Cleveland Homes with FHA Financing available

Cleveland Homes with FHA Financing available

Welcome to Cleveland, Tennessee — a charming city nestled in the heart of Bradley County, where Southern hospitality meets modern living. Known for its rich history and vibrant community, Cleveland offers a unique blend of small-town charm and urban convenience. With a population that embraces diversity and a local culture that celebrates creativity, this city is the perfect place to call home.

Cleveland boasts a variety of amenities, including beautiful parks, local boutiques, and a thriving dining scene that caters to every palate. Outdoor enthusiasts will appreciate the stunning landscapes that surround the city, perfect for hiking, fishing, and exploring. The city also hosts several annual events and festivals that bring the community together, making it easy to get involved and meet new friends.

For those considering making Cleveland their home, you’ll be pleased to know that many homes in the area qualify for FHA financing. This means that first-time homebuyers and those looking to secure an affordable mortgage can take advantage of the benefits of Federal Housing Administration loans. With lower down payment requirements and flexible credit standards, FHA financing opens the door to homeownership for many families in Cleveland.

Whether you’re drawn to the city’s warm community spirit, its rich heritage, or the opportunity to own a home with accessible financing options, Cleveland, Tennessee, is ready to welcome you. Explore the diverse neighborhoods and find the perfect place to start your next chapter in this delightful city!

Newest Cleveland Homes with FHA Financing available

158 Caldwell Road SE, Cleveland
$244,900
3 Beds ⋅ 2 Baths ⋅ 1544292 MLS
If you've been searching for a home that offers plenty of space without stretching your budget, 158 Caldwell Road SE deserves a closer look! Priced to sell, this 3-bedroom, 2-bath home offers 1,936 square feet of living space and a great opportunity to make it your own. With a generous amount of square footage, there's room to spread out, entertain, work from home, or simply enjoy everyday living. Whether you're a first-time buyer, looking for a little more space, or searching for a home you can truly make your own, this property offers flexibility and possibilities. Finding a home with this much space at an attractive price isn't always easy, and that's what makes this one worth seeing. With so much potential and an opportunity to add your own personal touches, 158 Caldwell Road SE could be exactly what you've been waiting for. Great space, great potential, and priced with buyers in mind! Come take a look and see the possibilities for yourself.

158 Caldwell Road SE, Cleveland
1409 Holt Street SE, Cleveland
$219,900
2 Beds ⋅ 2 Baths ⋅ 1544284 MLS
This completely renovated home offers the feel of new construction with the charm of an established property. Everything is brand new all the way down to the floor joists! Improvements include new electrical, plumbing, roof, HVAC siding, floors, and windows. This beautifully redesigned home includes a brand-new kitchen which features new cabinets, granite countertops and stainless-steel appliances. The home offers two bedrooms, one and a half bathrooms, an attached carport and approximately half an acre. A home inspection has already been completed for buyers' peace of mind. Move-in ready and thoughtfully updated throughout! Come check it out before its gone!

1409 Holt Street SE, Cleveland
3388 Serenity Drive NE, Cleveland
$378,800
5 Beds ⋅ 3 Baths ⋅ 1544283 MLS
Situated on a corner lot in the convenient neighborhood of the Enclave at Weeks, this freshly painted 5-Bedroom, 3-full bath home is move in ready! This former model home features a low maintenance exterior, a guest bedroom or home office on the main level with access to a full bath with a walk-in shower - perfect for guests. The open floor plan features a very livable space with a large island, plenty of counterspace, a large walk-in pantry, a great room with a gas fireplace with direct access to the nice outdoor patio. Upstairs you find the large primary suite, with an oversized closet and a bath with a walk-in shower. The three additional bedrooms are nicely sized with access to a guest bath and the laundry - no need to carry the laundry down and back up! Need storage? This home has an abundance of closets. The nicely landscaped corner lot provides additional privacy for homeowners. Convenient to shopping, dining and I-75. Make your appointment today to see this one! Buyers to verify any information they deem important including square footage and school zones.

3388 Serenity Drive NE, Cleveland
1504 20th Street NW, Cleveland
$369,900
3 Beds ⋅ 2 Baths ⋅ 1544275 MLS
Welcome home to 1504 20th Street NW, a beautifully updated one-story rancher located in Cleveland's sought-after Everhart Subdivision. This inviting home offers three spacious bedrooms, two full bathrooms, and a convenient two-car garage. The single-level floor plan provides comfortable, easy living with plenty of room to relax, entertain, and make lasting memories. Recent updates add a fresh, move-in ready feel while preserving the warmth and charm that make a ranch-style home so desirable. Conveniently located to everything Cleveland has to offer. Don't miss your opportunity to see this wonderful property. Schedule your private showing today!

