FULL-ACRE RESIDENTIAL LOT IN CHATTANOOGA CITY — PUBLIC WATER, PUBLIC SEWER AVAILABLE

Here is your opportunity to own a full 1-acre residential lot inside the Chattanooga city limits with public water, public sewer, and paved road access already in place. Zoned RN-1-6 (Residential Neighborhood Zone), this parcel is confirmed buildable and permitted for a primary home plus a detached accessory unit, with no HOA restrictions and annual taxes of just $21.00 a year. At this price point, urban-connected land with municipal utilities already available is genuinely hard to find.

Chattanooga is one of Tennessee's most celebrated mid-sized cities — known for its revitalized riverfront, thriving arts and dining scene, and easy access to world-class outdoor recreation across the Tennessee River Valley and surrounding ridges. Whether you're a builder, an investor, or someone ready to put down roots in a city that consistently ranks among the South's most livable, Chattanooga delivers on all fronts.

⛰️ Property Highlights

• Location: Chattanooga, Hamilton County, TN — within Chattanooga City Limits
• Lot Size: 1 acre (43,560 sq ft)

• Zoning: RN-1-6 (Residential Neighborhood Zone)
• Road Access: Paved Road (verified)
• Utilities: Public Water & Public Sewer (verified)
• HOA: None
• Annual Taxes: $21.00

🏠 Perfect For

✅ Building a custom single-family home in an established city with full municipal utilities

✅ Adding a detached accessory dwelling unit (ADU) up to 800 sq ft alongside a primary residence

✅ A long-term residential land investment inside Chattanooga city limits

🎯 Enjoy Everything Chattanooga Has to Offer

✅ World-class Tennessee Aquarium and revitalized downtown riverfront along the Tennessee River

✅ Lookout Mountain, Rock City, Ruby Falls, and Chickamauga & Chattanooga National Military Park just outside the city

✅ Outdoor recreation including hiking, cycling, and rock climbing across the surrounding ridges and valleys

✅ A thriving restaurant, arts, and entertainment district with consistent national recognition as one of the South's most livable cities

✅ Easy highway access via I-24 and I-75, connecting to Nashville, Atlanta, and Knoxville

Important Property Information

Buildable: Yes. The lot exceeds the 6,000 sq ft minimum lot size requirement under the RN-1-6 zone. Maximum structural lot coverage is capped at 35% of total lot square footage (approximately 2,625 sq ft maximum footprint). The parcel is permitted for one primary home and one detached accessory unit up to 800 sq ft. Setbacks are 25 ft front, 8 ft side, and 25 ft rear.

FEMA Flood Zone — FEMA Flood Zone AE. Building is permitted, but subject to significant flood-compliance requirements. A certified surveyor must be engaged to establish the Base Flood Elevation (BFE) and complete an official FEMA Elevation Certificate before construction.

Allowed Uses: Residential homes (single-family). Farm animals are limited to backyard chickens only — up to 8 hens are allowed with a city permit; roosters and all other livestock are prohibited under Chattanooga city ordinance.

RV Living: Not permitted as a primary residence.

Impact Fees: None. Neither the City of Chattanooga nor Hamilton County charges standard public infrastructure or development impact fees on new residential builds. Development costs rely on municipal permits calculated from the project's total construction valuation.

Primary Contacts for Development:

• Chattanooga Land Development Office (Zoning Division): (423) 643-5891
• Chattanooga Land Development Office (Main Permitting Desk): (423) 643-5800
• Chattanooga Development Services (Stormwater Engineering / Floodplain Management): (423) 643-5877
• Hamilton County Wastewater Treatment Authority (WWTA): (423) 209-7842
• Chattanooga-Hamilton County Regional Planning Agency (RPA): (423) 643-5902

Owner Financing Available

• Owner finance available with no credit check or income verification
• Contract for deed, deed transferred after final payment
• Everyone is approved
• Down payment: $10,000
• APR: 10%
• $249 processing and origination fee applies to all new loans

Monthly Payment Options

Financed amount: $22,000.00 (owner finance price $32,000.00 − $10,000 down payment)

• 5 Years (60 months): $467.43/month
• 7 Years (84 months): $365.23/month
• 10 Years (120 months): $290.73/month

All payments are principal and interest at 10% APR. The $249 processing and origination fee is separate — it is not included in the financed amount or in the monthly payments above.

Closing & Title Options

This property can close through a title company with title insurance for approximately $800–$1,200, or through Land Supplier’s in-house closing for $299. The buyer is responsible for performing their own due diligence and for paying all closing costs and title fees if choosing to close through a title company.

Categories: Residental