An assumable VA loan at 3.125% sets this home apart before you ever walk through the door. The monthly savings compared to current market rates are substantial -- contact the listing agent for a personalized side-by-side comparison. A newly installed cedar privacy fence adds separation and definition to the rear patio. 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. The open-concept main level features dark engineered 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. Upstairs, a generous landing at the top of the stairs offers the perfect dedicated space for a home office. Move-in ready. The Tennessee Riverwalk's 13-mile paved greenway connects St. Elmo directly to downtown Chattanooga, the new Erlanger Park baseball stadium for the Chattanooga Lookouts, 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 are a VA-eligible buyer, this assumption is worth a serious conversation. Seller requires a VA-eligible buyer to preserve entitlement.