Somerville Cottages Homes under $300,000

Welcome to Somerville Cottages, a charming subdivision nestled in the heart of Chattanooga, Tennessee, within the picturesque Hamilton County. This delightful community offers a perfect blend of suburban tranquility and urban convenience, making it an ideal choice for families, first-time homebuyers, and anyone looking to embrace the beauty of Southern living.

Somerville Cottages features a selection of beautifully designed homes, all priced under $300,000, providing an affordable entry into the thriving Chattanooga real estate market. These homes boast modern amenities, open floor plans, and inviting outdoor spaces, perfect for enjoying the warm Tennessee weather. With a variety of styles and layouts, there’s something for everyone, whether you're seeking a cozy starter home or a spacious residence for a growing family.

Living in Somerville Cottages means you’ll be just minutes away from Chattanooga’s vibrant downtown area, filled with eclectic shops, delicious dining options, and cultural attractions. Outdoor enthusiasts will appreciate the proximity to stunning parks and scenic trails, including the renowned Lookout Mountain and the Tennessee Riverwalk, perfect for hiking, biking, and soaking in the breathtaking views.

The community itself fosters a friendly atmosphere, where neighbors become friends and families thrive. With excellent schools, recreational facilities, and community events, Somerville Cottages is more than just a place to live; it’s a place to call home. Discover the charm and affordability of Somerville Cottages today and start your journey towards homeownership in one of Tennessee’s most beloved cities!

Newest Somerville Cottages Homes under $300,000

$169,000

1 Beds ⋅ 1 Baths ⋅ 3619151 MLS ⋅ ACTIVE Status ⋅ 37410 Zip Code

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.

1001 Hodley Ave, Chattanooga

$268,900

2 Beds ⋅ 3 Baths ⋅ 3615502 MLS ⋅ ACTIVE Status ⋅ 37410 Zip Code

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 Ave, Chattanooga

$219,900

2 Beds ⋅ 2 Baths ⋅ 3615490 MLS ⋅ ACTIVE Status ⋅ 37410 Zip Code

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 St, Chattanooga

$179,700

1 Beds ⋅ 1 Baths ⋅ 3596905 MLS ⋅ ACTIVE Status ⋅ 37410 Zip Code

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 Ave, Chattanooga

$249,700

2 Beds ⋅ 2 Baths ⋅ 3519362 MLS ⋅ ACTIVE Status ⋅ 37410 Zip Code

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.

4712 Abraham St, Chattanooga

$192,500

1 Beds ⋅ 1 Baths ⋅ 3519360 MLS ⋅ ACTIVE Status ⋅ 37410 Zip Code

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.

3629 Hodley Ave, Chattanooga

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