0.37 Acres for Sale in Chattanooga, TN

BUILDABLE LOT IN CHATTANOOGA — DUPLEX OR TWO HOMES BY RIGHT, PUBLIC UTILITIES, PAVED ROAD ACCESS

Here's a genuine opportunity to own a full acre of residentially zoned land inside the Chattanooga city limits, with owner financing available. This is a verified buildable lot with public water, public sewer, and paved road access already in place, conveyed by Warranty Deed with no HOA. Whether you're a developer, investor, or someone ready to build their next home, this parcel checks the boxes that matter most.

Chattanooga is one of Tennessee's most dynamic cities — a revitalized river town known for its outdoor recreation, thriving arts scene, nationally recognized food culture, and the Tennessee Aquarium anchoring its walkable riverfront. Hamilton County offers the energy of a growing urban market alongside easy access to the natural beauty of the surrounding Tennessee Valley and Appalachian foothills.

⛰️ Property Highlights

• Zoning: RN-2 (Residential Neighborhood Multi-Unit) — within Chattanooga City Limits. Permits a duplex or two detached homes by right. Max structural lot coverage 40% (~6,500 sq ft); max building height 35 ft.
• Road Access: Paved Road
• Utilities: Public Water & Public Sewer

• Setbacks: 20 ft front, 5 ft side, 25 ft rear
• Impact Fees: None — no standard public infrastructure or development impact fees charged by the City of Chattanooga or Hamilton County
• HOA: None
• Deed Type: Warranty Deed
• Annual Taxes: $56.00/year

🏠 Perfect For

✅ Building a single-family custom home in an established city

✅ Developing a duplex for rental income or house-hacking

✅ Building two detached homes on a single parcel — live in one, rent or sell the other

✅ Investors seeking a low-tax, no-HOA residential development opportunity

🎿 Enjoy Everything Chattanooga Has to Offer

✅ Tennessee Aquarium — one of the largest freshwater aquariums in the world, located on Chattanooga's revitalized riverfront

✅ Lookout Mountain — home to Rock City, Ruby Falls, and sweeping views of the surrounding region

✅ Tennessee River waterfront — boating, paddling, riverfront parks, and the Walnut Street pedestrian bridge

✅ Chattanooga Choo Choo and historic downtown arts, dining, and entertainment districts

✅ Chickamauga and Chattanooga National Military Park — one of the oldest and largest military parks in the country

✅ Close proximity to the Appalachian Trail corridor and surrounding mountain recreation

✅ Strong local economy, nationally recognized infrastructure (first U.S. city with citywide gigabit internet), and consistent growth in real estate demand

📍 Nearby Attractions

• Tennessee Aquarium — Chattanooga Riverfront
• Rock City & Ruby Falls — Lookout Mountain
• Chickamauga & Chattanooga National Military Park
• Walnut Street Bridge & Renaissance Park
• Coolidge Park — North Chattanooga
• Chattanooga Market & Main Street dining corridor

Important Property Information

This lot is zoned RN-2 (Residential Neighborhood Multi-Unit) within the Chattanooga city limits and is verified buildable. Permitted uses by right include a duplex or two detached single-family homes. Total structural lot coverage is capped at 40% (approximately 6,500 sq ft), with a maximum allowable building height of 35 feet. Setbacks are 20 ft front, 5 ft side, and 25 ft rear.

Mobile homes are not permitted on this lot. RV living is not permitted as a primary residence. Farm animals: chickens are allowed with a city permit; livestock is not permitted.

Public water and public sewer are available. No HOA. No development impact fees apply — permit costs are calculated based on total construction valuation at the time of permitting.

Key contacts for development: Chattanooga Land Development Office / Zoning Division: (423) 643-5891 | Permitting Desk: (423) 643-5800 | Hamilton County WWTA (sewer tap fees): (423) 209-7842 | Chattanooga-Hamilton County Regional Planning Agency: (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: $5,000
• APR: 10%
• $249 processing and origination fee applies to all new loans

💰 Monthly Payment Options

Financed amount: $22,000.00 (owner finance price $27,000.00 − $5,000 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.