Ooltewah Homes with USDA Loan Financing available

Ooltewah Homes with USDA Loan Financing available

Welcome to Ooltewah, Tennessee – a hidden gem nestled in the scenic landscapes of Hamilton County. This charming city offers a perfect blend of small-town warmth and modern conveniences, making it an ideal place for families, retirees, and everyone in between. With its lush greenery, rolling hills, and friendly community atmosphere, Ooltewah is a haven for those seeking a peaceful lifestyle without straying too far from urban amenities.

Ooltewah boasts a rich history and a vibrant culture, with plenty of recreational opportunities, parks, and local events that foster a strong sense of community. Residents enjoy easy access to the stunning natural beauty of the nearby Chattanooga area, including breathtaking views of the Appalachian Mountains and the serene waters of Chickamauga Lake. The city is also home to excellent schools, shopping centers, and dining options, ensuring you’ll have everything you need right at your fingertips.

For prospective homeowners, Ooltewah is particularly appealing due to the availability of USDA loan financing. This government-backed program is designed to make homeownership more accessible, especially for those looking to settle in rural and suburban areas. With USDA loans, qualified buyers can purchase homes with little to no down payment, making it an excellent opportunity for first-time buyers or those looking to upgrade their living situation.

Whether you’re searching for a cozy cottage or a spacious family home, Ooltewah offers a diverse range of properties to suit every need. Come explore the beauty and charm of Ooltewah, where your dream home awaits!

Newest Ooltewah Homes with USDA Loan Financing available

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
6607 Snow Hill Road, Ooltewah
$400,000
3 Beds ⋅ 3 Baths ⋅ 1543875 MLS
Picture-perfect Ooltewah living with 2.36 acres, Wolftever Creek access and room to enjoy life outdoors. Immaculately maintained and thoughtfully updated in a warm farmhouse style, this charming single-level home offers an unexpected combination of privacy, land and convenience just minutes from the heart of Ooltewah. A fenced front yard frames the picturesque setting, while the wide front porch, partially covered for year-round enjoyment, provides the perfect spot for morning coffee or relaxing at the end of the day. Inside, the exceptionally well-designed floor plan makes thoughtful use of every space. High ceilings, solid wood paneled doors and carefully selected finishes add character throughout the home. The open living and dining areas feel bright and spacious, with a custom built-in bar area offering additional storage and a natural spot for entertaining. The large kitchen overlooks the backyard and features quartz countertops, ample cabinetry and plenty of workspace for cooking and gathering. An incredible laundry room provides exceptional additional storage, making everyday organization easy without sacrificing living space. The home offers three bedrooms and two and a half baths, including a comfortable primary suite with a walk-in closet and private bath featuring a dual sink vanity and large tiled shower. Two additional bedrooms provide flexibility for family, guests or a home office, with another full bath featuring a tiled tub surround. The outdoor space is where this property truly sets itself apart. Step onto the large back deck and take in the expansive backyard with plenty of room for gardening, pets, play and entertaining. Beyond the open lawn, a wooded portion of the property leads to Wolftever Creek, creating a peaceful natural backdrop and an opportunity to enjoy the outdoors right at home. A separate workshop adds valuable space for hobbies, projects or storage, while additional covered parking provides room for a boat, recreational equipment or other toys. Enjoy the feeling of having your own little piece of Ooltewah without giving up convenience. Cambridge Square, shopping, restaurants, grocery stores, lake access and I-75 are all nearby. For buyers searching for an updated single-level home with acreage, a fenced yard, workshop, creek access and room for an outdoor lifestyle, this picturesque and immaculately maintained property offers a combination that is increasingly difficult to find. Buyer to verify all info.

