Rhea County Homes with Conventional Financing available

Rhea County Homes with Conventional Financing available

Welcome to Rhea County, Tennessee—a hidden gem nestled in the heart of the Volunteer State. Known for its picturesque landscapes and rich history, Rhea County is a delightful blend of small-town charm and modern conveniences. With its breathtaking views of the Tennessee River and the nearby Appalachian foothills, outdoor enthusiasts will find plenty of opportunities for hiking, fishing, and exploring the great outdoors.

Rhea County is home to vibrant communities like Dayton, known for its historical significance and welcoming atmosphere. Residents enjoy a relaxed lifestyle while having access to essential amenities, including shopping, dining, and recreational facilities. The county also boasts excellent schools and a strong sense of community, making it an ideal place for families and individuals alike.

For those considering a move to this enchanting region, Rhea County offers a variety of homes that cater to diverse tastes and budgets. Whether you’re searching for a cozy cottage, a spacious family home, or a charming historic property, you’ll find an array of options. Plus, many of these homes are eligible for conventional financing, making your dream of homeownership more accessible than ever.

With its affordable housing market and picturesque surroundings, Rhea County presents an incredible opportunity for buyers looking to invest in a vibrant community. Come and discover the beauty of Rhea County, where your dream home awaits amidst the rolling hills and friendly faces. Embrace the lifestyle that this remarkable area has to offer!

Newest Rhea County Homes with Conventional Financing available

436 Church Street, Graysville
$289,900
4 Beds ⋅ 2 Baths ⋅ 1545525 MLS
This beautifully refreshed 3-bedroom, 1-bath home in Graysville blends classic charm with meaningful updates throughout. From the moment you step inside, you'll appreciate the character of an older home paired with thoughtful improvements that make everyday living comfortable and inviting. Two fireplaces - one upstairs and one downstairs - create warm, welcoming spaces perfect for gathering or relaxing at the end of the day. The detached garage includes a separate apartment space that is currently being completed, offering incredible flexibility for future income potential, guest quarters, or multi-generational living. With work underway and completion anticipated, this additional living area adds both versatility and long-term value to the property. The fully fenced yard provides privacy and functionality, ideal for pets, outdoor entertaining, or simply enjoying your own space. Located just a convenient drive to Chattanooga, this home offers the charm of small-town living with access to city amenities and employment opportunities. Situated near the area's anticipated state park project, this location carries exciting long-term potential as recreational growth continues in the region. Whether you're looking for a primary residence with added flexibility or a property that offers options for supplemental income, this Graysville home presents a compelling opportunity.

436 Church Street, Graysville
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
120 Matthew Lane, Dayton
$333,900
3 Beds ⋅ 2 Baths ⋅ 1545502 MLS
**Assumable VA loan terms and rate!** Rare opportunity to take advantage of an assumable VA loan that could offer significant savings with a lower interest rate, reduced monthly payments and potentially thousands saved over the life of the loan. Charming 3 bedroom, 2 bath - all one level rancher in a quiet Dayton neighborhood. Enjoy your mornings sipping coffee on the front porch with stunning mountain views that are a must see to truly appreciate! Other notable features include: engineered hardwood floors and neutral color palette throughout. Beautiful kitchen upgrades in 2025 include: tile backsplash, cabinets, countertops, appliances, and paint. Huge primary bedroom easily accommodates king size bed, dressers, two nightstands and features walk-in closet. Additional two bedrooms feature engineered hardwood floors and generously sized closets. Dedicated laundry room with utility sink. Two separate pantries in the kitchen. The private backyard features a large deck, fence, and screened in porch. This home is truly special! Don't miss your opportunity to own it! *Buyer to verify all details provided. Assumable VA financing rate/terms subject to lender approval.

120 Matthew Lane, Dayton
297 W 14th Avenue, Dayton
$115,000
3 Beds ⋅ 1 Baths ⋅ 1545496 MLS
Excellent fix-n-flip opportunity! - Single-level 3 Bed 1 Bath Home with ''good bones'' - City Sewer (no septic tank to worry about) - Zoned for Dayton City School - Nice Yard Space - Just 4 minutes to Dayton downtown - Attached Carport - Detatched Shed This property is being sold as-is. Tax Deed owned free and clear of any liens. Owner/Agent listing. Contact your Realtor to schedule a showing.

