37409 Homes under $700,000

Welcome to the charming zip code 37409, nestled in the heart of Chattanooga, Tennessee, within the vibrant Hamilton County. This delightful area is known for its scenic beauty, friendly neighborhoods, and a rich tapestry of community life. Whether you're a first-time homebuyer, a growing family, or looking to downsize, the 37409 zip code offers a diverse range of homes priced under $700,000, making it an attractive option for those seeking affordability without sacrificing quality.

Chattanooga is renowned for its stunning landscapes, sitting at the foothills of the Appalachian Mountains and along the banks of the Tennessee River. Residents enjoy an array of outdoor activities, from hiking and biking on the nearby trails to exploring the picturesque waterfront. The local parks and recreational facilities provide ample opportunities for families to connect and engage with nature.

In addition to its natural beauty, the 37409 area boasts a vibrant community spirit. With a variety of local shops, cozy cafes, and delicious dining options, you'll find everything you need just a stone's throw away. The proximity to downtown Chattanooga means you're never far from cultural attractions, including art galleries, museums, and live music venues.

Homes in this zip code are characterized by unique architectural styles, spacious layouts, and modern amenities, all while being competitively priced under $700,000. This makes it easier than ever to find your dream home in a welcoming community. Experience the charm of Chattanooga in zip code 37409, where your ideal lifestyle awaits!

Newest 37409 Homes under $700,000

$399,000

1 Beds ⋅ 2 Baths ⋅ 3611303 MLS ⋅ COMING SOON / HOLD Status ⋅ 0.37 Acres ⋅ 37409 Zip Code

COMING SOON! Showings begin on October 19th. Enjoy beautiful brow views from 713 Lower Cravens Terrace! This bungalow home atop Lookout Mountain offers 1,176 square feet of comfortable living space with a refreshed interior and an inviting, open layout. The property features convenient open-space parking plus an additional parking pad to provide ample room for vehicles, with the potential to add a detached garage. With its refreshed interior, flexible living space, and scenic Lookout Mountain brow views, this home offers a wonderful opportunity for a primary residence, second home, or investment property.

713 Lower Cravens Ter, Chattanooga

$345,000

2 Beds ⋅ 2 Baths ⋅ 3603178 MLS ⋅ ACTIVE Status ⋅ 0.14 Acres ⋅ 37409 Zip Code

Welcome to 4906 Beulah Avenue, a charming 1920s home nestled in the heart of historic St. Elmo and filled with the character and warmth that make this neighborhood so special. Beautiful original heart pine floors flow throughout the home, while oversized windows fill the living spaces with abundant natural light. The main level features a spacious living room with a cozy fireplace, a formal dining room complete with a quaint built-in window seat, and a good sized kitchen. A dedicated main-level laundry room adds everyday convenience, along with a half bath offering additional storage. Upstairs, you'll find the primary bedroom featuring two closets and its own cozy fireplace, a second bedroom, and a full bathroom. Outside, enjoy a welcoming covered front porch, a spacious back deck perfect for relaxing or entertaining, and a level, fully fenced backyard. A detached two-car garage provides additional parking and storage. Perhaps one of the home's best features is the fabulous view of Lookout Mountain, providing a beautiful backdrop to this special St. Elmo property. With its original details, inviting outdoor spaces, and unmistakable historic charm, 4906 Beulah Avenue offers a wonderful opportunity to own a piece of one of Chattanooga's most beloved neighborhoods. All information is deemed reliable but is not guaranteed. Buyers are to verify any and all information they deem important.

4906 Beulah Avenue, Chattanooga

$529,999

3 Beds ⋅ 3 Baths ⋅ 3598544 MLS ⋅ ACTIVE Status ⋅ 0.18 Acres ⋅ 37409 Zip Code

NEW CONSTRUCTION COMING TO ST. ELMO SOUTH! Get in early on Lot 17 and enjoy the opportunity to personalize select finishes while selections are still available. This thoughtfully designed 3-bedroom, 2.5-bath home offers 1,858 square feet with a first-floor office, open living, dining and kitchen area, plus a second-floor family room that provides valuable additional living space. The floor plan also includes a covered front porch, one-car garage and conveniently located second-floor laundry. Planned finishes and features include a dual-fuel range, tankless gas water heater, LVP flooring and tile in the bathrooms and laundry room. Located less than 10 minutes from downtown Chattanooga in St. Elmo South, with neighborhood amenities including sidewalks, a dog park, fire pit and mail kiosk. Secure your homesite early for the best opportunity to make select finish choices before construction progresses.