6607 Snow Hill Road, Ooltewah
9217 Glimmer Lane 149, Ooltewah
$435,900
4 Beds ⋅ 3 Baths ⋅ 1543772 MLS
**Seller is Offering a Rate Buydown for a limited time only! Certain terms and restrictions apply. Incentive may end at any time. *** BRAND NEW FLOOR PLAN TO REFLECTIONS The new Marshall ''M'' comes complete with a gourmet kitchen w/ granite countertop featuring a large center ''H'' island with room for bar stools, stainless steel appliances and a walk-in pantry. Guest bedroom and FULL bathroom on the main floor great for your guests or older teen. The sizable second floor loft/media area makes a perfect game room for both the kids and kids-at-heart. A spacious master suite is found on the 2nd level ready for the owners to retire at night. Very nicely appointed master bath with granite counters, widespread faucets and a standup shower w/ niche. You'll find ALL the space in this master closet for all your clothes and shoes! Secondary bedrooms upstairs have walk-in closets and a full bathroom with double sinks complete the 2nd level. Come and view this brand new floor plan to Reflections. Trust Real Estate Group will be the broker for the transaction on the seller side. The broker for Trust Real Estate Group has a personal interest in sale of this home.

9217 Glimmer Lane 149, Ooltewah
8562 Seven Lakes Drive, Ooltewah
$425,000
3 Beds ⋅ 2 Baths ⋅ 1543404 MLS
Welcome to this charming one-level home nestled at the entrance of the esteemed Seven Lakes Subdivision in Ooltewah, TN. Embracing a serene and picturesque setting, this delightful residence offers three spacious bedrooms and two well-appointed bathrooms designed for comfort and convenience. As you step inside, you'll be greeted by an open, inviting layout that seamlessly merges living spaces with style and functionality. The heart of the home features a modern kitchen equipped with sleek appliances, and ample cabinetry. Adjacent to the kitchen is a lovely dining area leading into a comfortable living room perfect for relaxation or entertaining family and friends. Step outside to discover your private haven - an enclosed deck that offers year-round enjoyment regardless of the weather, alongside an open deck ideal for soaking up sunlit afternoons or stargazing in tranquil evenings. This outdoor retreat presents endless opportunities for alfresco dining, gardening, or merely unwinding amidst nature's beauty. With its prime location near local amenities while holding onto peaceful suburban charm, this Ooltewah gem stands as a testament to harmonious living - ready to welcome you home!

8562 Seven Lakes Drive, Ooltewah
8388 Snowdrop Way, Ooltewah
$629,000
5 Beds ⋅ 4 Baths ⋅ 1543060 MLS
Builder offering $10,000 towards Buyer's Closing Costs. <br><br> New construction in The Preserves at Savannah Bay, with a front exterior of board and batten siding and a stone water table that gives it a bit of quiet presence next to the rest of the street. Inside, the details worth noticing aren't loud ones, the weight of the tub, the grain running through the floor, a ceiling that was actually finished rather than painted white and forgotten. <br><br> Two Bedrooms Downstairs, Including the One That Matters <br><br> The primary suite sits on the main level, away from the noise of the rest of the house. Inside, a freestanding soaking tub sits beneath natural light, paired with a fully tiled walk in shower behind glass and a dual vanity with room to actually get ready in the morning without bumping elbows. Overhead, a tongue and groove ceiling adds a bit of texture that most builders skip because it takes longer and costs more. Here, it didn't get skipped. <br><br> A Living Space Built Around a Fireplace, Not a Floor Plan Diagram <br><br> The main living area centers on a white mantled fireplace, with light hardwood flooring running underfoot into the dining space beyond, framed by a French style door out to the back porch and a chandelier overhead that gives the room a bit of formality without trying too hard. A second living space at the front of the home holds a sectional and TV setup with big windows pulling in natural light, a quieter room for a quieter kind of evening. <br><br> A Kitchen That Was Planned by Someone Who Cooks <br><br> White cabinetry wraps a large island under pendant lighting, with a drop in gas cooktop, a proper range hood vent, and stacked built in wall oven and microwave, the kind of setup that comes from thinking about how a kitchen gets used, not just how it photographs. Natural gas runs to the home, feeding the cooktop and a tankless water heater, so hot water and cooking heat are never things you have to think about twice. <br><br> BUILDER OFFERING $10,000 towards closing costs. <br><br> Upstairs holds four more bedrooms and two full baths. Two of those bedrooms share a bath, while the largest has its own private ensuite, a real option for a guest, an in-law, or an older kid who wants a door of their own. The loft above deserves its own mention. It's not a landing or an afterthought, it's a second living room in scale, open enough to hold a media setup, a play space, or a home office without anyone feeling cramped for the privilege. <br><br> Floors, Ceilings, and a Few Choices Left for You <br><br> White oak engineered hardwood runs through the main living spaces, the kind of floor that ages instead of wearing out. The same tongue and groove ceiling treatment from the primary suite carries out to the front porch and the back porch, so the house feels considered from the inside to the outside of it. Even the garage door is left unfinished on purpose, the color is yours to choose, not the builder's. <br><br> Close to 75, Closer to a Round of Golf <br><br> Easy access to I-75 for the commute, and Ooltewah Club nearby for the days you'd rather be on a course than in a car. Nothing about this location asks you to pretend it's something it isn't. It's convenient, it's quiet, and the house on it happens to be built better than most of what's around it.

