Ooltewah Homes with USDA Loan Financing available

Ooltewah Homes with USDA Loan Financing available

Welcome to Ooltewah, Tennessee – a hidden gem nestled in the heart of Hamilton County. This charming city boasts a perfect blend of suburban tranquility and vibrant community life, making it an ideal place for families, retirees, and everyone in between. With its picturesque landscapes, friendly neighborhoods, and a strong sense of community, Ooltewah is more than just a place to live; it’s a place to thrive.

Ooltewah is known for its excellent schools, beautiful parks, and a variety of recreational activities. The nearby Greenway provides miles of scenic trails for walking, biking, and enjoying the great outdoors. Whether you’re exploring the local shops, indulging in delicious dining options, or participating in community events, Ooltewah has something for everyone.

For those considering making Ooltewah their home, you’ll be pleased to know that many properties in this area qualify for USDA loan financing. This means that you can take advantage of 100% financing options, making homeownership more accessible than ever. The USDA loan program is designed to assist low to moderate-income families in rural and suburban areas, and Ooltewah perfectly fits the bill. With its affordable housing market and a range of homes available, from charming single-family residences to modern townhouses, you’ll find the perfect place to call home.

So, whether you’re looking to settle down in a welcoming community or invest in a promising real estate opportunity, Ooltewah, TN, is the place to be. Come and discover the warmth and beauty of Ooltewah – your dream home awaits!

Newest Ooltewah Homes with USDA Loan Financing available

6523 Elizabeth Ann Way Lot 89, Ooltewah
$370,000
2 Beds ⋅ 2 Baths ⋅ 1545056 MLS
MOVE-IN READY + INCREDIBLE INCENTIVEs! Potential interest rate of 5.5% for qualified buyers! For a limited time, receive $15,000 towards Closing Costs, Rate Buy-Down, or HOA Dues. Must close within 30 days of contract. Final Opportunities in James Creek! Located in Ooltewah, TN, the Orchid floor plan offers 2 bedrooms and 2 full baths all on one level with no stairs, making everyday living easy and comfortable. The open concept layout features vaulted ceilings and a bright, welcoming living space. The kitchen includes granite countertops, stainless steel appliances, tile backsplash, a pantry, and a conveniently located laundry area. The primary suite offers a walk in closet and a full bath with a tile shower and granite topped double vanity. The second bedroom includes its own attached full bath and additional storage. Enjoy low maintenance living with lawn care included through the HOA. Just minutes from Cambridge Square and I 75, James Creek offers county only taxes, EPB fiber internet availability, and a one year builder warranty. A privacy fence will be added behind the home along Ooltewah Georgetown Road. More Photos to Come! Schedule your private tour today.

6523 Elizabeth Ann Way Lot 89, Ooltewah
6515 Elizabeth Ann Way Lot 88, Ooltewah
$368,000
2 Beds ⋅ 2 Baths ⋅ 1545055 MLS
MOVE-IN READY + INCREDIBLE INCENTIVEs! Potential interest rate of 5.5% for qualified buyers! For a limited time, receive $15,000 towards Closing Costs, Rate Buy-Down, or HOA Dues. Must close within 30 days of contract. Final Opportunities in James Creek! Located in Ooltewah, TN, the Orchid floor plan offers 2 bedrooms and 2 full baths all on one level with no stairs, making everyday living easy and comfortable. The open concept layout features vaulted ceilings and a bright, welcoming living space. The kitchen includes granite countertops, stainless steel appliances, a pantry, and a conveniently located laundry area. The primary suite offers a walk in closet and a full bath with a granite topped double vanity. The second bedroom includes its own attached full bath and additional storage. Enjoy low maintenance living with lawn care included through the HOA. Just minutes from Cambridge Square and I 75, James Creek offers county only taxes, EPB fiber internet availability, and a one year builder warranty. A privacy fence will be added behind the home along Ooltewah Georgetown Road. More Photos to Come! Schedule your private tour today.