1504 20th Street NW, Cleveland
513 Clintons Pass NW, Cleveland
$385,000
4 Beds ⋅ 3 Baths ⋅ 1544273 MLS
Big on charm, low on maintenance! Tucked away on a cul-de-sac, this beautiful home offers a wonderful combination of comfortable living, inviting outdoor spaces, and a convenient location close to shopping, dining, and everyday necessities. The welcoming brick and concrete front porch sets the stage for what's inside. Step into a warm and inviting living room featuring a cozy fireplace and adjoining dining area. The kitchen has granite countertops, while the main-level primary suite offers a private retreat with a walk-in closet and ensuite bath complete with a relaxing jetted tub. Upstairs, you'll discover three spacious bedrooms, a full bathroom, and a versatile bonus room with endless possibilities. Whether you need a home office, hobby room, or additional hangout space, there's room to make it your own! But the outdoor living space might just steal the show! An expansive deck stretching the length of the home, complete with a pergola, creates the perfect setting for morning coffee, evening conversations, or weekend cookouts. The fenced backyard offers space for pets and play without the burden of maintaining a large lawn. Complete with a two-car attached garage, a cul-de-sac setting, and NO HOA fees, this home proves you don't need a huge yard to enjoy great outdoor living! Convenience, comfort, and a home that's ready for your next chapter!

513 Clintons Pass NW, Cleveland
1201 Harrison Pike, Cleveland
$220,000
3 Beds ⋅ 1 Baths ⋅ 1544258 MLS
Cozy Cabin-Style Ranch with Deck, Hardwood Floors & Room to Grow | 1201 Harrison Pike, Cleveland, TN Tucked along Harrison Pike with a peaceful creek beside the lot, this 3 bedroom, 1 bath ranch has the warmth and character of a classic cabin. Enjoy morning coffee on the covered front porch or fire up the grill on the large back deck. Inside, hardwood floors and an open flow between the living and dining areas lead to a spacious kitchen with abundant wood cabinetry, tile counters, and a breakfast bar. The bay window adds natural light and a cozy spot to relax. The unfinished basement is a blank canvas for storage, a workshop, or future living space, and the covered carport and mature trees add even more appeal. Perfect for first-time buyers, downsizers, or investors looking for potential. Schedule your showing today!

1201 Harrison Pike, Cleveland
2095 Shady Lane NE, Cleveland
$269,900
2 Beds ⋅ 2 Baths ⋅ 1544213 MLS
THE HOBACK- is a brand new townhome community and a brand new floorplan is being built! The Hoback is conveniently located off of the bypass and the 20th street exit close to Spring Creek! We are building new one level living plans! The Hoback community is our newest townhome community and these units will be complete in May 2026! The Loudon middle unit is very functional, complete with two bedrooms and two full baths, kitchen with island and bar seating, dining area, living room plus a flex space that can be used as an office or anything you desire and the middle units have a covered porch! Drive through and take a look and scan the QR code on the sign for more information! We are pre- selling these units NOW!

2095 Shady Lane NE, Cleveland
2093 Shady Lane NE, Cleveland
$269,900
2 Beds ⋅ 2 Baths ⋅ 1544212 MLS
THE HOBACK- is a brand new townhome community and a brand new floorplan is being built! The Hoback is conveniently located off of the bypass and the 20th street exit close to Spring Creek! We are building new one level living plans! The Hoback community is our newest townhome community and these units will be complete in May 2026! The Loudon middle unit is very functional, complete with two bedrooms and two full baths, kitchen with island and bar seating, dining area, living room plus a flex space that can be used as an office or anything you desire and the middle units have a covered porch! Drive through and take a look and scan the QR code on the sign for more information! We are pre- selling these units NOW!