8388 Snowdrop Way, Ooltewah
6172 Chandler Hill Road, Ooltewah
$365,000
3 Beds ⋅ 2 Baths ⋅ 1542866 MLS
Tucked inside the desirable Hamilton on Hunter West community, this beautifully maintained one-level home offers a comfortable layout, thoughtful updates, and inviting indoor and outdoor spaces. With 3 bedrooms and 2 bathrooms, the home features an open-concept living and dining area that flows into the updated eat-in kitchen with stainless steel appliances, white cabinetry, and generous counter space. Bamboo hardwood flooring adds warmth throughout the main living areas. The spacious primary suite is privately positioned and includes an en suite bath with dual vanities and a large walk-in closet. Two additional bedrooms, a full bath, and a roomy laundry area are located on the opposite side of the home, creating a functional split-bedroom floor plan. Outside, enjoy a large screened porch and adjoining deck overlooking the expansive fenced backyard, offering plenty of room for entertaining, gardening, pets, or play. A two-car garage adds even more convenience. With its inviting layout, outdoor living space, and location in Hamilton on Hunter West, this home is ready to welcome its next owner.

6172 Chandler Hill Road, Ooltewah
7473 Tailgate Loop, Ooltewah
$449,000
3 Beds ⋅ 2 Baths ⋅ 1542638 MLS
Welcome home to Tailgate Loop, where effortless one-level living meets thoughtful design and quality craftsmanship. Built in 2023, this beautifully maintained home features numerous upgrades and luxury appointments selected by the sellers in collaboration with the builder. Cedar detailing adds warmth and character to the exterior, while the inviting foyer opens to two of three spacious bedrooms and a beautifully appointed adjoining bath with elegant tile finishes. Open-concept main living area seamlessly connects the family room, kitchen, dining space, and flexible bonus room. A tray ceiling, specialty lighting, and upgraded fans add style and comfort throughout. Your kitchen is designed for both everyday living and entertaining, featuring a gas cooktop, built-in electric wall oven, and microwave. The versatile flex room can easily serve as a home office, hobby room, playroom, or additional gathering space. Your spacious primary suite offers a peaceful retreat with beautiful tile work in the shower, a generous walk-in closet, and additional storage throughout the home. A functional mudroom, adjacent laundry room, and two-car garage provide convenience, while the garage offers access to a floored attic for valuable additional storage. Step outside to screened-in back patio overlooking level, fenced backyard. The adjoining grilling area includes a dedicated gas bib, making outdoor entertaining easy and enjoyable. Located in Ooltewah, Tailgate Loop offers convenient access to shopping, dining, and everyday amenities, along with a welcoming community atmosphere. Sidewalks connect neighbors to the saltwater pool, pool house, playground, dog park and community mailbox area. Lovingly cared for and exceptionally maintained, this thoughtfully designed home is ready for its next owner. Come discover the comfort, quality, and easy living this Tailgate Loop home has to offer.

7473 Tailgate Loop, Ooltewah
9510 Dutch Street 02, Ooltewah
$637,900
4 Beds ⋅ 3 Baths ⋅ 1542392 MLS
A perfectly sized home that checks all the boxes. The Cohen is a 4-bedroom one-story home featuring a modern kitchen with a walk-in pantry, and a spacious open-plan living area, artfully combining luxury and family comfort. With everything you need, one of its key features is a magnificent master bedroom with large bathroom and a huge walk-in-closet. There is also plenty of storage space located throughout the home and a three car garage to complete this perfect package. Trust Real Estate Group will be the broker for the transaction on the seller side. The broker for Trust Real Estate Group has a personal interest in sale of this home.