297 W 14th Avenue, Dayton
358 Denton Lane, Dayton
$299,900
3 Beds ⋅ 2 Baths ⋅ 1545416 MLS
Enjoy a little more room to spread out at 358 Denton Lane! Situated on nearly an acre just outside the Dayton city limits, this 3-bedroom, 2-bath manufactured home offers 1,512 square feet of living space, a shady wooded setting, and no restrictions. Inside, the open-concept layout connects the kitchen, dining area, and living room, with wood-look flooring throughout. The kitchen brings plenty of personality with white shaker cabinets, marble-look countertops, stainless steel appliances, a farmhouse sink, vented range hood, shiplap accents, and a spacious island with seating. A built-in desk nook adds a convenient spot for working from home, managing paperwork, or keeping everyday life organized. The primary suite features a double vanity and glass-door shower, while the second bathroom also offers a double vanity. A separate laundry room adds everyday convenience. Outside, enjoy the shade of mature trees, a wood back deck, and a gravel driveway leading to a 20×30 detached red metal garage featuring a roll-up door, concrete floor, and electricity. With approximately 600 square feet of garage space, there's plenty of room for vehicles, tools, hobbies, or a workshop. And the location? That's another bonus. You're just minutes from Food City and everyday conveniences in Dayton, with easy access toward both Cleveland and Hixson. Enjoy the extra space and flexibility of living outside the city limits without feeling disconnected from everything you need. Nearly an acre, no restrictions, a detached garage, and a convenient location make this property well worth a look!

358 Denton Lane, Dayton
796 Muddy Creek Road, Spring City
$214,000
1545388 MLS
Discover 28.23 acres of recreational land at 796 Muddy Creek Road in Spring City, Tennessee! With more than 30+ individual ponds, abundant wildlife, and a peaceful natural setting, this unique property offers opportunities for hunting, fishing, and enjoying the outdoors. Whether you're looking for a private hunting retreat or a weekend getaway, there's plenty of room to explore. Heiskell Branch runs along the back of the property and through a portion of the acreage, adding to the natural landscape and wildlife habitat. The mix of water and surrounding land makes this an appealing setting for hunting waterfowl, deer, and other game. Larger fishing areas have been stocked with bass, catfish, bluegill, and white crappie. The seller has completed several improvements to support recreational use and water management. Three smaller ponds on the southern end have been combined, along with four on the northern end. Other upgrades include water control gates on the south side, a water control pipe on the north end, and gravity-fed piping serving many areas from the northern dam. The southern entrance has been widened by approximately 12 feet, and an older structure has been demolished. A solar-powered pump is being installed to assist with water management. Located within a flood zone, this property offers a unique opportunity for outdoor enthusiasts seeking acreage with established water features, fishing opportunities, and room to enjoy nature. The seller is happy to provide tours of the improvements to interested buyers! Local lenders are preferred. Schedule a time to take a guided tour of this property.

796 Muddy Creek Road, Spring City
311 William Drive, Spring City
$849,000
5 Beds ⋅ 3 Baths ⋅ 1545387 MLS
Welcome to 311 William Drive, a beautiful waterfront home on Watts Bar Lake offering incredible views, spacious living areas, and plenty of outdoor space to enjoy lake life! With 5 bedrooms, 3 full bathrooms, and multiple places to gather inside and out, this home is ideal for hosting friends or escaping for a relaxing weekend on the water. The main level features an open living area with beautiful lake views. The spacious kitchen offers white cabinetry, a large island, and additional bar seating. A generous dining area and comfortable living room centered around a cozy gas fireplace provide plenty of space to gather, with room for an additional table or sitting area. Large sliding glass doors open to the expansive back porch, bringing the outdoors into view. Imagine starting your morning with coffee, listening to the birds, and watching the lake from the screened porch. With a vaulted ceiling, fan, and shades, this inviting space is wonderful for outdoor meals or quiet evenings. An adjoining open deck offers even more room for grilling and entertaining. The primary bedroom enjoys beautiful water views, deck access, and a beautiful en suite bathroom. Two additional bedrooms and a second full bathroom complete the main level, with one bedroom also offering deck access and lake views. Downstairs, a large family room provides plenty of flexibility for a game room, movie nights, or second living area. Two spacious bedrooms and a full bathroom make this level especially convenient for guests. Sliding doors lead to a recently screened-in covered patio with a ceiling fan and more beautiful views of the water. Recent improvements include a completely regraded backyard and flagstone stairs leading toward the covered boat dock with a lift. Located along the main channel of Watts Bar Lake, the property offers beautiful scenery and direct access to the water. An attached two-car garage, additional two-vehicle carport with room for water toys, generous storage, whole-home generator, and no HOA add convenience. Some furnishings are negotiable, making it even easier to settle into your new lake getaway. Whether you're looking for a full-time home or weekend retreat, this property offers plenty of room to relax, entertain, and make lasting memories on the water. Local lenders are preferred. Schedule your showing today!