1336 Thomas Avenue, Chattanooga

$529,995

3 Beds ⋅ 3 Baths ⋅ 3541316 MLS ⋅ ACTIVE Status ⋅ 0.22 Acres ⋅ 37409 Zip Code

Step into the character and charm of 5514 Alabama Ave, a historic St. Elmo home built in 1900, ideally situated at the foot of Lookout Mountain. This distinctive bungalow showcases turn-of-the-century character blended with a unique rustic-industrial aesthetic and thoughtful modern updates. Offering 3 bedrooms, 2.5 baths, and 1,892 total square feet, including 1,106 square feet on the main level and 786 square feet of finished walk-out basement, the home sits on a large, fully fenced lot with exceptional outdoor potential. The main level features inviting living spaces, updated kitchen cabinetry, and a convenient half bath. The finished walk-out basement adds valuable flexibility with a spacious primary suite and full bath, along with an office nook, storage, and versatile space currently used as a gym that could easily serve as a den, media room, or additional office. Updated plumbing and electrical add to the home's functionality, along with numerous improvements made over the years.Outside, the expansive fenced backyard offers privacy, space, and possibilities. A recently completed concrete walkway extends from the side of the home all the way to the rear porch, creating an attractive and functional connection to the backyard. The substantial concrete pad is also large enough to support a future elevated deck, providing an opportunity to create an additional level of outdoor living space. Adding to the property's unique appeal is direct rear access from Shauff Pl., providing convenient access to the backyard and excellent potential for a future detached garage, studio, or accessory dwelling, subject to Historic Zoning Commission approval and applicable permits. With its historic character, flexible living spaces, generous lot, rear street access, and exciting potential for future improvements, 5514 Alabama Ave offers a rare opportunity to own a piece of St. Elmo history while creating something uniquely your own.

5514 Alabama Avenue, Chattanooga

$370,000

2 Beds ⋅ 3 Baths ⋅ 3246060 MLS ⋅ ACTIVE Status ⋅ 1.32 Acres ⋅ 37409 Zip Code

Welcome to 531 Winterview Lane, a beautifully located town home in the highly desired Winterview Condominiums community on the side of Lookout Mountain. Tucked away in a peaceful cul-de-sac just off Scenic Highway, this charming 2-bedroom, two½-bathroom home offers comfort, convenience, and one of Chattanooga's most sought-after locations. Inside, you will find an inviting layout designed for casual living and entertaining. The spacious bedrooms each offer privacy and comfort, while the two and ½ bathrooms provide added convenience for guests and everyday living. A single-car garage provides secure parking and additional storage space, while the overall design offers a wonderful low-maintenance lifestyle. Enjoy access to the community pool, perfect for relaxing and enjoying warm Tennessee days without the maintenance responsibilities of private ownership. Whether relaxing in the cozy living spaces or enjoying the quiet surroundings, this townhome delivers comfort and convenience in a scenic mountain setting. Perfectly situated near Ruby Falls and just minutes from downtown Chattanooga, dining, shopping, and outdoor attractions, this location combines scenic mountain living with city convenience. Enjoy the beauty and tranquility of Lookout Mountain while remaining close to everything Chattanooga has to offer. Do not miss your opportunity to own in Winterview Condominiums - schedule your private showing today!

531 Winterview Lane, Chattanooga

$479,900

3 Beds ⋅ 3 Baths ⋅ 3231627 MLS ⋅ ACTIVE Status ⋅ 0.25 Acres ⋅ 37409 Zip Code

Built in 2021 and owned by one family, this 3-bedroom, 2.5-bath home delivers the peace of mind of newer construction in the heart of historic St. Elmo. The open-concept main level features dark engineered hardwood floors, a gray shaker kitchen with granite countertops, center island, and a professional-grade range hood that anchors the space. The primary suite is on the main level with a double vanity, walk-in shower, and direct access to the rear patio, bordered by a newly installed cedar privacy fence. Upstairs, a generous landing at the top of the stairs offers the perfect dedicated space for a home office. Move-in ready. Just two blocks to the Virginia Avenue Greenway trailhead on 55th Street -- 0.7 miles to Guild-Hardy Trail, 1.4 miles to Virginia Avenue Park -- walk or bike straight into some of St. Elmo's best outdoor access. The Tennessee Riverwalk's 13-mile paved greenway also connects St. Elmo directly to downtown Chattanooga, the new Erlanger Park baseball stadium for the Chattanooga Lookouts, and the broader Riverpark corridor. A short stroll puts you at BlueCross Healthy Place at St. Elmo, Mr. T's Pizza & Ice Cream, Little Coyote, and The Hot Chocolatier, with the Incline Railway and St. Elmo's walkable restaurant corridor just beyond. An assumable VA loan at 3.125% is also available for a qualifying, VA-eligible buyer -- contact the listing agent for a personalized comparison.

5505 Alabama Avenue, Chattanooga

$350,000

4 Beds ⋅ 3 Baths ⋅ 3208337 MLS ⋅ ACTIVE Status ⋅ 0.14 Acres ⋅ 37409 Zip Code

Welcome to the charming and historic St. Elmo! This beautifully renovated home blends classic character with modern updates in one of Chattanooga's most desirable neighborhoods. Offering 4 bedrooms, 2.5 bathrooms, and a huge bonus room that could serve as a 5th bedroom, office, or flex space, this home provides incredible versatility. The open-concept kitchen features brand new stainless steel appliances and flows seamlessly into the cozy living area. Updated bathrooms showcase stylish modern finishes, while the front deck offers scenic views of Lookout Mountain. Conveniently located just minutes from downtown Chattanooga and within walking or biking distance to the St. Elmo Greenway, local shops, restaurants, and the famous Lookout Mountain Incline Railway. This home has also been a successful rental, making it a great opportunity for investors or homeowners alike. Homes in St. Elmo go fast- schedule your showing today! All information is deemed reliable but not guaranteed. Buyer to verify all information deemed important.

