1909 Old Lafayette Road

Now Under $320K, USDA $0 Down Financing Eligible | 2021 Home | Huge Outbuilding + No HOA + Fenced yard! 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 $320K are rare -- schedule your showing today.