Ringgold Homes with USDA Loan Financing available

Ringgold Homes with USDA Loan Financing available

Welcome to Ringgold, Georgia—a charming city nestled in the scenic foothills of the Appalachian Mountains. Known for its rich history, friendly community, and stunning landscapes, Ringgold offers a unique blend of small-town charm and modern conveniences. With a population of just over 3,500 residents, this vibrant city is the perfect place for families, retirees, and anyone looking to enjoy a peaceful yet active lifestyle.

One of the standout features of Ringgold is its commitment to preserving its historical heritage while embracing growth and development. The city boasts a variety of local shops, restaurants, and parks, making it an inviting place to explore. The annual events, such as the Ringgold Opry and the Catoosa County Fair, foster a strong sense of community and provide plenty of opportunities for residents to connect and celebrate.

For those considering homeownership in Ringgold, the availability of USDA loan financing is a noteworthy advantage. This program is designed to assist low to moderate-income households in rural and suburban areas, providing them with affordable mortgage options. With USDA loans, you can enjoy benefits such as no down payment and competitive interest rates, making it easier to purchase your dream home in this picturesque city.

Whether you’re drawn to Ringgold’s historical charm, its welcoming community, or the financial advantages of USDA financing, this delightful city is ready to welcome you home. Explore the possibilities and discover why Ringgold, Georgia, is the perfect place to put down roots!

Newest Ringgold Homes with USDA Loan Financing available

$380,000
3 Beds ⋅ 3 Baths ⋅ 1541238 MLS
Welcome to Hickory Hills and Ringgold Schools! This 2,400 finished square foot home features 1,600 square feet on the main level and an 800 square foot completed lower level. The main floor offers an open-concept layout linking the living room, dining room, and kitchen, along with two bedrooms and two full bathrooms. The kitchen and all bathrooms have been updated: find granite countertops, tile, and new flooring that runs throughout the entire house. The completed downstairs area includes a living space, one bedroom, one full bathroom, and two additional windowless rooms suitable for home offices or alternative use, one in which the Seller has been using as additional bedrooms. The property is located in an HOA-free neighborhood within the Catoosa County School District and is situated 3.4 miles from I-75 Exit 348. Come check out this wonderful place! Buyer to verify all listing data, square footage, schools, and anything else of importance. Info is deemed accurate but is not warranted.

49 Hickory Hill Lane, Ringgold
$260,000
3 Beds ⋅ 2 Baths ⋅ 1541139 MLS
Come home to relax at 404 Southern Dr. This ranch home with a rocking chair front porch even features roll-down shades to keep the sun off in the evening. Just 15 minutes from the I-75/24 split this home is VERY convenient to some of the best schools around (Ringgold Elem & Heritage Middle/High) and downtown Ringgold. As you enter you will see an open floorplan with vaulted ceilings. The living room with hardwood floors is to the front and the kitchen, moveable island, and dining area are to the back. The washer and dryer in the laundry room remain as well as all of the kitchen appliances so no need to worry about those expenses. The primary bedroom has a double tray ceiling and an en suite that has a a double vanity, a whirlpool tub, and a separate shower and toilet room. You won't have to take turns getting ready. The 2 additional bedrooms are both large and both have great ceilings. One is cathedral and the other is double trey! This completes the inside. Now let's explore out back to find both a covered screened in porch and a deck within this level privacy fenced yard. Come see this home, fall in love and make it yours!

404 Southern Drive, Ringgold
$330,000
3 Beds ⋅ 2 Baths ⋅ 1540934 MLS
There's something special about finding a home in a place you can truly picture yourself settling into--and this Ringgold home has so much to offer. Located in a highly desirable area with sought-after schools, this 3-bedroom, 2-bath home offers approximately 1,900 square feet of comfortable living space and plenty of room to make it your own. Whether you're gathering around the table for family dinners, enjoying a quiet morning at home, or creating memories for years to come, this home offers the space and setting to make those moments special. Conveniently located near schools, shopping, dining, and everyday amenities, you can enjoy the best of a peaceful residential setting while still being close to everything you need. If you've been waiting for a home in a great location where you can put down roots and make it your own, this one deserves a spot at the top of your list. ❤️ Come take a look--you just might walk in and feel like you're home. Buyer is responsible for verifying all information deemed important including but not limited to school zones, square footage and anything else they deem important.

