An assumable VA loan at 3.125% sets this home apart before you ever walk through the door. At today's rates, a buyer stepping into this loan saves approximately $900 per month -- over $10,700 per year -- compared to new financing. That's not a marketing claim, that's math. Contact the listing agent for full assumption details and lender referrals. 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 -- not St. Elmo South. The open-concept main level features dark 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. Professionally staged and showing beautifully. Move-in ready. The Tennessee Riverwalk's 13-mile paved greenway connects St. Elmo directly to downtown Chattanooga, the new Erlanger Park ballpark, and the broader Riverpark corridor -- on foot or by bike. Steps from The Hot Chocolatier, the Incline Railway, and St. Elmo's walkable restaurant and retail corridor. Minutes from downtown Chattanooga and Lookout Mountain trailheads. If you have a VA-eligible buyer, this assumption is worth a serious conversation. All qualified buyers will be considered.