauty for sure.

294 Pigeon Spur Road, Tracy City
3 Lillypad Lane, Tracy City
$679,500
4 Beds ⋅ 4 Baths ⋅ 1543695 MLS
Beautiful custom-built lakefront home situated on 2 acres, offering a wonderful combination of quality craftmanship, comfort, and scenic surroundings. The home features gorgeous Brazilian hardwood floors, a striking stone fireplace in the living room, cherry kitchen cabinetry, granite countertops, and a relaxing screened porch perfect for enjoying the lake setting. The versatile floor plan offers the option of primary suite on either the main level or upstairs. Recent updates include a new roof and 2 new HVAC systems in 2024, along with a fresh interior paint, making this exceptional home move-in ready.

3 Lillypad Lane, Tracy City
Lot 13 Hickory Hollow Sub Road Lot 13, Tracy City
$28,000
1543233 MLS
Discover the charm of small-town mountain living on this beautiful 1.3+/-acre wooded property in the heart of Tracy City, TN Nestled among hardwoods, this lot offers the perfect blend of privacy and convenience. With its peaceful natural setting, you'll enjoy the sights and sounds of nature while still being close to town amenities, dining and outdoor recreation. Whether you're looking to build your dream home, cozy retreat, or an investment property, this land provides a versatile opportunity. Tracy City sits atop the scenic South Cumberland Plateau, known for its rolling forest, bluff views, and access to hiking, fishing and waterfalls. * Buyer to verify any information deemed pertinent.

Lot 13 Hickory Hollow Sub Road Lot 13, Tracy City
235 Flat Branch Road, Tracy City
$269,000
2 Beds ⋅ 1 Baths ⋅ 1542992 MLS
Welcome to Tracy City, perched atop the Cumberland Plateau and home to some of the best outdoor recreation in the country, including legendary gorge hikes, mountain biking, and canopy ziplining. All of this, and you are a 45-minute commute to downtown Chattanooga. 235 Flat Branch Road is a lovingly updated cottage that will make you want to slow down and take a deep breath. Set back from the road, on a one-acre, mostly level, wooded lot, evenings are spent watching the deer - either from your rocking chair front porch or your very own firepit. Enjoy time with friends under the stars, and spend your weekends fishing, kayaking, canoeing, mountain biking, zip lining, or simply hiking through the abundant public and protected lands that surround this small town. Pay special attention to the Fiery Gizzard Trail, just three miles away, and named one of the top 25 hikes in the country. Grundy Lakes is another treasure less than two miles from your new home. Known by locals and day trippers alike as the perfect spot for swimming at the sandy beach, throwing a line in to fish, or walking the easy Lone Rock Trail. This cottage-in-the-woods has undergone a complete facelift over the last several years and is ready for its new owner. You will appreciate the updated kitchen and full bath, metal roof, modern flooring and fresh landscape. The newly added primary bedroom is a peaceful haven with smart storage and room to truly relax. -No HOA- Backyard has a portion fully fenced in; brand new washer and dryer convey *To get to Grundy Lakes at South Cumberland State Park from the home, head towards Hobbs Hill Road, turn Left onto Orange Hill Road, Right onto Lake Hill Road, and your destination is on the right. (1.7 miles)

235 Flat Branch Road, Tracy City
359 Lakes Road, Tracy City
$140,000
3 Beds ⋅ 2 Baths ⋅ 1542800 MLS
Welcome to 359 Lakes Road in Tracy City! This 3-bedroom, 2-bath home offers convenient one-level living and sits on over half an acre with a large, fully fenced front yard. Inside, the kitchen features stainless steel appliances, while recent improvements include an updated electrical system and a new HVAC system and ductwork installed within the last year. The .60-acre lot provides plenty of room to enjoy the outdoors, whether for pets, entertaining, or simply having some extra space. Located in the Tracy City area, the home also offers convenient access to some of the Cumberland Plateau's best outdoor destinations, including hiking, waterfalls, lakes, and nearby recreation areas. With important system updates already completed, a spacious lot, and easy access to the area's natural attractions, 359 Lakes Road is ready for its next owner. Schedule your showing today!

359 Lakes Road, Tracy City
2864 Pigeon Springs Road, Tracy City
$189,000
3 Beds ⋅ 1 Baths ⋅ 1542415 MLS
Move-in ready brick home in historic Tracy City! This beautifully updated 3-bedroom, 1-bath home offers 1,047 sq ft with hardwood floors, newer appliances, and a welcoming, move-in ready interior. HVAC replaced in 2021 and water heater replaced in 2025. Enjoy views of the Mountain Goat Trail from the property and easy access to miles of biking, walking, and hiking trails. Located near the Fiery Gizzard Trail, Grundy Forest, Grundy Lakes, South Cumberland State Park, Savage Gulf State Park, Coalmont OHV Park, and the Miracle on the Mountain Playground & Splash Pad. A storage building with a garage door provides plenty of space for a vehicle, outdoor gear, or additional storage. A great home in growing Tracy City, ready for its next owner! Many great investment opportunities with STR or LTR.