6515 Elizabeth Ann Way Lot 88, Ooltewah
6522 Elizabeth Ann Way Lot 116, Ooltewah
$425,000
3 Beds ⋅ 3 Baths ⋅ 1545053 MLS
MOVE-IN READY + INCREDIBLE INCENTIVEs! Potential interest rate of 5.5% for qualified buyers! For a limited time, receive $15,000 towards Closing Costs, Rate Buy-Down, or HOA Dues. Must close within 30 days of contract. Final Opportuniteis in James Creek! This well upgraded and spacious home offers flexible living in the desirable James Creek community. Located in Ooltewah, TN, the Daisy floor plan features 3 bedrooms and 3 full baths with an open concept design ideal for everyday living and entertaining. The main level includes a large great room, a well appointed kitchen with granite countertops, stainless steel appliances, tile backsplash and pantry storage, along with a generous primary suite, with a tile shower, a second bedroom, a full bath, and a conveniently located laundry room. Upstairs offers an additional bedroom and a third full bath, perfect for guests, a home office, or extra living space. The large upstairs loft offers an additional entertaining area or second living room. Enjoy low maintenance living with lawn care included through the HOA. Just minutes from Cambridge Square and I 75, this home offers county only taxes, EPB fiber internet availability, and a one year builder warranty. Schedule your private tour today! (Photos are of another Daisy plan home. Finishes are different in this home. More photos to come!)

6522 Elizabeth Ann Way Lot 116, Ooltewah
6320 Ooltewah Georgetown Road, Ooltewah
$550,000
3 Beds ⋅ 3 Baths ⋅ 1544841 MLS
If you're looking for space, convenience, and a home you can continue making your own, this property has a lot to offer you. Centrally located just 1 mile from Cambridge Square and minutes from shopping, restaurants, schools, the interstate, and everyday conveniences, the home sits on approximately one acre with mature trees, a large lawn, and a spacious backyard. A large double-entry circular driveway makes coming and going easy. The main home offers approximately 2,556 square feet with three bedrooms, 2½ bathrooms, and plenty of room to spread out. The first-floor primary bedroom includes a walk-in closet and a private bathroom with a walk-in shower, while two very spacious bedrooms upstairs share a full bathroom with a tub/shower combination. Several major updates have already been completed for you. The kitchen was remodeled in 2026 with granite countertops, tile backsplash, updated lighting, and under-cabinet lighting. A recently updated pantry provides additional storage, and the downstairs half bath has also been remodeled. One of the most unique features of the property is the separate apartment above the garage, completed in 2023. With its own private exterior entrance, a full kitchen with granite countertops, a full bathroom, living space, and its own laundry, it offers excellent income potential as a rental, or an ideal setup for extended family, guests, a private home office, or other flexible uses. Including the apartment, the property offers approximately 3,057 square feet of finished living space. If you're looking for space, convenience, and a home you can continue making your own, this property has a lot to offer you. Centrally located just 1 mile from Cambridge Square and minutes from shopping, restaurants, schools, the interstate, and everyday conveniences, the home sits on approximately one acre with mature trees, a large lawn, and a spacious backyard. A large double-entry circular driveway makes coming and going easy. The main home offers approximately 2,556 square feet with three bedrooms, 2½ bathrooms, and plenty of room to spread out. The first-floor primary bedroom includes a walk-in closet and a private bathroom with a walk-in shower, while two very spacious bedrooms upstairs share a full bathroom with a tub/shower combination. Several major updates have already been completed for you. The kitchen was remodeled in 2026 with granite countertops, tile backsplash, updated lighting, and under-cabinet lighting. A recently updated pantry provides additional storage, and the downstairs half bath has also been remodeled. One of the most unique features of the property is the separate apartment above the garage, completed in 2023. With its own private exterior entrance, a full kitchen with granite countertops, a full bathroom, living space, and its own laundry, it offers excellent income potential as a rental, or an ideal setup for extended family, guests, a private home office, or other flexible uses. Including the apartment, the property offers approximately 3,057 square feet of finished living space. You'll find no shortage of living space throughout the home, with three separate living areas. One includes an additional small kitchen area that could easily work as a wet bar or entertaining space, or be reimagined to fit your needs. There is also a fireplace hearth for a wood stove. The oversized garage is another standout feature. With the depth and space to accommodate as many as four vehicles, you'll have plenty of room for parking, storage, hobbies, or a workshop. The home also features front and back porches, a newer HVAC system installed in 2021, and a new hot water heater installed in 2026.

6320 Ooltewah Georgetown Road, Ooltewah
9008 Gentle Breeze Way, Ooltewah
$779,000
4 Beds ⋅ 4 Baths ⋅ 1544676 MLS
BRAND NEW RIVER STONE CONSTRUCTION MODEL HOME in Faith View, a brand new subdivision in the wonderful community of Ooltewah, Tennessee! We are pre-selling for this subdivision now! This home won BEST OVERALL in the Parade of Homes tour from the Chattanooga Home Builder's Association! The Carolina plan is a little over 2800 sq ft and offers 4 bedrooms and 3.5 baths plus a bonus room! Please make a point to stop in and see all of the features this home has to offer! From the sleek kitchen design to the outdoor fireplace located on the screened in porch, no detail was left out of this gorgeous home! Stop by and take a look! River Stone Construction offers a one year builder warranty on new construction homes.

