Existing VA loan at 3.125% may be assumable -- potential savings of $7,400+ per year compared to current market rates. Contact agent for details. One of the larger lots available in St. Elmo's new construction market. Primary suite on main level, open floor plan, move-in ready. Built in 2021, this one-owner home offers the comfort and efficiency of newer construction in the highly desirable St. Elmo community at the foot of Lookout Mountain. The open-concept floor plan features hardwood flooring throughout the main living areas, neutral finishes, and a functional layout designed for both everyday living and entertaining. The kitchen includes granite countertops, a center island, and ample cabinetry that flows seamlessly into the dining and living spaces. The primary bedroom is conveniently located on the main level and features an en-suite bath with double vanity and walk-in shower. Additional bedrooms and a full bath upstairs provide flexible space for guests, a home office, or hobbies, while a dedicated laundry and mudroom area adds everyday convenience. Outdoor living is designed for low-maintenance enjoyment while still offering practical space for gardening and everyday use, including raised garden beds, a producing fig tree, and a spacious concrete patio area ideal for seating, grilling, and entertaining. A storage building and off-street parking add additional functionality. Situated in the heart of St. Elmo at the foot of Lookout Mountain, the home is just minutes from the historic Incline Railway, neighborhood restaurants, parks, and outdoor recreation. Local favorites, including The Hot Chocolatier just around the corner, contribute to the walkable lifestyle that makes this community so desirable.