2109 Garfield St, Chattanooga, TN 37404

Buyer assistance up to $21,000 may be available! This home qualifies under Chattanooga's Down Payment Assistance Program, and qualified buyers may be eligible for up to $21,000 in combined assistance through City of Chattanooga and THDA programs. If you're currently paying around $1,600 per month in rent, homeownership may be closer than you think. Three bedroom renovated home just over $200K minutes from downtown/UTC/hospitals,Recently renovated and move-in ready, this charming Chattanooga home combines modern updates, original character, and a convenient central location. Inside, natural light fills the spacious living room and highlights the original hardwood floors. The updated kitchen features refreshed cabinetry, countertops, and newer appliances, with direct access to a large rear deck overlooking a level, fenced backyard--ideal for entertaining, pets, gardening, or additional outdoor space. The generous lot may also offer potential for a future secondary dwelling, subject to zoning and approval. Major improvements have already been completed, including updates to the roof, HVAC, water heater, electrical, plumbing, kitchen, bathroom, and appliances. New exterior siding and fresh paint add to the home's curb appeal and help make this a truly move-in-ready opportunity. Located just minutes from Downtown Chattanooga, UTC, Erlanger Hospital, CHI Memorial Hospital, shopping, dining, and major highway access, 2109 Garfield Street offers convenient access to many of Chattanooga's largest employers and everyday amenities. Whether you're a first-time buyer looking for an affordable path to homeownership or an investor seeking a low-maintenance rental opportunity, this property offers excellent flexibility and value. Plus, the seller is offering a paid home warranty for additional peace of mind.