The Flats Homes with FHA Financing available

The Flats Homes with FHA Financing available

Welcome to The Flats, a charming subdivision nestled in the heart of Chattanooga, Tennessee, within the picturesque Hamilton County. This vibrant community offers a perfect blend of modern living and Southern charm, making it an ideal choice for families, young professionals, and retirees alike.

The Flats features an array of beautifully designed homes that cater to diverse tastes and lifestyles. With a focus on quality craftsmanship and contemporary aesthetics, you’ll find spacious floor plans, inviting outdoor spaces, and stunning finishes that create a warm and welcoming atmosphere. Whether you’re seeking a cozy starter home or a more expansive residence, The Flats has something for everyone.

One of the standout features of this community is the availability of FHA financing for eligible buyers. This means that purchasing your dream home in The Flats is more accessible than ever, allowing you to take advantage of lower down payment options and competitive interest rates. With FHA financing, you can confidently step into homeownership and invest in your future.

Living in The Flats means embracing the vibrant lifestyle that Chattanooga has to offer. With easy access to local parks, shopping, dining, and entertainment, residents can enjoy the best of both worlds—peaceful suburban living with the excitement of city life just a stone’s throw away.

Explore the charm of The Flats today, and discover why this delightful subdivision is the perfect place to call home. Your dream home awaits in Chattanooga!

Newest The Flats Homes with FHA Financing available

$285,000
2 Beds ⋅ 2 Baths ⋅ 1540570 MLS
This is the kind of home Chattanooga buyers have been waiting for. Great price. Great location. Great community. And the rare convenience of having everything on one level. The Flats at Mill Town is quickly becoming one of Chattanooga's most exciting new communities, and the demand is real. Homes are selling fast, and this is the LAST two-bedroom available at this price. If you've been looking for a home that feels fresh, modern, effortless, and connected to the way you actually want to live, stop scrolling. This one deserves to be seen. Welcome to a beautifully designed two-bedroom home at The Flats at Mill Town, where thoughtful architecture, incredible outdoor living, and an exciting new community come together. From the moment you walk through the door, the difference is obvious. Soaring ceilings over 10 feet and an abundance of windows flood the home with natural light, creating a bright, open atmosphere that feels spacious, comfortable, and anything but ordinary. The main living area is exactly what today's buyers are looking for. The kitchen, dining, and living spaces flow together seamlessly, creating the perfect setting for everything from quiet mornings at home to dinner with friends. There are no stairs, no awkward transitions, and no wasted space--just a smart, single-level floor plan that works beautifully. And the finishes are already here. Quartz countertops. LVP flooring throughout. Elevated fixtures and finishes. Refrigerator included. No need to spend thousands more upgrading the basics just to get the home you want. This one is finished, polished, and ready to enjoy. Both bedrooms are generously sized and flexible enough to fit the way you live, whether you need a comfortable guest room, home office, or simply want more breathing room. The primary suite adds another special touch with its own private covered balcony--a perfect place for coffee in the morning, a little fresh air in the evening, or five quiet minutes to yourself. Then there is the outdoor living, and this is where this home really separates itself. You get TWO covered patios, including an oversized main patio that feels like a true extension of the home. Bring the grill. Bring the friends. Bring the coffee. This is outdoor space you will actually use. But the home is only part of the story. The Flats at Mill Town is being created around the kind of lifestyle Chattanooga buyers have been craving: low-maintenance, beautifully designed homes surrounded by places to gather, walk, play, and enjoy the people around you. A community pool is coming, along with dog parks, walking trails, abundant gathering spaces, and the new Flying Pickle indoor pickleball facility right at Mill Town. Add the convenience of being just minutes from downtown Chattanooga, and you have a combination that is increasingly hard to find. This is not just another new construction listing. It is a chance to get into a community that is gaining momentum, at a price that is becoming harder to find, with the convenience of single-level living and the finishes you want already included. And there is only one two-bedroom left at this price. Come see The Flats at Mill Town. Walk through the community. Experience the space. Sit on the patio. See what everyone is talking about. You'll understand the hype the moment you arrive.

1776 S Watkins Street 403, Chattanooga
$365,000
3 Beds ⋅ 2 Baths ⋅ 1539804 MLS
Discover a new standard of maintenance-free living at The Flats at Mill Town, where beautifully designed, single-story one, two, and three-bedroom residences are complemented by resort-style amenities, including a community pool, dog parks, abundant green space, scenic walking trails, and easy access to a nearby pickleball facility--all within one of Chattanooga's most exciting new communities. This three-bedroom Flat is the crown jewel. A one-level home that lives like a penthouse, it delivers the kind of space, light, and ease typically reserved for high-end top-floor living--without the stairs, without the compromises, and without anything else like it in Chattanooga. From the moment you step inside, ceilings soaring over 10 feet and wall after wall of windows create an immediate sense of volume and calm. Natural light pours into every corner, giving the entire home an open, expansive, almost weightless feel. The oversized living space is both striking and inviting--perfect for hosting, relaxing, and everything in between. The kitchen anchors the home with style and function, flowing seamlessly into the main living area so everything stays connected. And here, luxury isn't an upgrade--it's the baseline. Quartz countertops, LVP flooring throughout, high-end finishes, and even the refrigerator all come standard--making this home truly, truly turn-key from day one. All three bedrooms are generously sized--no afterthoughts, no compromises--offering real comfort, flexibility, and privacy. And what truly sets this layout apart is the connection to the outdoors--two of the bedrooms feature their own private covered patios or balconies, creating rare, personal outdoor retreats that elevate everyday living in a way few homes can. Step outside and you'll also find a massive main covered patio that extends your living space beautifully--perfect for entertaining, unwinding, or simply enjoying a quiet moment. With multiple outdoor living areas, this home delivers the kind of indoor-outdoor lifestyle that's incredibly hard to find in new construction.

1792 S Watkins Street 305, Chattanooga
$235,000
1 Beds ⋅ 1 Baths ⋅ 1537993 MLS
Thinking about one of our one-bedroom flats? Don't wait. The first phase has officially sold out, and the next phase is coming soon! Demand has been incredible, and this is your chance to get in before the next release starts filling up. If you've been waiting for the right time, this is it. Finally--a one-bedroom that lives larger, feels brighter, and delivers more. Inspired by Seinfeld's iconic apartment--the kind of place where everyone gathers, conversations flow, and life just happens--this home is built around connection and ease. No split levels. No tucked-away corners. Just a seamless, single-story layout that makes everyday living feel effortless. Step inside and you're immediately greeted by ceilings soaring over 10 feet, creating an open, airy feel that makes the space live far beyond its footprint. Extra windows bring in an abundance of natural light, while the oversized living area becomes the true heart of the home--perfect for hosting, unwinding, or just enjoying a space that never feels confined. The kitchen flows naturally into the living area, keeping everything connected and conversation easy. And then there's the outdoor space--rare, usable, and done right. The expansive covered patio extends your living area in all the best ways, giving you a place to relax, entertain, or enjoy a quiet morning coffee, rain or shine. The primary suite offers a comfortable, private retreat with room to recharge, all while maintaining the home's open, thoughtful flow. With everything on one level, there's no wasted space and no unnecessary separation--just smart design that lives well. At The Flats, what you see is exactly what you get--and what you get stands out. Quartz countertops, LVP flooring throughout, soaring ceilings, added windows, and elevated finishes all come standard. Even the refrigerator is included, making this truly turnkey--something you rarely see in new construction.

1792 S Watkins Street 103, Chattanooga
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