2093 Shady Lane NE, Cleveland
4257 Jabalia Lane, Cleveland
$324,990
3 Beds ⋅ 3 Baths ⋅ 1544180 MLS
Move in Ready November! The Braselton II in the new Appalachia Park community. This new construction home features a rear corner covered patio directly accessible from the light-filled family room, creating the ideal setting for relaxing evenings, grilling, or entertaining guests. The open-concept layout highlights a spacious eat-in island kitchen overlooking the family room, making it perfect for gatherings and everyday living. Large windows in the family room and breakfast area, allow abundant natural light to fill the home, enhancing the bright and welcoming atmosphere. The kitchen boasts lovely, upgraded cabinets with granite countertops. Upstairs, a versatile loft space provides additional living flexibility--perfect for a media room, home office, playroom, or secondary living area. The loft also creates privacy between the luxurious primary suite and the two secondary bedrooms. The primary suite retreat features a generous walk-in closet, a private spa-style bath with a large tiled shower, and convenient access to the second-floor laundry room. Stylish Luxury Vinyl Plank flooring throughout the main living areas on the first floor provides durability and seamless flow from room to room, while 9-foot ceilings enhance the spacious feel of the home. Additional thoughtful design elements and natural light make this floor plan both functional and inviting. Located in Appalachia Park, this home offers the comfort of new construction with modern finishes, open living spaces, and outdoor entertaining potential. Amenities sidewalks, dog park and common area. Photos are representative of the floor plan and not the actual home. Seller incentives available with use of preferred lender.

4257 Jabalia Lane, Cleveland
301 High Street SE, Cleveland
$259,900
3 Beds ⋅ 2 Baths ⋅ 1544153 MLS
Welcome to 301 High St SE, a brand-new 2026 home offering 1,266 square feet of living space, 3 bedrooms, and 2 full bathrooms. Step inside to an inviting open-concept living, dining, and kitchen area highlighted by 9-foot ceilings throughout and abundant recessed lighting. The kitchen combines style and functionality with a large center island, shaker-style cabinetry, light countertops, tile backsplash, and a matching Frigidaire stainless-steel appliance package including refrigerator, electric range, microwave, and dishwasher. A deep single-basin stainless-steel sink and pull-out pantry storage add everyday convenience. The primary suite features a double vanity and tiled walk-in shower with built-in niche. Two additional bedrooms and the second full bathroom are located off a separate hallway, creating comfortable separation from the main living area. Each bedroom includes a ceiling fan with light plus four recessed lights. Additional features include a dedicated laundry closet designed for a stackable washer and dryer, covered front porch, two concrete driveway areas, rear deck, generous under-home storage with exterior access, and the added convenience of public access from the rear of the property. Located within the city of Cleveland with public water and sewer, this new construction home is ready for its first owner.

301 High Street SE, Cleveland
1103 Clingan Ridge Drive NW, Cleveland
$299,900
3 Beds ⋅ 2 Baths ⋅ 1544139 MLS
Charming, updated one-owner, single-level partial brick home ready for its next chapter. Ideally located in the heart of Cleveland, this property offers convenient access to downtown, medical facilities, dining, shopping, and more. This well-maintained home features 3 bedrooms, 2 full bathrooms, a spacious and bright living room, separate dining room, large eat-in kitchen, and a dedicated laundry area. Situated on a level corner lot, the property offers great curb appeal along with potential future opportunities, including possible rezoning (buyer to verify). Recent updates and improvements include: fresh interior and exterior paint, all new plumbing under the home (March 2026), new vapor barrier (2026), HVAC (2024), water heater (April 2024), roof (2022), new oven, cooktop, refrigerator, and dishwasher (2026), fully renovated bathrooms (2026), new flooring (2026), new windows, a new deck and Ram Jack foundation repair 2006 (Lifetime Warranty). A gabled carport provides covered parking and includes a secure utility/storage closet for added convenience. Schedule your private showing today.

1103 Clingan Ridge Drive NW, Cleveland
1105 Clingan Ridge Drive NW, Cleveland
$299,900
3 Beds ⋅ 2 Baths ⋅ 1544137 MLS
Charming, updated single-level partial brick home ready for its next owner. Conveniently located in the heart of Cleveland, this property offers easy access to downtown, medical facilities, restaurants, shopping, and more. The home features 3 bedrooms and 2 full bathrooms, along with a spacious, light-filled living room, separate dining room, large eat-in kitchen, and a dedicated laundry area. Recent updates and improvements include fresh interior and exterior paint, all new plumbing under the home (March 2026), new vapor barrier (2026), HVAC (2017), water heater (2020), roof (2022), new oven, cooktop, refrigerator, and dishwasher (2026), fully renovated bathrooms (2026), new flooring (2026), new windows, and a new deck. Enjoy a large, level yard ideal for outdoor activities and entertaining. The backyard extends beyond the existing fence line, offering additional usable space. A gabled carport provides convenient covered parking and includes a secure utility/storage closet. Schedule your private showing today.

1105 Clingan Ridge Drive NW, Cleveland
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