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An assumable VA loan at 3.125% sets this home apart before you ever walk through the door. At today's rates, a buyer stepping into this loan saves approximately $900 per month -- over $10,700 per year -- compared to new financing. That's not a marketing claim, that's math. Contact the listing agent for full assumption details and lender referrals. Built in 2021 and owned by one family, this 3-bedroom, 2.5-bath home delivers the peace of mind of newer construction in the heart of historic St. Elmo -- not St. Elmo South. The open-concept main level features dark hardwood floors, a gray shaker kitchen with granite countertops, center island, and a professional-grade range hood that anchors the space. The primary suite is on the main level with a double vanity, walk-in shower, and direct access to the rear patio. Professionally staged and showing beautifully. Move-in ready. The Tennessee Riverwalk's 13-mile paved greenway connects St. Elmo directly to downtown Chattanooga, the new Erlanger Park ballpark, and the broader Riverpark corridor -- on foot or by bike. Steps from The Hot Chocolatier, the Incline Railway, and St. Elmo's walkable restaurant and retail corridor. Minutes from downtown Chattanooga and Lookout Mountain trailheads. If you have a VA-eligible buyer, this assumption is worth a serious conversation. All qualified buyers will be considered.
Property Type(s):
Single Family
| Last Updated | 4/30/2026 | Tract | Ward Bates & Bradfor |
|---|---|---|---|
| Year Built | 2021 | Community | Chattanooga |
| County | Hamilton |
SCHOOLS
| Elementary School | Donaldson Elementary |
|---|---|
| Jr. High School | Lookout Valley Middle |
| High School | Lookout Valley High |
Price History
| Prior to Apr 30, '26 | $524,900 |
|---|---|
| Apr 30, '26 - Today | $499,900 |
Additional Details
| AIR | Ceiling Fan(s), Central Air, Electric |
|---|---|
| AIR CONDITIONING | Yes |
| APPLIANCES | Dishwasher, Disposal, Electric Range, Microwave |
| AREA | Chattanooga |
| CONSTRUCTION | Other, Shingle Siding |
| EXTERIOR | Rain Gutters, Storage |
| HEAT | Central, Electric |
| INTERIOR | Ceiling Fan(s), Crown Molding, Eat-in Kitchen, Granite Counters, Kitchen Island, Master Downstairs, Open Floorplan, Pantry, Walk-In Closet(s) |
| LOT | 0.25 acre(s) |
| LOT DESCRIPTION | Near Public Transit |
| LOT DIMENSIONS | 50X212 |
| PARKING | Driveway, Off Street, On Street |
| POOL DESCRIPTION | None |
| SEWER | Public Sewer |
| STORIES | 2 |
| SUBDIVISION | Ward Bates & Bradfor |
| TAXES | 3261.15 |
| UTILITIES | Cable Available, Electricity Connected, Phone Available, Sewer Connected, Water Connected |
| WATER | Public |
Location
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Listing Courtesy of LPT Realty LLC
IDX information is provided exclusively for consumers’ personal, noncommercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Data is deemed reliable but is not guaranteed accurate by the MLS.
Keller Williams Realty does not display the entire MLS of Chattanooga, Inc. database on this website. The listings of some real estate brokerage firms have been excluded.
This site was last updated on 6/5/26 5:18 AM PDT
Copyright© 2002 by Chattanooga Association of REALTORS®
This IDX solution is (c) Diverse Solutions 2026.
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