Tracy City Homes with USDA Loan Financing available

Tracy City Homes with USDA Loan Financing available

Welcome to Tracy City, Tennessee – a hidden gem nestled in the picturesque landscapes of Grundy County. This charming small town, rich in history and natural beauty, offers a perfect blend of tranquility and community spirit. Surrounded by the stunning Cumberland Plateau, Tracy City is renowned for its breathtaking views, lush forests, and abundant outdoor recreational opportunities. Whether you're hiking the scenic trails or exploring the nearby South Cumberland State Park, you'll find that nature is at your doorstep.

Tracy City boasts a warm, welcoming atmosphere with a close-knit community that makes it easy to feel right at home. The town is dotted with quaint shops, local eateries, and friendly neighbors who are always ready to lend a helping hand. With a rich heritage dating back to the coal mining era, Tracy City is filled with stories and character, making it a fascinating place to settle down.

For prospective homeowners, Tracy City offers an incredible opportunity with USDA Loan Financing available. This means that many homes in the area can be purchased with little to no down payment, making homeownership more accessible than ever. With a variety of charming residences ranging from historic homes to modern builds, you’re sure to find the perfect fit for your lifestyle.

Whether you're looking to start a family, retire, or simply embrace a slower pace of life, Tracy City is a wonderful place to call home. Experience the beauty, community, and affordability that this delightful town has to offer – your dream home awaits!

Newest Tracy City Homes with USDA Loan Financing available

$325,000
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
$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 0, Tracy City
$35,000
1538594 MLS
This gorgeous, wooded lot is perfect for building your new home. This property has a view of the neighbor's pond, rolling slope down to a wet weather creek, and is ideal for vacation home. This property is located just off the main highway on Sally Branch Road, giving you privacy and convenience all in one area. The property has already had a soil analysis and a survey. Come see all this property has to offer.

2411 Sr 56 Road 5, 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
$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
$130,000
1536457 MLS
This beautiful 10.9-acre parcel off Windstone Drive is ideal for your future homesite. Nestled in a peaceful rural setting, the land is permitted for a 4 bedroom home. A newer fence to the property line and a driveway that follows along the easement to the cleared, build site make this property more accessible and ready for your dream home. Call to schedule your viewing today.

229 Windstone Drive, Tracy City
$294,900
1534888 MLS
Hunting? Here's your home!! Off a quiet country road, in the rolling landscape of Grundy County, TN, this 33.5-acre property offers an incredible environment for outdoor enthusiasts and land investors alike. Convenient to Monteagle, TN (15 mins) and Chattanooga, TN (55 mins), your hunting ground, home, or hide-away (maybe all three!) will be tucked in dense forest, rolling hills, with numerous glades, offering several options building locations. Several natural bowls and gullies provide natural foraging and byways for deer, turkey, rabbits, squirrels, songbirds, and other wildlife. The property includes a sturdy and comfortable wildlife viewing stand (hunting blind). In almost every spot, varieties of pines, poplars, oaks, and maples tower over you - some with trunks 20-30 inches in diameter! There are ample areas for food plots and old logging tracks (from about 60 years ago) for trails and walking paths, throughout the interior of the lot. No matter if you are a hunter, conservationist, or simply seeking a private place to retreat to, this property offers Tennessee at its best. This parcel is recorded in Greenbelt status. Tipple Rd separates the parcel into two sections, approx. 12.25 acres to the east and 21.25 to the west. both portions are equally diverse topographically, habitat, and beauty. No property tours without an appointment. Call to schedule a tour.

Tipple Road Tract 4 & 5, Tracy City
$385,000
2 Beds ⋅ 2 Baths ⋅ 1533655 MLS
This 2-bedroom, 2-bath home in The Retreat at Water's Edge offer a bright, airy interior that showcases the mountain charm of the area. With an open floor plan, high ceilings, and generous natural light, the home feels spacious and inviting. Designed for low maintenance and easy enjoyment, the property works equally well as a primary home where you can escape from the noise of the city or income-producing short-term rental. Residents enjoy access to a 95-acre lake, hiking trails, and community gathering spaces. Convenient to Sewanee and several of Tennessee's most popular waterfalls and outdoor destinations, this home is located in a place that is sure to offer refreshment. Move-in ready and waiting to be enjoyed. We are offering a limited-time investor special for those purchasing multiple homes as a bundled package. This a great opportunity to build a short term rental portfolio in a beautiful part of Tennessee.