92 Abbey Road, Ringgold
$299,000
3 Beds ⋅ 2 Baths ⋅ 1540900 MLS
Welcome home! Come check out this super cute home conveniently located in Ringgold just off Alabama Hwy. It offers an efficient floor plan and is situated on a beautiful double corner lot. Recent updates include a new deck, gutters, interior paint, carpet, HVAC, and garage door opener. Enjoy easy one level living with a great outdoor setting. Located in Catoosa County's sought after Heritage school zone. This is a wonderful opportunity for buyers looking for a move in ready property with numerous recent updates.

19 Melissa Drive, Ringgold
$339,900
4 Beds ⋅ 2 Baths ⋅ 1540699 MLS
Welcome Home to Country Charm Conveniently Located Near Everything! Enjoy the best of both worlds with this beautifully updated home nestled near the foot of the mountain, offering a peaceful country feel while being just a few minutes from downtown Ringgold and the interstate. Zoned for sought-after Catoosa County Schools, this home offers both comfort and convenience in a fantastic location. Inside, you'll find beautiful hardwood flooring, a cozy gas-log fireplace, and a spacious layout featuring an en-suite bedroom on the main level. The kitchen features oak cabinetry, a pantry and stainless-steel appliances, with a separate dining area perfect for family meals or entertaining. Recent updates include a brand-new roof with a 30-year transferrable warranty, fresh paint, and a new water heater. Appliances, HVAC system and deck/porch railings were added in 2024. Step outside to relax on the cozy front porch or enjoy the screened-in back deck overlooking a peaceful backyard. An additional feature includes a 2-car garage with ample storage space. Don't miss your opportunity to enjoy this move-in ready home with country charm and everyday convenience all in one place!

98 Chestnut Ridge Road, Ringgold
$294,900
4 Beds ⋅ 3 Baths ⋅ 1540615 MLS
Welcome home to this beautifully refreshed gem in the heart of Ringgold! Perfectly blending classic charm with modern upgrades, this 4BR/2.5BA residence offers a turnkey opportunity for buyers looking for style and value. Step inside to discover a bright and inviting interior featuring fresh paint throughout. The heart of the home is the brand-new, fully renovated kitchen, designed for both functionality and aesthetic appeal. The bathrooms have also been completely transformed with modern finishes, ensuring a spa-like experience. The main level layout maximizes the 1,988 sq ft footprint, offering comfortable living spaces for the whole family. Step outside to enjoy the expansive new deck, perfect for morning coffee or evening entertaining. The property includes a large, fenced back yard, providing a secure space for play and pets, along with the added convenience of a spacious 2-car garage. Mechanically sound with good plumbing and electrical systems, and a reliable HVAC unit (approx. 10 yrs old), this home is ready for move-in. Located in a sought-after Ringgold neighborhood, you will enjoy quick access to local schools, shopping, and dining. Do not miss your chance to own this renovated retreat. Schedule your private showing today before it is gone!

213 Morris Drive, Ringgold
$425,000
5 Beds ⋅ 2 Baths ⋅ 1540606 MLS
5 bedrooms on the main level, privacy, land, and a large workshop area in basement/garage! This home checks a lot of boxes! Come see it today!

644 New Summit Hill Road, Ringgold
$267,500
3 Beds ⋅ 2 Baths ⋅ 1540500 MLS
Do you LOVE Decorating & Ready to Earn Sweat Equity ??? Sellers are moving Soon... Bring Your Best Offer and Get Instant Equity ! Huge Opportunity to get a solid house priced this low in the Heritage High Schools District ! This 3/2 could easily be Four Bedrooms with the finished Bonus Room over garage (see floorplan) One Owner since 2002 has raised their family and re-sizing. This home has been lived in but at this price there's plenty of room for a first time owner to gain some equity just by decorating. You can make Every Choice and have a great home in a super convenient subdivision ! If you're handy this could be the one you've been waiting on all year long...

