Somerville Cottages Homes with VA Loan Financing available

Somerville Cottages Homes with VA Loan Financing available

Welcome to Somerville Cottages, a charming subdivision nestled in the heart of Chattanooga, Tennessee. This delightful community offers a perfect blend of suburban tranquility and urban convenience, making it an ideal place for families, professionals, and retirees alike. With its picturesque streets and well-maintained landscapes, Somerville Cottages exudes a warm, inviting atmosphere where neighbors become friends and memories are made.

The homes in Somerville Cottages are thoughtfully designed, featuring modern amenities and timeless architectural styles that cater to a variety of lifestyles. Whether you’re searching for a cozy starter home or a spacious retreat, you’ll find options that suit your needs. One of the standout features of this subdivision is the availability of VA loan financing, making it an excellent choice for veterans and active-duty military personnel looking to invest in their future. With favorable terms and conditions, VA loans provide an accessible pathway to homeownership, allowing you to settle into your dream home with ease.

Located in Hamilton County, Somerville Cottages is just a stone's throw away from downtown Chattanooga, where you can explore vibrant dining, shopping, and entertainment options. Enjoy the scenic beauty of the Tennessee River and the stunning views from Lookout Mountain, all while benefiting from the strong sense of community that Somerville Cottages has to offer.

Discover the perfect blend of comfort, convenience, and community at Somerville Cottages. Your dream home awaits!

Newest Somerville Cottages Homes with VA Loan Financing available

1001 Hodley Avenue, Chattanooga
$169,000
1 Beds ⋅ 1 Baths ⋅ 1544418 MLS
A BRAND-NEW, DETACHED HOME. SINGLE-LEVEL LIVING. JUST $169,000. YES, REALLY. Every once in a while, an opportunity comes along that makes you rethink what is possible in real estate. This is one of those opportunities. Introducing an all-new floor plan at Somerville Cottages, bringing something extraordinary to the Chattanooga housing market: a beautifully designed, completely detached, single-level home with upscale finishes, a 10-year builder's warranty, and a price tag of just $169,000. And here's something even more exciting: Qualified buyers may be eligible for down payment assistance that could make it possible to move into this brand-new home with little to no out-of-pocket expenses. Imagine becoming a homeowner sooner than you thought possible, without needing years of savings to get started. In a market where buyers are often forced to choose between affordability, quality, and location, this home challenges the idea that you have to sacrifice one to get the others. No shared walls. No stairs. No outdated kitchens. No inheriting decades of someone else's maintenance problems. Just a brand-new home with the freedom and peace of mind that come with owning something entirely yours. And this isn't simply new construction at an incredible price. It's new construction done right. Step inside and discover soaring 9-foot ceilings, an abundance of windows that fill the home with natural light, beautiful quartz countertops, durable modern finishes, and a remarkably thoughtful floor plan that makes every inch count. The combination of high ceilings, natural light, and smart design creates an open, airy, inviting atmosphere that feels anything but ordinary. It's proof that exceptional living isn't measured by how much space you have, but by how beautifully that space works for you. Perhaps the most exciting part? Your home, your style, your choices. Construction is just getting underway, which means there's still time to select from available design packages, choose your colors, and explore opportunities to personalize your new home before it's completed. Imagine moving into a home where everything is brand new, the finishes reflect your taste, and the only thing left to do is turn the key. And then there's the location. Somerville Cottages puts you just minutes from downtown Chattanooga, St. Elmo, Main Street, Broad Street, Publix, the Riverwalk, and the new Erlanger Stadium. This is an area experiencing renewed attention, investment, and development, with exciting momentum building throughout the surrounding neighborhoods. While others wait to see what the next chapter brings, here's an opportunity to become part of it from the beginning. But the real story here is bigger than the home itself. It's what owning this home could mean for your future. At a time when rising home prices have made ownership feel increasingly out of reach, $169,000 represents something genuinely special: an attainable entry point into real estate ownership and the opportunity to begin building equity instead of continuing to pay rent. Real estate has long been a pathway to building long-term wealth, and opportunities to purchase brand-new, detached homes at this price are exceptionally rare. Add in the security of a 10-year builder's warranty, the simplicity of single-level living, the convenience of a thoughtfully designed home, and the possibility of purchasing with little to no upfront expenses through available assistance programs, and the value becomes almost impossible to ignore. Note: Home is currently under construction. Renderings and photographs may depict other completed homes, floor plans, or design options within the community and are provided for illustrative purposes only. Actual finishes, features, colors, materials, and final appearance may vary. Buyers may have the opportunity to select design packages, colors, and certain customizations, subject to construction progress, builder approval, availability, and additional costs where applicable. Down payment assistance is subject to program availability, buyer eligibility, lender approval, and applicable program requirements. Little to no out-of-pocket expenses may be possible for qualifying buyers but are not guaranteed. Contact the listing agent for details.