9510 Dutch Street 02, Ooltewah
8867 Skybrook Drive, Ooltewah
$440,000
3 Beds ⋅ 3 Baths ⋅ 1542057 MLS
Welcome to 8867 Skybrook Drive, a charming two-story home situated on an expansive lot in Ooltewah's desirable Providence Point community. Built in 2013, this inviting home offers approximately 2,000 square feet with three bedrooms, two-and-a-half bathrooms, hardwood flooring, and a comfortable layout designed for everyday living and entertaining. Downstairs you will find granite counter tops, coffered ceiling in the dining area, the primary bedroom and ensuite with double vanities, walk in tiled shower, soaking tub, laundry room, half bath, and screened in back porch! Upstairs are two generously sized bedroom both with huge walk in closets, and a full bathroom. The generous lot provides serenity and room away from neighboring homes with plenty of room to relax, play, garden, or create your dream outdoor space. Conveniently located near Ooltewah's shopping, dining, schools, and major commuter routes, this property combines neighborhood living with the space and privacy that are increasingly hard to find. Schedule your private showing and discover everything this Ooltewah home has to offer!

8867 Skybrook Drive, Ooltewah
6530 Elizabeth Ann Way, Ooltewah
$370,000
2 Beds ⋅ 2 Baths ⋅ 1541824 MLS
MUST SEE! Like new and thoughtfully upgraded, this beautifully maintained home in James Creek offers the best of easy, single-level living without the wait or work of new construction. Completed earlier this year, this Orchid floor plan has been gently lived in and enhanced with a number of stylish and practical upgrades. Designed with comfort and convenience in mind, the home features two bedrooms and two full baths, all on one level with no stairs. The open concept floor plan creates an inviting flow between the living, dining, and kitchen areas, while vaulted ceilings add an airy, spacious feel. The kitchen features granite countertops, stainless steel appliances, a pantry, under-cabinet lighting, and a beautiful tile backsplash. An upgraded range hood adds both style and function. Throughout the home, upgraded light fixtures and ceiling fans bring a more personalized, finished look. The primary suite offers a walk-in closet and private bath with a granite topped double vanity, along with an upgraded shower door that adds an elevated finishing touch. The second bedroom has its own attached full bath and additional storage, making it ideal for guests, family, or a flexible home office. The laundry room has been especially well thought out, with custom shelving and cabinetry providing exceptional organization and storage. Outside, the covered back porch is enhanced by an upgraded ceiling fan, creating a comfortable space to enjoy your morning coffee or unwind at the end of the day. James Creek offers low-maintenance living with lawn care included through the HOA. The convenient Ooltewah location is just minutes from Cambridge Square and I-75 and offers county-only taxes and EPB fiber internet availability. If you're looking for a home that feels fresh, modern, and truly move-in ready with upgrades already completed this one is it. Come see all the thoughtful details that make this home stand apart. Call to schedule your private tour today!

6530 Elizabeth Ann Way, Ooltewah
5773 Sarah Drive, Ooltewah
$395,000
3 Beds ⋅ 2 Baths ⋅ 1541634 MLS
Welcome home to this charming 3 bedroom, 2 bathroom ranch in the heart of Ooltewah, a property that truly blends comfort, convenience, and peaceful living. This well maintained home sits in the sought after Hamilton on Hunter South subdivision, offering an inviting covered front porch that leads into a spacious living area with gleaming hardwood floors and a cozy gas fireplace, perfect for relaxing evenings. The bright, airy kitchen features ample cabinet space and a gas stove, ideal for everyday cooking or hosting. The primary suite provides a serene retreat, while the additional bedrooms offer flexibility for guests or a home office. Step into the enclosed sunroom overlooking a large backyard, a wonderful space for entertaining, gardening, or simply unwinding in nature. (Sunroom not included in square footage.) Outside, you'll also find a 10×11 air-conditioned and heated outbuilding, currently used as an office, an excellent bonus for remote work or hobbies. The property backs up to state and federal land, making future development behind the home unlikely. Additional highlights include gas heating, gas water heater, HVAC serviced in March, and a 10-year-old roof. And yes, only county taxes. Close to top-rated schools and convenient amenities, this home offers the lifestyle so many buyers are seeking in Ooltewah. Don't miss your chance to own this beautiful property, schedule your private showing today.

5773 Sarah Drive, Ooltewah
Start Your Search