Rhea County Homes with USDA Loan Financing available

Rhea County Homes with USDA Loan Financing available

Welcome to Rhea County, Tennessee – a hidden gem nestled in the heart of the scenic Tennessee Valley! Known for its stunning landscapes, friendly communities, and rich history, Rhea County offers a perfect blend of rural charm and modern conveniences. With breathtaking views of the Appalachian Mountains and the serene waters of the Tennessee River, this area is a haven for nature lovers and outdoor enthusiasts alike.

Rhea County is home to several vibrant towns, including Dayton and Spring City, where you’ll find a delightful mix of local shops, restaurants, and recreational activities. Whether you’re exploring the historic sites linked to the Scopes Monkey Trial or enjoying a leisurely afternoon at the picturesque Chickamauga Lake, there’s something for everyone in this welcoming community.

For those looking to settle down in Rhea County, the housing market is thriving, with a variety of homes available to suit different lifestyles and budgets. One of the standout features of this area is the availability of USDA Loan Financing, making homeownership more accessible for families and individuals. This government-backed loan program is designed to support rural communities, allowing qualified buyers to purchase homes with zero down payment and favorable interest rates.

Imagine waking up in your dream home, surrounded by the natural beauty of Rhea County, while enjoying the peace of mind that comes with affordable financing options. Whether you’re a first-time homebuyer or looking to upgrade, Rhea County is the perfect place to start your next chapter. Explore the possibilities and discover why so many people are choosing to call this wonderful county home!

Newest Rhea County Homes with USDA Loan Financing available

515 Shelton Street, Graysville
$364,900
3 Beds ⋅ 2 Baths ⋅ 1546020 MLS
Completely renovated and move-in ready! This beautifully updated 3-bedroom, 2-bathroom home offers 2,116 square feet of comfortable one-level living with modern finishes and a thoughtfully designed floor plan. The open-concept living room and kitchen create a warm, inviting atmosphere, perfect for everyday living and entertaining. The kitchen is sure to catch your eye with its beautiful light sage green cabinetry, granite countertops, and brand-new Whirlpool appliances, including a refrigerator, electric range, and dishwasher. A new water heater adds to the many updates. The spacious primary suite is privately situated and features a lovely walk-in shower, double vanities, and a walk-in closet. Two additional bedrooms are located on the opposite side of the home and share a centrally located full bathroom with a single vanity, offering both comfort and convenience. Step outside to enjoy the beautiful backyard, complete with a charming fire pit and an open-air back deck. Whether you're gathering with friends around the fire or relaxing under the stars on a peaceful Tennessee evening, this outdoor space offers the perfect setting to unwind. With its complete renovation, desirable one-level layout, spacious floor plan, and inviting outdoor living spaces, this home is ready for its next owner. Come see all that 515 Shelton Street has to offer!

515 Shelton Street, Graysville
1740 Walnut Grove Church Road, Dayton
$325,000
3 Beds ⋅ 2 Baths ⋅ 1545962 MLS
Welcome to 1740 Walnut Grove Church Road in Dayton, Tennessee! This one-owner 3-bedroom, 2-bathroom home built in 2018 features a functional open-concept floor plan and beautiful country surroundings. Step inside to find vaulted ceilings, hardwood flooring, and an inviting living area that flows seamlessly into the spacious kitchen, featuring abundant cabinetry, a large island, and plenty of counter space for everyday living and entertaining. The primary bedroom offers a walk-in closet and private bathroom, while two additional bedrooms provide plenty of flexibility for family, guests, or a home office. An attached garage adds convenience and additional storage. Outside is where this property really shines! Enjoy a spacious fenced-in yard with plenty of room for animals, a chicken coop, and an above-ground pool for those warm summer days. Whether you're looking to start a small hobby farm, enjoy raising chickens, or simply have room to spread out, this property offers plenty of possibilities. Take in the peaceful country setting while still being within driving distance of downtown Dayton, shopping, dining, and everyday conveniences. Don't miss your opportunity to enjoy country living with the comforts of home!

1740 Walnut Grove Church Road, Dayton
109 Kathy Lane, Dayton
$489,900
3 Beds ⋅ 3 Baths ⋅ 1545958 MLS
Welcome to this charming farmhouse property in Dayton TN, which offers the perfect blend of country living with a spacious three bedroom 2.5 bathroom and a dedicated home office for your remote work needs. This beautiful two-level home offering attractive curb appeal and modern upgrades. This home provides large rooms and a over-sized Primay suite, providing space for comfort. Several windows in master for ample natural light. The Home has a new roof, and a stunning new kitchen with granite countertops, fresh paint throughout, Kitchen features a gas range with gas pack. The home boasts new lights, new fans, and light fixtures, creating a contemporary and stylish ambiance.. The downstairs floors have been refinished and stained, while new carpet has been installed in all bedrooms upstairs for a cozy feel. Enjoy outdoor living out back inside the new pricacy fenced back yard.- perfect for relaxing or entertaining guests. If you want a farm land environment- this is the house for you!! Wake up to daily views of local cows! The town offers many outdoor activities including Lake Fishing Tournamnets, festivals, hiking, off road trails, and outdoor play areas for kids. Miles from Bryan College, Call Dayton TN. HOME!!

