USDA $0 Down Financing Eligible | 2021 Home | Workshop + No HOA
Buy this home with $0 down using USDA financing and enjoy the freedom of no HOA restrictions just minutes from Chattanooga. Built in 2021, this move-in ready one-level home offers the benefits of newer construction without the added costs, restrictions, or wait times of new builds.
Inside, you'll find a bright open layout with vaulted ceilings, durable LVP flooring, granite countertops, and a farmhouse sink island that anchors the kitchen and living space. The split-bedroom floor plan provides privacy for the primary suite, while two additional bedrooms offer flexibility for guests, family, or a home office.
Step outside to a fully fenced backyard, perfect for pets, kids, or relaxing evenings around a fire pit. The gently sloped yard provides added privacy and natural drainage while still offering usable outdoor space.
One of the standout features of this property is the 25' x 12' detached outbuilding -- already in place and ready for use as a workshop, home gym, hobby space, craft studio, remote office, or extra storage. Homes with this level of flexibility are increasingly hard to find, especially without HOA restrictions.
Conveniently located:
• 5 minutes to Chickamauga Battlefield
• 20 minutes to downtown Chattanooga
• Minutes from shopping and dining
• Zoned for well-regarded local schools
Why buyers love this home:
• Built in 2021 (modern construction & lower maintenance)
• USDA $0 down financing eligible
• No HOA restrictions
• Fully fenced backyard
• Detached workshop / studio / hobby space
• 20 minutes to Chattanooga
If you've been searching for a newer home with space, flexibility, and freedom to use your property the way you want, this Rock Spring property delivers.
Homes with these features under $330K are becoming increasingly rare -- schedule your showing today.
For sale
Price cut: $7.9K (3/7)
$327,000
1909 Old Lafayette Rd, Rock Spring, GA 30739
3beds
1,572sqft
Est.:
Single Family Residence
Built in 2021
0.35 Acres Lot
$325,700 Zestimate®
$208/sqft
$-- HOA
What's special
Fully fenced backyardFarmhouse sink islandBright open layoutGranite countertopsUsable outdoor spaceSplit-bedroom floor planVaulted ceilings
- 26 days |
- 1,836 |
- 67 |
Likely to sell faster than
Zillow last checked: 7 hours ago
Listing updated: March 13, 2026 at 09:49am
Listed by:
Candice Neal 706-273-9176,
Real Estate Partners Chattanooga LLC
Source: Greater Chattanooga Realtors,MLS#: 1528759
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Primary bedroom
- Level: First
Bedroom
- Level: First
Bedroom
- Level: First
Primary bathroom
- Description: Full Bathroom
- Level: First
Bathroom
- Level: First
Dining room
- Level: First
Laundry
- Level: First
Living room
- Level: First
Heating
- Central, Electric
Cooling
- Central Air, Electric
Appliances
- Included: Dishwasher, Electric Water Heater, Free-Standing Electric Range, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Range Hood
- Laundry: Electric Dryer Hookup, Gas Dryer Hookup, Inside, Laundry Room, Main Level, Washer Hookup
Features
- Beamed Ceilings, Ceiling Fan(s), Crown Molding, Double Vanity, Granite Counters, High Ceilings, High Speed Internet, Kitchen Island, Open Floorplan, Pantry, Recessed Lighting, Storage, Stone Counters, Tray Ceiling(s), Walk-In Closet(s), Separate Shower, Tub/shower Combo, En Suite, Split Bedrooms
- Flooring: Luxury Vinyl, Plank
- Windows: Insulated Windows, Vinyl Frames
- Has basement: No
- Number of fireplaces: 1
- Fireplace features: Gas Log, Great Room, Propane
Interior area
- Total structure area: 1,572
- Total interior livable area: 1,572 sqft
- Finished area above ground: 1,572
Property
Parking
- Total spaces: 2
- Parking features: Concrete, Garage, Garage Door Opener, Off Street, RV Access/Parking, Garage Faces Front, Kitchen Level
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered, Deck, Front Porch, Patio, Porch, Rear Porch, Porch - Covered