78 Dwellings Drive Lot 181, Tracy City
$385,000
2 Beds ⋅ 2 Baths ⋅ 1533651 MLS
Modern mountain living meets effortless retreat in this beautifully appointed 2-bedroom, 2-bath home nestled within the gated community of The Retreat at Water's Edge. Whether you're seeking a personal sanctuary or a high-performing short-term rental investment, this property delivers the perfect blend of comfort, style, and sought-after amenities. Inside, soaring ceilings and walls of windows flood the open-concept living space with natural light, creating an airy, welcoming atmosphere from the moment you step through the door. The seamless flow between kitchen, dining, and living areas makes both everyday living and entertaining feel completely effortless. When the day winds down, step out to your private patio and fire pit -- an ideal setting for starlit evenings, s'mores with the family, or cocktails with friends. Beyond your doorstep, community amenities rival those of a full-scale resort: a stunning 95-acre private lake for kayaking and fishing, scenic hiking trails, and beautifully maintained shared pavilions. Adventure awaits just minutes away at Foster Falls and the celebrated Fiery Gizzard Trail, while the charming university town of Sewanee adds culture, dining, and year-round appeal. Investor Opportunity: Purchasing multiple homes? Ask about our exclusive bundled package -- a rare chance to establish a short-term rental portfolio in one of Tennessee's most picturesque and in-demand destinations.

33 Dwellings Drive Lot 191, Tracy City
$385,000
2 Beds ⋅ 2 Baths ⋅ 1533654 MLS
Opportunity meets lifestyle in this 2-bedroom, 2-bath modern retreat in The Retreat at Water's Edge. Ideal for personal enjoyment or short-term rental income, this property offers strong appeal in a high-demand tourism corridor that is beautiful all year round. The efficient open-concept layout features high ceilings and generous natural light, maximizing livability within a thoughtfully designed footprint. Tucked along the back part of the community, the home offers a peaceful setting guests consistently seek. The outdoor patio and space for a fire pit create an inviting space for relaxation and evening gatherings. Community amenities include a 95-acre stocked lake, hiking trails, and common areas that enhance guest experience and rental potential. Just minutes from Sewanee and popular attractions like Foster Falls and the Fiery Gizzard Trail, this location continues to draw year-round visitors and the home also comes with a one year builder's warranty! We are offering a limited-time investor special for those purchasing multiple homes as a bundled package. This a great opportunity to build a short term rental portfolio in a beautiful part of Tennessee.

51 Dwellings Drive Lot 190, Tracy City
$375,000
2 Beds ⋅ 1 Baths ⋅ 1533652 MLS
Tucked just minutes from the trails, water, and quiet beauty of a nearby state park, this thoughtfully designed tiny home offers the perfect escape from the noise of everyday life. Whether you're looking for a peaceful personal retreat or a smart investment property, this home delivers both while being only 1.5 hrs away from Nashville and less than an hour from Chattanooga. Enjoy it as your own nature getaway and let it generate reliable rental income while you're away. Enjoy the beautiful lake views from the front porch, or the sauna that is included with the property! This home is located within a private gated community inside The Retreat at Waters Edge with 894 sq ft of living space efficiently laid out to feel part of the surrounding scenery with a wrap around covered porch. The community offers walking trails, fire pits, fishing at the lake and a future swimming pool. It comes with a one year builder warranty for ease of mind and is the perfect place to return to a slower pace of life in the middle of Tennessee's stunning landscape. We are offering a limited-time investor special for those purchasing multiple homes as a bundled package. This a great opportunity to build a short term rental portfolio in a beautiful part of Tennessee.

44 Dwellings Drive Lot 179, Tracy City
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