109 Kathy Lane, Dayton
Tbd Old Washington Highway Off Highway, Dayton
$775,000
1545949 MLS
43 acres of beautiful East Tennessee countryside with sweeping mountain views, rolling pastures, mature woods, and no restrictions! Tucked away in Rhea County, this property offers privacy, gently rolling, usable terrain, and a beautiful combination of mostly cleared acreage and wooded land. Whether you're looking to establish a working farm, build a private country home, create a family homestead, or enjoy your own hunting and recreational retreat, there's plenty of room to make it your own. Expansive open fields offer opportunities for livestock, gardening, and agricultural use, while the wooded acreage provides natural privacy, wildlife habitat, and space to explore. Existing cross-fencing, a well, and connected electricity give you a head start on your plans. A seasonal creek bed adds to the natural character of the property, and the surrounding mountain views provide a beautiful backdrop in every season. Currently enrolled in Tennessee's Greenbelt program, this beautiful acreage offers a wonderful blend of open pasture, wooded land, and peaceful rural surroundings. With 43 acres to spread out, room for a variety of uses, and the kind of scenery that makes East Tennessee so special, this is a property you'll want to experience in person. Come walk the land, take in the views, and imagine the possibilities!

Tbd Old Washington Highway Off Highway, Dayton
225 Foothills Drive, Dayton
$325,000
3 Beds ⋅ 2 Baths ⋅ 1545905 MLS
Are you looking for a home that feels like home? Welcome to this beautifully maintained property offering the perfect blend of comfort, style, and functionality! From the inviting covered front porch to the thoughtfully designed interior, this home makes a wonderful first impression! Stepping inside you will discover an open-concept living, dining, and kitchen area featuring soaring vaulted ceilings, warm wood tones for the flooring and countertops, and a spacious layout designed for everyday living and entertaining. The kitchen is a true standout, showcasing modern cabinets, stainless steel appliances, and a large center island with seating - perfect for friends and family to gather round. The spacious living area flows seamlessly with the split floor plan, giving the perfect combination of inviting atmosphere and personal space. Outside, enjoy the welcoming neighborhood setting, easy to maintain yard, patio for those backyard bbq's, and the attached 2-car garage. With attractive curb appeal, modern interior design, and desirable neighborhood, you'll want to see this one in person. Whether you're looking for your first home or your next home, this property should be at the top of your list! Conveniently located 30 minutes from Chattanooga and an hour from Knoxville but minutes from downtown Dayton giving you the small-town TN lifestyle without having to compromise on the creature comforts or quality of your home! Preferred lender is offering a 1% lender credit for qualified buyers!

225 Foothills Drive, Dayton
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
$329,000
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
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
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
250 Ann Street, Dayton
$239,000
4 Beds ⋅ 2 Baths ⋅ 1545010 MLS
4 Bedroom 2 Bathroom Home for Sale (or Rent) by Owner / Agent. Rent to own also available (see terms below). New Luxury Vinyl Plank Floors New Gutter Guards Tile shower / tub combo Powerful Central HVAC Granite countertops Fenced in back yard Public sewer (no septic tank to worry about) Concrete driveway BUY TERMS $239k RENT TERMS 1,790/mo - 1 year term RENT TO OWN TERMS 1-2 year term with 15k down (fully refunded upon purchase) and 1600/mo payments (half of each refunded upon purchase of property) w 245k sale price. Contact your Realtor to schedule a viewing today!

250 Ann Street, Dayton
8790 Back Valley Road, Evensville
$279,900
4 Beds ⋅ 2 Baths ⋅ 1544954 MLS
RARE FIND A 4 BEDROOM AND 2 BATH HOME ON LARGE CORNER LOT JUST DOWN THE STREET FROM THE MIDDLE AND HIGH SCHOOL . REAR DECK FOR YOUR ENTERTAINMENT AND LARGE BACK YEARD FOR THE KIDS TO PLAY. REMODELED AND UPDATED WITH NEW APPLIANCES , NEW FLOORING AND PAINT

8790 Back Valley Road, Evensville
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
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