1001 Hodley Avenue, Chattanooga
5629 W 35th Street, Chattanooga
$349,700
3 Beds ⋅ 3 Baths ⋅ 1544321 MLS
New price. New opportunity. At just $349,700, the final completed 3-bedroom home in Somerville Cottages delivers something that's becoming increasingly difficult to find--a brand-new detached home just minutes from downtown Chattanooga with three full bathrooms, a flexible floor plan, and room to live the way you want. While so much of today's new construction near downtown has shifted toward narrow three-story townhomes, this home offers a refreshing alternative. Thoughtfully designed with comfort and flexibility in mind, it features a spacious main-level bedroom and full bath that can easily serve as a primary suite, guest retreat, home office, or multigenerational living space. Upstairs, two additional bedrooms each enjoy access to their own full bathroom, creating privacy and convenience for family and guests. The open-concept living spaces are filled with natural light and designed for everyday life, with a seamless flow between the kitchen, dining, and living areas that makes entertaining feel effortless. An oversized front porch extends your living space outdoors and reflects the welcoming, front-porch lifestyle that makes Somerville Cottages unlike any other community in the area. Location only adds to the appeal. Just minutes from downtown Chattanooga, St. Elmo, the Tennessee Riverwalk, the South Broad District, shopping, dining, and outdoor recreation, you'll enjoy the convenience of being close to everything while coming home to a neighborhood intentionally designed around connection and walkability. With limited-time pricing of just $349,000, this is the final completed 3-bedroom opportunity in Somerville Cottages. If you've been waiting for a move-in ready new home that offers the privacy of detached living, the flexibility of three full bathrooms, and exceptional value in one of Chattanooga's fastest-growing areas, now is the time to see it for yourself.

5629 W 35th Street, Chattanooga
4587 Hodley Avenue, Chattanooga
$268,900
2 Beds ⋅ 3 Baths ⋅ 1544319 MLS
Some homes look good on paper. This is the kind of home that makes sense the moment you walk through the door. Thoughtfully designed, incredibly functional, and surprisingly spacious, this 2-bedroom, 2.5-bath home offers one of the most livable floor plans in Somerville Cottages--with two true bedroom suites, private bathrooms, flexible living space, and the kind of layout that adapts to the way you actually live. From the moment you enter, the difference is clear. High ceilings on both levels, abundant natural light, and a smart use of space create an open, comfortable feel throughout the home. The main level was designed for everyday living, with a beautifully finished kitchen that flows naturally into the living area--perfect for quiet mornings, casual dinners, or entertaining friends without feeling separated from the action. One of the standout features of this floor plan is the upstairs layout. Each bedroom offers its own private full bathroom, creating two true suites that provide incredible flexibility. Whether you need a private guest retreat, a dedicated home office space, a roommate-friendly layout, or simply appreciate having your own space, this design delivers options that many homes at this price point cannot. And the living space doesn't stop inside. The covered front and rear porches extend your home outdoors, giving you the perfect places to enjoy your morning coffee, unwind after a long day, or gather with friends. These are the details that turn a house into a home. Quality comes standard throughout with features buyers are looking for, including quartz countertops, luxury vinyl plank flooring, durable Hardie siding, modern finishes, and the confidence of new construction backed by a builder's warranty. No guessing what needs to be repaired, no unexpected projects waiting after move-in--just a beautiful, completed home ready for its next owner.

4587 Hodley Avenue, Chattanooga
5712 W 35th Street, Chattanooga
$219,900
2 Beds ⋅ 2 Baths ⋅ 1544314 MLS
The hardest home to find in Chattanooga right now? A brand-new 2-bedroom home under $220,000. This is the rare opportunity to own a beautifully built, move-in-ready home with premium finishes, a builder's warranty, and the confidence that comes from knowing everything is new--all at a price point that is becoming nearly impossible to find. Today's buyers are tired of making impossible choices. Buy an older home and inherit years of wear and tear, aging systems, and expensive surprises. Buy a cheap flip and wonder what corners were cut. Or spend significantly more for new construction. This home changes that equation by offering the best of both worlds: modern construction, quality finishes, and true peace of mind without sacrificing affordability. From the moment you step inside, this home feels different. Soaring ceilings, oversized windows, and abundant natural light create a bright, open atmosphere that makes the home feel spacious and inviting. The thoughtfully designed floor plan provides the perfect balance of comfort and functionality, with an open-concept main level ideal for entertaining, relaxing, and everyday living. The kitchen is finished with the details buyers are searching for, including beautiful quartz countertops, modern cabinetry, and a stylish design that feels far beyond this price point. Luxury vinyl plank flooring runs throughout the home, offering the perfect combination of durability, easy maintenance, and timeless appeal. Every feature was selected with both quality and long-term value in mind. Upstairs, you'll find two comfortable bedrooms and a beautifully finished full bathroom designed to provide a private retreat at the end of the day. Outside, the welcoming front porch creates the perfect spot for morning coffee, evening conversations, or simply enjoying the neighborhood.

