A brand-new detached home in Chattanooga for just $192,500 -- and eligible buyers may qualify for up to $21,000 in down payment assistance.* Opportunities like this simply do not come along often. Construction is now underway on this thoughtfully designed home in Somerville Cottages, giving you the rare chance to buy new at an approachable price while still getting in early enough to make it feel like your own. With estimated completion approximately four months away, there is still time to select available colors, finishes and personal touches before construction progresses. At a time when finding a brand-new detached home under $200,000 in Chattanooga is exceptionally difficult, this is an opportunity worth paying attention to. And the value goes well beyond the price. New construction means no aging roof waiting to be replaced, no outdated HVAC system, and no list of deferred maintenance projects greeting you after closing. Instead, you get the confidence of a newly built home, modern materials and systems, and the added peace of mind of a builder warranty. Inside, Somerville Cottages delivers the features buyers want most, including quartz countertops, 9-foot ceilings, abundant natural light and an open-concept floor plan thoughtfully designed to make the most of every square foot. The result is a home that feels bright, modern and comfortable without paying for space you don't need. For qualified buyers, the opportunity may be even more compelling. This home meets the property requirements for the City of Chattanooga's Down Payment Assistance Program, which may provide eligible first-time homebuyers with up to $15,000 in City assistance. When combined with eligible THDA assistance, qualified buyers may be able to receive up to $21,000 in total down payment assistance.* Somerville Cottages is located in rapidly growing South Chattanooga, just minutes from downtown, Main Street, St. Elmo, Broad Street, Publix, the Tennessee Riverwalk and Chattanooga's newest stadium. Restaurants, shopping, recreation and many of the city's most exciting new developments are all within easy reach. Whether you're purchasing your first home, downsizing, or simply looking for an exceptional value, this is a chance to own something increasingly difficult to find in Chattanooga: a brand-new, detached home at an attainable price -- with the opportunity to personalize it before it's finished. *Down payment assistance is not guaranteed. Buyer and property must meet applicable City of Chattanooga and/or THDA program requirements. Assistance amounts and availability are subject to program guidelines, funding and final approval. Buyer should verify eligibility and available assistance with a participating lender.
| MLS # | 1540814 |
|---|---|
| Listing Type | For Sale |
| Style | House |
| HOA Dues | $100 |
| Sub-Type | New Construction |
| Status | Active |
| Year | 2026 |
| Days On Site | 82 |
| Listing Provided By | Rogue Real Estate Company llc | Christopher Todd |
| Bed(s) | 1 |
|---|---|
| Bath(s) | 1 Total |
| SQ Feet | 650 |
| Property View | Mountain(s) |
| Cooling | Electric |
|---|---|
| Cooling Yes / No | Yes |
| Heating | Central, Electric |
| Heating Yes / No | Yes |
| Appliances | Disposal, Dishwasher, Free-Standing Electric Oven, Free-Standing Electric Range, Microwave, Water Heater |
| Interior Features | High Ceilings, High Speed Internet, Open Floorplan, Walk-In Closet(s), Tub/shower Combo |
| Fireplace Yes / No | No |
| Flooring | Carpet, Luxury Vinyl |
| Laundry Features | Electric Dryer Hookup, Washer Hookup |
| Roof | Shingle |
|---|---|
| Exterior Features | Garden, Rain Gutters |
| Construction Materials | Hardi Plank Type |
| Foundation Details | Slab |
| Patio And Porch Features | Covered, Patio, Porch - Covered |
| Garage Yes / No | No |
|---|---|
| Parking Features | Off Street, On Street, Paved |
| Utilities | Sewer Connected, Underground Utilities, Water Connected |
|---|---|
| Sewer | Public Sewer |
| Water Source | Public |
| Community Features | Curbs, Park, Sidewalks |
|---|---|
| Senior Community Yes / No | No |
| Association Amenities | Landscaping, Maintenance Grounds, Parking |
| View | Mountain(s) |
| Tax Annual Amount | 0 |
|---|---|
| Tax Legal Description | TBD |
| State | TN |
|---|---|
| County | Hamilton |
| City | Chattanooga |
| Zip Code | 37410 |
| Area | Hamilton |
| Community Name | Somerville Cottages |
| School District | Howard School of Academics & Tec |
| Elementary School | Donaldson Elementary |
| High School | Howard School of Academics & Tec |
| Listing VS Median (in Somerville Cottages) | |
Price: $192,500 low | high Med: $226,500 sqft: 650 low | high Med: 650 $ / sqft: $296 low | high Med: $348 On site: 82 low | high Med: 155.5 | |
| State | TN |
|---|---|
| County | Hamilton |
| City | Chattanooga |
| Zip Code | 37410 |
| Area | Hamilton |
| Community Name | Somerville Cottages |
| School District | Howard School of Academics & Tec |
| Elementary School | Donaldson Elementary |
| High School | Howard School of Academics & Tec |
| Listing VS Median (in Somerville Cottages) | |
Price: $192,500 low | high Med: $226,500 sqft: 650 low | high Med: 650 $ / sqft: $296 low | high Med: $348 On site: 82 low | high Med: 155.5 | |