9008 Gentle Breeze Way, Ooltewah
5345 Hunter Road, Ooltewah
$240,000
3 Beds ⋅ 2 Baths ⋅ 1544649 MLS
Tall shade trees, a deep 1.23-acre lot, and no HOA set the tone at this single-level Ooltewah home. Inside, 1,507 square feet of open living flows from the living room to the dining area and kitchen, with luxury vinyl flooring through the main spaces and wood-trimmed interior windows that carry light from room to room. The kitchen is a bright, clean space with soft gray cabinetry, dark countertops, and a full lineup of stainless appliances: a convection oven, microwave, dishwasher, and side-by-side refrigerator with ice maker. A wide window over the double sink lets the daylight pour in. The living room is where the character shows. A propane gas log fireplace sits between warm wood built-ins and open bookshelves, wainscoting wraps the walls, and a glass door opens to the screened rear porch. That porch is sure to become a favorite spot, looking out over the fenced back yard and the woods beyond. The primary bath has a corner soaking tub, a separate shower, and a pair of windows that keep it light. Two more carpeted bedrooms share a full bath with a tub/shower combo, and there's a roomy walk-in closet with wire shelving. A laundry room with wood cabinets and its own exterior door handles the everyday. Outside, a covered front porch welcomes you in, the back yard is enclosed with chain-link fencing, and the gravel drive has plenty of room to park. The big-ticket items are recent, too: the roof is about 5 years old, and the heat pump and water heater are about 4. This manufactured home has been de-titled and sits on a permanent block foundation. Bring your ideas for the yard and schedule a private showing!

5345 Hunter Road, Ooltewah
4423 Katie Kim Lane, Ooltewah
$345,000
3 Beds ⋅ 2 Baths ⋅ 1544623 MLS
Space to gather, room to unwind, and a place to write your next chapter--welcome to 4423 Katie Kim Ln now available in the Apison area. Zoned for Apison Elementary School, this 3-bedroom, 2-bath home offers an inviting, versatile floor plan with two separate living areas. The spacious kitchen and dining room combination makes gathering easy, while the front living room offers a welcoming retreat. In the back, a beautiful, window-filled family room pairs abundant natural light with the warmth and character of a wood-burning fireplace. LVP flooring installed throughout within the past three years creates a cohesive feel, and the extended porch offers space to relax and enjoy the outdoors. The generous yard provides room to play, garden, or unwind, complemented by ample storage. A soaking tub and tile shower add to the home's appeal. The roof and HVAC were replaced in 2013. With a great layout, comfortable gathering spaces, and room to add your personal touch over time, this home is ready for its next chapter.

4423 Katie Kim Lane, Ooltewah
8110 Ooltewah Georgetown Road, Ooltewah
$625,000
3 Beds ⋅ 1 Baths ⋅ 1544601 MLS
Set on 5.53 acres of open pasture and mature oaks, this Ooltewah property opens to a panoramic mountain view and the kind of room that lets you spread out. The land is cleared and wire fenced, with a barn, a pole barn, an equipment building, and a pond, all a short drive from I-75 at exit 11. The home is a 1972 brick ranch with 1,684 square feet on one level, built on a block foundation under a shingle roof. Inside are 3 bedrooms and 1 full bath, a living room, and a separate dining room. The family room is the one you'll gravitate to, built around a wood-burning fireplace with built-in bookcases. A main-level laundry room, central heat and air, and ceiling fans round out the interior, and the house is ready for a new owner to update and make their own. Out back, a covered brick porch looks across the acreage and the big shade trees, a good spot for morning coffee or watching the evening light settle on the ridgeline. A gravel drive winds up to the house and a side-entry 1-car garage, with plenty of open ground left over for a shop, a garden, or more outbuildings. The setting gives you options. It works as a small farm or hobby property, a place to put the barns and pasture to work, or simply a home with real elbow room and a view. The parcel fronts a public, state-maintained road and is served by public water. Buyers interested in future residential or commercial use should verify zoning and permitted uses with Hamilton County. Walk the land and see the view for yourself. Private showings are available by appointment.

