1 Acre Land for Sale in Chattanooga, TN with R5 Zoning and Utilities Listed

For buyers looking for a compact residential land opportunity inside Chattanooga, the key questions are practical: whether the site can support the intended use, what services are actually available, and what must be verified before closing.

This listing is a 1-acre vacant land parcel at 1770 Explorer Ln, Chattanooga, Hamilton County, TN 37421, identified as parcel 159k B 016. It is offered at $25,000 cash or $32,000 with owner financing.

The supplied listing data shows R5 zoning, paved road access, public water, and public sewer. Those are useful starting points, but buyers should confirm zoning, permits, flood risk, utility connection status, and legal access through official Chattanooga and Hamilton County records.

Listing image provided for the 1770 Explorer Ln Chattanooga land offering.

Property snapshot

Here is what the supplied property data says, along with why each item matters for a land buyer evaluating the parcel.

Chattanooga and Hamilton County setting

This parcel is in Chattanooga, within Hamilton County, Tennessee, in ZIP code 37421. The location matters because land-use review may involve city zoning tools, county parcel records, utility providers, and any applicable flood or stormwater review.

For parcel-specific research, Chattanooga’s official zoning and mapping resources are especially important. The city provides access to zoning, GIS, flood-risk, and verification tools that can help a buyer compare the listing details with official records.

Hamilton County GIS and assessor resources are also useful because parcel boundaries, ownership, assessed values, and tax records should be checked independently. County GIS notes that different map layers may come from different agencies, so buyers should not treat an online map as a survey.

Additional listing image for the 1-acre Chattanooga parcel; buyers should verify on-site conditions independently.

Potential buyer fit and realistic uses

This listing may fit buyers looking for a small Chattanooga residential land opportunity with public water and public sewer listed. The most likely buyer is someone who wants to investigate a residential use, compare utility-served lots, or hold a parcel after completing local due diligence.

Any use should be conditioned on official zoning confirmation, permit review, legal access, utility availability, flood-risk findings, recorded restrictions, setbacks, and site-specific conditions. A buyer should not assume that the R5 code or the residential buildable category automatically approves a home or any particular improvement.

• A residential homesite evaluation, if R5 zoning, setbacks, access, utilities, and permitting support the proposed plan
• A utility-served land hold for a buyer comfortable completing Chattanooga and Hamilton County verification before closing
• A compact infill-style residential lot candidate, subject to lot dimensions, buildable area, stormwater, and utility connection costs
• A parcel for buyers comparing owner-financed land options in Chattanooga while reviewing the full contract terms

Due diligence checklist before you buy

Before closing, confirm the facts that determine whether this 1-acre parcel can support your intended use. Focus on official records, written utility confirmations, and survey-grade information where needed.

Owner financing overview

The supplied data says owner financing is available at a $32,000 owner-finance price with a $10,000 down payment. The stated APR is 10%, and the financed amount is $22,000.

The listing provides three monthly payment options: $467.43 for 5 years, $365.23 for 7 years, or $290.73 for 10 years. A $249 processing and origination fee is listed separately and is not included in the financed amount or the monthly payments.

The seller-provided terms also describe a contract for deed, with the deed transferred after final payment. Buyers should review the written contract carefully and understand when title transfers, what happens after missed payments, and whether there are additional costs.

• What is the total amount paid over the full term, including down payment, monthly payments, and fees?
• When exactly is the deed transferred, and what document protects the buyer before final payment?
• Are there prepayment penalties, late fees, default rules, or additional closing costs?
• Who pays taxes, insurance, maintenance, and any utility or permit costs during the contract period?

Cash purchase versus owner financing

The cash price is $25,000, while the owner-finance price is $32,000 before interest and the separate processing/origination fee. A cash buyer may pay a lower stated purchase price, but must bring the full amount at closing.

Owner financing lowers the initial purchase hurdle to the stated $10,000 down payment, but the financed structure carries a higher contract price and interest at 10% APR. Buyers should compare the convenience of payments against the total cost and contract risks.

Questions buyers may ask about this property and area

Bottom line for buyers

This 1-acre Chattanooga parcel has several buyer-friendly listing details: a defined parcel number, R5 zoning listed, paved road access listed, public water and sewer listed, and both cash and owner-finance pricing.

The opportunity is strongest for a buyer who wants a small residential land candidate and is willing to do the necessary verification before closing. The key unresolved items are not unusual for vacant land: zoning confirmation, utility connection status, legal access, flood/drainage conditions, setbacks, and recorded restrictions.

If the parcel checks out for your intended use, the $25,000 cash price and the seller-financing option give buyers two different ways to approach the purchase. Compare the total cost of each route and get all financing terms in writing.