2864 Pigeon Springs Road, Tracy City
250 Clifford Dykes Road, Tracy City
$249,900
3 Beds ⋅ 2 Baths ⋅ 1542440 MLS
Welcome home to peaceful country living! Situated on 1.49 acres, this well-maintained 2020 manufactured home offers 1,440 square feet, three spacious bedrooms, two full bathrooms, and a desirable split-bedroom layout. The private primary suite features a generous walk-in closet and an en-suite bathroom with double vanities, a soaking tub, and a separate shower. The bright, inviting living spaces provide plenty of room to relax and entertain, while the conveniently located laundry room adds everyday ease. Enjoy morning coffee on the front porch or unwind beneath the covered back porch while taking in the quiet surroundings. Set on a permanent foundation with a level yard and room to garden, play, or enjoy the outdoors, this move-in-ready home delivers space, comfort, and privacy at an attractive price. Schedule your showing today!

250 Clifford Dykes Road, Tracy City
Lot 1 Tipple Road Road Lot 1, Tracy City
$58,000
1540721 MLS
5.27+/-acres unrestricted property with Hardwoods. This property is level to rolling making a perfect place to build your dream home. There is a small creek that runs through the property. There is electricity and water available at the pavement. This property is close to Monteagle and Tracy City which is surrounded by multiple state parks. ****Buyer is responsible to do their due diligence to verify that all information is correct.

Lot 1 Tipple Road Road Lot 1, Tracy City
292 Waters Edge Way, Tracy City
$300,000
3 Beds ⋅ 2 Baths ⋅ 1540219 MLS
Welcome to your mountain retreat on the Cumberland Plateau. Nestled in the serene, gated community of The Retreat at Waters Edge, this one-of-a-kind, custom site-built cottage seamlessly combines rustic charm with refined detail. Every square foot of this home has been thoughtfully designed to maximize space, comfort, and everyday functionality. Your outdoor living experience begins on the expansive screened-in front porch, featuring beautifully stained tongue-and-groove ceilings, durable outdoor tile, and ample room to gather and unwind. Stepping through the front door, you are welcomed by a bright, open-concept living and kitchen area flooded with natural light. The kitchen has been intelligently crafted with custom layouts to maximize both counter space and storage. Do not let the efficient footprint fool you, as the home comfortably offers two spacious bedrooms, two full bathrooms, and a versatile loft, giving everyone plenty of room to spread out and relax. Best of all, this property is being offered completely turnkey. Furniture and major appliances, including the refrigerator, freezer, washer, and dryer convey with the sale, making this an effortless, worry-free acquisition for homebuyers and investors alike. Residents of The Retreat at Waters Edge enjoy community amenities, including walking trails, peaceful communal spaces, fire pits, and a private lake complete with a community dock. Conveniently located near major interstates and roadways for easy travel, the property puts you close to top outdoor destinations such as Fiery Gizzard, Head of the Crowe, Tims Ford Lake, and the Mountain Goat Trail. You will also enjoy quick access to regional cultural hubs like The Caverns music venue, The University of the South in Sewanee, and the vibrant lakeside town of Winchester. This property has been successfully utilized as a short term rental, making this home not just a peaceful retreat but also a great investment.

292 Waters Edge Way, Tracy City
O Green Town Road, Tracy City
$98,000
1539573 MLS
Escape to the beauty of Tennessee with this stunning 10-acre undeveloped tract on Green Town Rd in Tracy City. Whether you're looking for the perfect hunting retreat, a private homesite, or an investment in land, this property offers endless possibilities. With water and electricity available at the road, you'll have a head start on building your dream home or weekend getaway. The property is rich with abundant wildlife, making it an excellent location for hunting, hiking, or simply enjoying the peaceful outdoors. Ideally located just minutes from Foster Falls Recreation Area, South Cumberland State Park and Fiery Gizzard Trail, you'll have easy access to world-class hiking trails, waterfalls, rock climbing, camping, and countless outdoor adventures. Only 1 hour from Chattanooga and 1 hour and 45 minutes from Nashville you can enjoy the amazing outdoors but also enjoy Tennessee's most amazing cities at your leisure. This property offers everything you can imagine and so much more. Make your appointment today to see this property and start making your dreams a reality. Percolation test available upon request.

O Green Town Road, Tracy City
2411 Sr 56 Road 2, Tracy City
$45,000
1538588 MLS
Beautiful wooded property that was just subdivided from a larger tract. This gorgeous property features Salley Branch Creek running through it, a level to rolling terrain, and has already had a soil analysis done. This property has road access from Highway 56, with utilities available at the road. There is a utility easement running through the property. This property is ready for you to come build your dream home.

2411 Sr 56 Road 2, Tracy City
2411 Sr 56 Road 1, Tracy City
$45,000
1538587 MLS
Beautiful, wooded property that was just subdivided from a larger tract. This gorgeous property features Salley Branch Creek running through it, a level to rolling terrain, and has already had a soil analysis done. This property has road access from Highway 56, with utilities available at the road. There is a utility easement running through the property. This property is ready for you to come build your dream home.

2411 Sr 56 Road 1, Tracy City
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