5712 W 35th Street, Chattanooga
3605 Hodley Avenue, Chattanooga
$179,700
1 Beds ⋅ 1 Baths ⋅ 1543126 MLS
Brand-new. Move-in ready. Under $180,000. It sounds impossible in today's market, but it's here. At just $179,900, this is the lowest-priced new construction home currently available in Chattanooga, delivering a level of quality and value that's nearly impossible to find. While buyers continue to compete over aging homes, outdated renovations, and flipped properties with unknown histories, this home offers something entirely different--a fresh start with everything brand new, a builder's warranty, and the confidence that comes from knowing you won't be inheriting someone else's deferred maintenance or unexpected repair bills. Why gamble on an older home when you can enjoy the peace of mind that only new construction provides? No wondering when the roof will need replacing. No surprise HVAC failures in the middle of summer. No outdated plumbing or electrical. No expensive appliance replacements just months after moving in. Instead, enjoy the confidence of owning a brand-new home backed by a builder's warranty, allowing you to spend your money making memories instead of making repairs. And don't mistake this price for a builder cutting corners. This home is loaded with upgrades, including durable Hardie siding, quartz countertops, luxury vinyl plank flooring throughout, soaring 9-foot ceilings, abundant natural light, and a thoughtfully designed floor plan that lives larger than its footprint. Every finish was selected with quality, style, and long-term value in mind. Located in the growing Somerville Cottages community, you're just minutes from downtown Chattanooga, St. Elmo, Main Street, Broad Street, Publix, the Riverwalk, and the new Erlanger Stadium. It's a chance to own a brand-new home in an exciting location without stretching your budget.

3605 Hodley Avenue, Chattanooga
4712 Abraham Street, Chattanooga
$249,700
2 Beds ⋅ 2 Baths ⋅ 1540819 MLS
Finding a brand-new DETACHED home in Chattanooga under $250,000 is hard enough. Finding one where construction is just beginning, you still have time to make your own selections, and eligible buyers may qualify for up to $21,000 in down payment assistance*? That's an opportunity worth paying attention to. Priced at $249,700, this brand-new 2-bedroom home in Somerville Cottages offers something increasingly difficult to find: the privacy and independence of a detached home, the confidence of new construction, and an attainable price point just minutes from downtown Chattanooga. Even better, construction is just getting started. Buy early enough and you'll still have the opportunity to select available colors, finishes and personal touches along the way. Rather than moving into someone else's version of a home, you can watch yours come together from the ground up and make it feel like your own before you ever receive the keys. At this price point, buyers are often asked to compromise. An older home may come with an aging roof, HVAC system, outdated finishes and expensive projects waiting around the corner. A quick renovation can leave questions about what was actually updated. Here, everything is new -- from the systems behind the walls to the finishes you see every day -- with the added peace of mind of a builder warranty. Inside, the thoughtful design makes every square foot count. Soaring ceilings, oversized windows and abundant natural light create a bright, open atmosphere, while the open-concept main level provides an inviting space for everyday living and entertaining. The kitchen features quartz countertops, modern cabinetry and stylish finishes that give the home a look and feel well beyond what you might expect at this price. Luxury vinyl plank flooring provides durability and easy maintenance, while two comfortable bedrooms and a beautifully finished full bathroom create a private retreat upstairs. Outside, a welcoming front porch gives you the perfect place for morning coffee, evening conversations or simply enjoying the neighborhood. For qualified buyers, there may be another significant advantage. 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.* Located in rapidly growing South Chattanooga, Somerville Cottages offers convenient access to downtown, Main Street, St. Elmo, Broad Street, Publix, the Tennessee Riverwalk and Chattanooga's newest stadium, along with restaurants, shopping, recreation and some of the city's most exciting new development. Brand-new. Detached. Two bedrooms. $249,700. The opportunity to make your own selections. And potential down payment assistance for qualified buyers. If you've been waiting for new construction that makes homeownership feel within reach, this is one you don't want to overlook. *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.

4712 Abraham Street, Chattanooga
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