155 Misty Ridge Lane, Ringgold
$519,900
3 Beds ⋅ 3 Baths ⋅ 1540325 MLS
NEW LISTING!!!! 3085 sqft with a 1505 Unfinished Basement Zoned Catoosa County/Ringgold Middle & High!!!! This home features Master on the Main along with an Oversized Media Room for entertaining. It Also has a second living area upstairs along with 5 other rooms such as 2 bedrooms, Oversized office, Massive Bonus Room, plus a Family Room. The unfinished basement has its own access with a utility garage and tons of possibilities or storage. This home also features Oversized Closets, New Siding on the front, Fenced in Back Yard, Natural Gas Heat, Updated Bath with a jetted tub and Separate Custom Tile Shower. Don't Miss Out On This ONE!!!!!! Schedule your showing today!!!!

82 Edgewater Drive, Ringgold
$429,000
4 Beds ⋅ 3 Baths ⋅ 1540234 MLS
Welcome to 40 E. Carolyn Circle, where thoughtful updates, flexible living space, and an incredible backyard come together to create a home you'll love. The updated kitchen features marble countertops and backsplash, sleek black cabinets, a farmhouse sink, and a cozy breakfast nook. Just off the kitchen, the spacious living room is centered around a beautiful brick fireplace and opens through French doors into the brand new sunroom. With its tongue-and-groove ceiling and peaceful views of the backyard, it's the perfect place to enjoy your morning coffee, relax with a good book, or gather with family and friends. The split bedroom floor plan gives the primary suite added privacy from the two guest bedrooms on the main level. The owner's suite offers vaulted ceilings, a large walk in closet, and an ensuite with a jetted tub and separate shower. The finished basement adds incredible flexibility for today's lifestyle. It includes a fourth bedroom, two bonus rooms, and a large recreation room with a wood burning stove. Plumbing has already been installed for a future kitchenette, making this space ideal for multigenerational living, extended guests, or a potential rental suite. The backyard is one of this home's standout features. Set on a mostly level double lot shaded by mature oak trees, it offers the kind of outdoor space that's becoming harder to find. Whether you're enjoying the gazebo, relaxing on the built in swing, spending time around the brick paver patio, or watching the sunset, there's a place for everyone to unwind. The brand new 30 x 20 metal garage provides plenty of room for vehicles, hobbies, storage, or a workshop. Homes that offer this much flexibility, outdoor living, and thoughtful updates don't come along often. Schedule your private showing today and come experience all that 40 E. Carolyn Circle has to offer.

40 E Carolyn Circle, Ringgold
$375,000
3 Beds ⋅ 4 Baths ⋅ 1540206 MLS
Welcome home to Homestead Estates, one of Ringgold's most sought-after gated communities, known for its welcoming, family-friendly atmosphere and prime location. This is an incredible opportunity to own in this desirable neighborhood at an exceptional value. While the home could benefit from cosmetic updates such as flooring, fresh paint, and minor drywall repairs, it has been priced accordingly, giving you the chance to build instant equity and make it your own. Lovingly owned by the same family for the past 23 years, this home has been well maintained where it matters most. Major improvements have already been completed, including the roof, HVAC systems, water heater, and kitchen appliances, all replaced within the past few years, allowing you to focus on the fun cosmetic updates instead of costly mechanical expenses. Conveniently located directly across from the elementary school, you'll enjoy the convenience of skipping the morning and afternoon car rider lines. The finished basement adds approximately 700 square feet of additional living space, providing endless possibilities for a media room, playroom, home office, gym, or guest suite. Whether you're a first-time buyer looking to build equity or someone searching for a home you can personalize, this property offers tremendous potential in a neighborhood where opportunities like this don't come along often. Home is being sold AS IS.

57 Woodbury Court, Ringgold
$435,900
4 Beds ⋅ 3 Baths ⋅ 1540200 MLS
This 2-story welcomes you with a full brick facade accented with vinyl shakes. As you enter the home you will be wowed by the 2-story foyer and the massive ceilings. This kitchen is absolutely stunning with its large island with a breakfast bar, granite countertops, and new black stainless appliances. Ther's also a walk-in pantry. The breath-taking primary suite has a vaulted ceiling, a large walk-in closet, and the other suite has a separate shower and a soaking tub. Entertain your guests on your covered back porch. There's plenty of storage space in the oversized 2-car garage, House has been fully insulated with foam insulation making it very energy efficient. Seller will provide a 1 yr. builder's warranty. Seller is a licensed Realtor in Ga.

545 Salem Valley Road, Ringgold
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