1313 W 46th Street, Chattanooga

$499,000

3 Beds ⋅ 3 Baths ⋅ 3176423 MLS ⋅ ACTIVE Status ⋅ 0.09 Acres ⋅ 37409 Zip Code

This beautifully designed bungalow makes a statement from the moment you walk in. The open-concept great room features soaring vaulted ceilings, a gas fireplace, and seamless flow into the dining area and kitchen -- perfect for everyday living and entertaining. The main-level primary suite offers convenience and privacy, with the laundry room just steps away. A dedicated home office with pocket doors provides an ideal work-from-home space. Upstairs, an additional suite captures views toward Lookout Mountain. The third bedroom shares a full Jack-and-Jill bath and is complemented by a versatile loft -- perfect for a bonus room or second living area. Located in a welcoming community with shared amenities, residents enjoy access to a community fire pit and dog park - ideal for gathering with neighbors or enjoying time outdoors with pets. This location offers unbeatable proximity to Chattanooga landmarks and is conveniently located just 7 minutes to Chattanooga Christian School. You are just 2.3 miles from the Tennessee Riverwalk, 3.3 miles from Interstate-24, and 12 minutes from downtown Chattanooga. Enjoy immediate access to outdoor recreation at Glen Falls and Guild-Hardy Trailheads and shuttle or bike to St. Elmo's popular dining spots, including 1886 Grill, Little Coyote, and Mr. T's Pizza. If you're looking for new construction in St. Elmo with modern finishes, community amenities, and direct access to the best of Chattanooga, 1317 Thomas Avenue checks every box.

1317 Thomas Avenue, Chattanooga

$399,000

3 Beds ⋅ 3 Baths ⋅ 3133267 MLS ⋅ ACTIVE Status ⋅ 0.09 Acres ⋅ 37409 Zip Code

New Construction in the heart of St. Elmo! Welcome to 1366 Thomas Avenue -- a thoughtfully designed home offering modern style, functional living, and low-maintenance convenience. Inside, you'll find an open floor plan perfect for everyday living and entertaining, highlighted by a cozy gas fireplace that anchors the main living space. The seamless flow between the kitchen, dining, and living areas creates a bright and inviting atmosphere. A one-car garage adds both storage and practicality. Located in a welcoming community with shared amenities, residents enjoy access to a community firepit and dog park -- ideal for gathering with neighbors or enjoying time outdoors with pets. You are just 2.3 miles from the Tennessee Riverwalk, 3.3 miles from Interstate-24, and 12 minutes from downtown Chattanooga. Enjoy immediate access to specific outdoor recreation at Glen Falls and Guild-Hardy Trailheads and shuttle or bike to St. Elmo's popular dining spots, including 1886 Grill, Little Coyote, and Mr. T's Pizza. If you're looking for new construction in St. Elmo with modern finishes, community amenities, and direct access to the best of Chattanooga, 1366 Thomas Avenue checks every box.

1366 Thomas Avenue, Chattanooga

$699,000

3116320 MLS ⋅ ACTIVE Status ⋅ 37409 Zip Code

Investment opportunity at the foot of Lookout Mountain in historic Saint Elmo! Originally built circa 1900, this home now has 4, one bedroom, one bath units - 2 up and 2 down - all with different floor plans and unique character. They all boast tons of charm and varying updates throughout, and the roof and gutters were replaced in April 2022. Each unit has nice sized rooms with a kitchen (3 have room for dining/eat-in), a living room, bedroom and a full bath. The units on the main level have direct access to the covered front porch, while the upper units have a secondary rear foyer with steps down to the front porch. This upstairs rear foyer also provides a great space for bicycles, etc. All of the units have their own HVAC units and are separately metered, and the owner pays for water/sewer. Tenants and their guests utilize the parking area in the back, and there is also a small patio area for grilling. There is a convenient laundry room on the back that the tenants share. Located approximately 10 minutes from downtown Chattanooga, these quaint and convenient units have remained consistently rented throughout the seller's ownership; however, two of the units have recently been vacated, and the seller is planning to leave them empty to so they can be shown. Showings of the other occupied units will only be allowed once there is a binding agreement in place so as to minimize disruption to the tenants. Zoned RN 1-5, the property could also be used as an owner-occupied STVR or bed and breakfast with the proper permitting. Please call for more information or to schedule a showing. Information is deemed reliable but not guaranteed. Buyer to verify any and all information they deem important.

4411 Alabama Avenue, Chattanooga

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.