311 William Drive, Spring City
Lake Forest Drive Lot 72, Spring City
$30,000
1545344 MLS
Build your dream home in the heart of East Tennessee! Welcome to the Lake Forest community, where wooded acreage, light restrictions, and a neighborhood boat ramp offer the perfect blend of privacy, freedom, and outdoor adventure. With nearly an acre of wooded land and multiple potential building sites, this property offers the opportunity to create your own private retreat surrounded by nature. Whether you're dreaming of a full-time residence, a weekend getaway, or a peaceful place to retire, you'll love the serenity and possibilities this beautiful parcel provides. Ideally situated on Watts Bar Lake between the Piney River and Watts Bar Dam, the property offers convenient access to boating, fishing, hiking, and some of the region's most beautiful waterfalls and outdoor recreation. The neighborhood boat ramp makes getting out on the water easy, so you can enjoy the Watts Bar Lake lifestyle without needing a waterfront property. Just about an hour from Knoxville and Chattanooga, the property is also close to the town of Spring City, a charming small town with boutique shops, a summer farmers market, local festivals, restaurants, grocery stores, medical offices, and everyday conveniences. If you're searching for land for sale near Watts Bar Lake, wooded acreage in East Tennessee, a property with a boat ramp nearby, or the perfect spot to build a custom home, this Lake Forest property offers the space, natural beauty, and location to bring your vision to life. Come discover the possibilities and make East Tennessee home!

Lake Forest Drive Lot 72, Spring City
415 Windy Ridge Drive, Dayton
$43,000
1545277 MLS
Build your dream home on this 1.31-acre wooded lot in the established Hidden Hollow subdivision in Dayton, TN. Tucked away in a cul-de-sac, this property offers a natural, tree-lined setting just minutes from town and everyday amenities, with convenient access to Chattanooga and Knoxville. No HOA! Subdivision restrictions apply, including a minimum of 1,850 sq. ft. of heated living area.

415 Windy Ridge Drive, Dayton
146 Oliver Circle, Dayton
$392,900
5 Beds ⋅ 4 Baths ⋅ 1545187 MLS
Space, flexibility, and modern living await at 146 Oliver Circle in Dayton! Built in 2024, this spacious five-bedroom, three-and-a-half-bath home offers a versatile floor plan with a standout feature: a primary suite on each level! The main-level primary suite features a private bath with separate vanities, a separate shower, and a private water closet. Upstairs, a second primary suite offers its own full bathroom with separate vanities, a separate shower, and a private water closet. All five bedrooms feature walk-in closets, providing plenty of storage throughout the home. The open-concept kitchen, dining, and living area creates an inviting space for everyday living and entertaining. The kitchen features granite countertops, a center island, and all kitchen appliances. Prefer gas cooking? There is an option to install a gas oven in place of the electric oven. An additional room offers even more flexibility and can serve as a formal dining room, home office, or other space to suit your needs. Enjoy the privacy of a backyard with a wooded buffer, providing a natural backdrop for relaxing outdoors. An attached two-car garage adds convenience and extra storage. Located in Byrd Farms Subdivision in Dayton, this newer home offers a wonderful combination of space, functionality, and flexible living arrangements. The home is move-in ready, with occupancy available November 13 or earlier. Schedule your showing today!

146 Oliver Circle, Dayton
761 Toestring Cove, Spring City
$1,200,000
5 Beds ⋅ 4 Baths ⋅ 1545174 MLS
SPECTACULAR LEVEL POINT LAKEFRONT - WATERFRONT LIVING AT ITS FINEST! A Rare Waterfront Opportunity. Experience the beauty of lakefront living with this exceptional level, point property perfectly positioned to capture breathtaking water views! Situated on a desirable corner lot with approximately 200 feet of waterfront, this remarkable property offers the space, versatility, and waterfront lifestyle you have been dreaming of. Boasting 5 bedrooms, 3½ baths, and approximately 3,000 square feet of living space, this spacious home offers plenty of room for family, friends, and entertaining. Gather around the cozy fireplace, relax with expansive decking and patio areas to enjoy and take in the beautiful lake views, or spend your days enjoying the water from your covered dock. One of the property's standout features is its separate living quarters, ideal for guests, or multigenerational living. Need even more space? You will love the additional square footage offering exciting possibilities for future expansion, hobby rooms, a workshop, or customized space to fit your lifestyle. Complete with a garage and an incredible level waterfront setting, this property combines comfort, flexibility, and endless potential. Shop, storage and garage under apartment are all climate controlled. Whether you are searching for a full-time lakefront residence, a weekend retreat, or a special place to create lasting family memories, this one checks all the boxes. Lakefront opportunities like this are truly something special. Come experience the views, the space, and the lifestyle for yourself!

761 Toestring Cove, Spring City
418 College Street, Dayton
$385,000
4 Beds ⋅ 3 Baths ⋅ 1545136 MLS
Welcome to this beautifully updated 4-bedroom, 2.5-bath home offering comfort, space, and convenience! Located just minutes from town and within walking distance of Bryan College, this home is perfectly situated near local shopping, dining, and amenities while still offering a private setting. Enjoy the amazing open porch, perfect for relaxing, entertaining, or enjoying the outdoors. With its updated interior, spacious layout, and desirable location, this home is one you won't want to miss!

418 College Street, Dayton
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