- Exterior features: Dog Run, Private Yard, Rain Gutters, Smart Lock(s)
- Pool features: None
- Spa features: None
- Fencing: Fenced,Full,Privacy,Wood
Lot
- Size: 0.35 Acres
- Dimensions: 131 x 131 x 133 x 102
- Features: Back Yard, Gentle Sloping, Level, Private, Secluded, Sloped, Sloped Up, Rural
Details
- Additional structures: Kennel/Dog Run, Outbuilding, RV/Boat Storage, Shed(s), Workshop
- Parcel number: 0326 022
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Other
- Property subtype: Single Family Residence
Materials
- HardiPlank Type, Fiber Cement
- Foundation: Concrete Perimeter, Slab
- Roof: Shingle
Condition
- New construction: No
- Year built: 2021
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Cable Connected, Electricity Connected, Water Connected
Community & HOA
Community
- Features: None
- Security: Smoke Detector(s)
- Subdivision: None
HOA
- Has HOA: No
Location
- Region: Rock Spring
Financial & listing details
- Price per square foot: $208/sqft
- Tax assessed value: $341,995
- Annual tax amount: $2,559
- Date on market: 2/18/2026
- Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
- Inclusions: outbuilding
- Road surface type: Paved
Estimated market value
$325,700
$309,000 - $342,000
$1,883/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/7/2026 | Price change | $327,000-2.4%$208/sqft |
Source: Greater Chattanooga Realtors #1528759 Report a problem | ||
| 2/18/2026 | Listed for sale | $334,900-6.2%$213/sqft |
Source: Greater Chattanooga Realtors #1528759 Report a problem | ||
| 9/30/2025 | Listing removed | $357,000+2.3%$227/sqft |
Source:  RealTracs MLS as distributed by MLS GRID #2974212 Report a problem | ||
| 8/22/2025 | Price change | $349,000-2.2%$222/sqft |
Source: Greater Chattanooga Realtors #1518213 Report a problem | ||
| 8/8/2025 | Listed for sale | $357,000+15.2%$227/sqft |
Source: Greater Chattanooga Realtors #1518213 Report a problem | ||
| 2/17/2022 | Sold | $310,000$197/sqft |
Source: RealTracs MLS as distributed by MLS GRID #2356740 Report a problem | ||
| 1/14/2022 | Contingent | $310,000$197/sqft |
Source: Greater Chattanooga Realtors #1344270 Report a problem | ||
| 12/7/2021 | Price change | $310,000-3.1%$197/sqft |
Source: Greater Chattanooga Realtors #1344270 Report a problem | ||
| 11/17/2021 | Price change | $320,000-1.5%$204/sqft |
Source: Greater Chattanooga Realtors #1344270 Report a problem | ||
| 10/5/2021 | Listed for sale | $325,000+25%$207/sqft |
Source:  RCAR #20215848 Report a problem | ||
| 3/29/2021 | Sold | $260,000+0%$165/sqft |
Source: Public Record Report a problem | ||
| 2/24/2021 | Contingent | $259,900$165/sqft |
Source: Greater Chattanooga Realtors #1331271 Report a problem | ||
| 2/19/2021 | Listed for sale | $259,900$165/sqft |
Source: Greater Chattanooga Realtors #1331271 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $2,897 +0.9% | $136,798 +2.3% |
| 2024 | $2,872 +3% | $133,672 +5.9% |
| 2023 | $2,789 +8.4% | $126,206 +14.7% |
| 2022 | $2,573 +90% | $110,047 +136.3% |
| 2021 | $1,354 +1822.1% | $46,564 +1291.6% |
| 2020 | $70 -20.4% | $3,346 |
| 2019 | $89 -11.9% | $3,346 |
| 2018 | $101 0% | $3,346 |
| 2017 | $101 | $3,346 |
| 2016 | $101 +22.8% | $3,346 +12.4% |
| 2015 | $82 +9.1% | $2,976 |
| 2014 | $75 | $2,976 |
| 2013 | $75 | $2,976 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$1,795/mo
Principal & interest
$1580
Property taxes
$215
More affordability tools
Climate risks
Neighborhood: 30739
Nearby schools
GreatSchools rating
- 5/10Saddle Ridge Elementary And Middle SchoolGrades: PK-8Distance: 1.2 mi
- 7/10Lafayette High SchoolGrades: 9-12Distance: 7.7 mi
Schools provided by the listing agent
- Elementary: Rock Spring Elementary
- Middle: Saddle Ridge Middle
- High: LaFayette High
Source: Greater Chattanooga Realtors. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
Local experts in 30739
- Georgia
- Walker County
- Rock Spring
- 30739
- 1909 Old Lafayette Rd
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