8110 Ooltewah Georgetown Road, Ooltewah
7210 S Wolftever Drive, Ooltewah
$360,000
3 Beds ⋅ 2 Baths ⋅ 1544424 MLS
Looking for a home that offers privacy, space, and plenty of opportunities to relax and entertain? Situated on 1.45 acres in Ooltewah, just minutes from Wolftever Creek, this charming 3-bedroom, 2-bath home offers 2,224 square feet of living space, a finished basement, and outdoor amenities that make it easy to enjoy the peaceful surroundings. Inside, you'll find a welcoming living room featuring updated flooring and a beautiful stone fireplace that serves as the focal point of the space. The updated kitchen offers granite countertops, white cabinetry, stainless steel appliances, a stylish tile backsplash, and plenty of cabinet and counter space. One of the kitchen's standout features is the impressive professional refrigerator setup, featuring two full-size units positioned side by side for exceptional storage capacity. The updated main-level bathroom features a beautifully designed custom-tiled walk-in shower with built-in niches and modern finishes. The finished basement adds even more versatility to the home, featuring rustic wood walls, attractive metal accents, and a warm, cabin-inspired atmosphere. Whether you envision a recreation room, guest retreat, home office, or additional living space, this area offers plenty of possibilities. The updated downstairs bathroom adds to the appeal with a freestanding soaking tub, vessel sink, and rustic finishes that complement the space. Step outside and discover where this property really shines! Multiple outdoor entertaining areas provide the perfect setting for relaxing, grilling, or gathering with friends and family. Enjoy the spacious deck, unwind in the hot tub, or spend summer afternoons around the above-ground pool with its adjoining deck. The elevated rear deck and lower-level patio offer additional places to take in the natural surroundings. With 1.45 acres of land, there's room to spread out, enjoy the outdoors, and appreciate the privacy provided by the surrounding trees. The property offers a peaceful setting while remaining conveniently located in the desirable Ooltewah area, with Wolftever Creek nearby. If you've been searching for a home that combines updated interiors, flexible living space, and outdoor amenities on a spacious lot, this one deserves a closer look. Schedule your private showing today!

7210 S Wolftever Drive, Ooltewah
5558 Tucker Road, Ooltewah
$545,000
3 Beds ⋅ 2 Baths ⋅ 1544242 MLS
Welcome to 5558 Tucker Rd, where custom craftsmanship meets comfortable Ooltewah living! Built in 2022, this beautiful custom home sits on nearly an acre and offers the space, privacy, and flexibility you've been looking for. The fully fenced yard provides plenty of room for pets, play, entertaining, gardening, or simply enjoying the outdoors, while mature fruit trees add a unique and inviting touch to the property. Inside, you'll find the quality and modern appeal of newer construction, thoughtfully designed for today's lifestyle. The basement offers an abundance of potential and room to expand, providing an excellent opportunity to create additional living space, a home office, media room, gym, workshop, or whatever best suits your needs. With a large private lot, fenced backyard, fruit trees, custom construction, and valuable expansion potential, this exceptional Ooltewah property is one you won't want to miss!

5558 Tucker Road, Ooltewah
7583 Coolidge Lane, Ooltewah
$700,000
4 Beds ⋅ 2 Baths ⋅ 1544219 MLS
Ten cleared and lightly wooded acres, a deep charcoal exterior, and a timber-framed gable entry set the tone for this Ooltewah property before you ever reach the door. This is a true top to bottom renovation, and not just of the house. The home, the outbuildings, and the land itself have all been brought back to life, with the grounds cleared, opened up, and fully landscaped to showcase a setting that feels wonderfully secluded, and functional. A circular drive leads you in to a bright, open main level with refinished hardwood floors, a fully updated kitchen with a sunny dining nook, and a living room that gathers around a wood-burning stove, framed by French doors and custom built-ins. The primary bedroom is conveniently located on the main level alongside a beautifully finished full bath, a mudroom with built-in storage, a flex room, and laundry. Upstairs, an A-frame loft opens through French doors to its own balcony deck, and three additional bedrooms include one with a walk-in closet and a private deck of its own. A second full bath serves the upper level. Every room, upstairs and down, has been touched by the renovation, so the home is truly move-in ready. Then there's the land. Beyond the attached 2-car garage, a detached garage and workshop and a covered 2-space carport have been renovated right along with the house. A covered wraparound porch, new decks, open lawn, and mature trees (one with a swing already hung) complete a property that has been thoughtfully restored from the ground up. Come see it in person and arrange a private tour!

7583 Coolidge Lane, Ooltewah
7603 Cliff Point Lane, Ooltewah
$115,000
1544069 MLS
1.03 acre lot in quiet a culdesac, located in Royal Harbour Estates. This community has lake access, community clubhouse, pool and tennis courts. This lot is for sale with a first right of refusal provided to the purchaser of the adjoining home at 7334 Royal Harbour Circle that is currently listed for sale.

7603 Cliff Point Lane, Ooltewah
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