**Seller offering 2/1 buy-down up to $7,500.** **Home was renovated to the studs in 2012 with updates including: roof, electric, plumbing, HVAC, windows, floor, kitchen, and bathroom. Crawlspace has been professionally water proofed by Basement Correctors 7/25. ** Welcome to 4913 Virginia Avenue, a charming bungalow nestled in the heart of historic St. Elmo, just around the corner from the neighborhood's recently upgraded playground. This freshly painted 2-bedroom, 1-bath home offers inviting curb appeal with a cute sitting porch and space out front for your dream garden. Inside, you'll find an open-concept layout with hardwood floors, built-ins, a decorative fireplace, and stylish new light fixtures that add character throughout. The living area flows into a sunny dining space that opens to the backyard, perfect for enjoying your morning coffee or winding down in the evening. The kitchen provides ample cabinet storage, Formica countertops, and enough room to add an island if you wish. Just off the kitchen, a separate laundry room with backyard access makes everyday chores more convenient. Out back, enjoy a flat, privacy-fenced yard with plenty of sunlight, ideal for pets, play, or a raised bed garden, along with a rear deck ready for entertaining. There is also alley access and off-street parking for added convenience. St. Elmo is known for its eclectic charm and vibrant community, tucked at the base of Lookout Mountain and only minutes from downtown Chattanooga. With the Virginia Avenue Greenway, local restaurants, shops, trails, and even a nearby waterfall, you'll have nature and neighborhood spirit all in one place. This cozy gem is ready to welcome you home. Schedule your showing today. Local lenders preferred. **Through our preferred lender, the seller is is offering a 2/1 rate buy -down up to $7,500. 2% lower interest rate for 1st year. 1% lower interest rate for 2nd year. Saving potential of $397 per month in 1st year! Buyer is eligible for Rate Rebound Refi Program. 100% financing is also available. Terms and conditions apply.**
