The Retreat at Oakbrook — Ooltewah, TN
Pratt’s newest single-level townhomes: maintenance-free, accessible by design, attainably priced — and open to all ages.
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What it is
The Retreat at Oakbrook is a brand-new community of single-level (and some two-level) townhomes by Pratt Home Builders, in the Ooltewah / East Brainerd corridor with quick access to I-75 and roughly 20 minutes to downtown Chattanooga. You can build to order with design selections or buy a move-in-ready unit. Pricing for townhomes has commonly run from the low-to-mid $300,000s for move-in-ready product, which is attainable for the Chattanooga market.
Why it works for downsizers
- Maintenance-free by HOA. The association handles lawn mowing, landscaping, and exterior care in common and yard areas — the core of true lock-and-leave living.
- Single-level living available. Floor plans include single-story layouts so you can avoid stairs entirely.
- Accessibility built in. Pratt highlights features like wide doorways and roll-in showers on select plans — unusual to find standard in new construction at this price.
- New, not resale. Builder warranties (Pratt advertises a 2-year systems and 10-year structural warranty) and current finishes, versus taking a unit as-is.
The tax advantage: county-only
Like Stonebrook, Oakbrook sits in unincorporated Hamilton County, so owners pay the county rate with no city levy on top. That keeps the effective property tax around 0.38% of value — roughly half what an in-city Chattanooga address pays.
| 2025 estimate (no exemptions) | Oakbrook townhome ~$340,000 |
|---|---|
| Assessed value (25%) | ~$85,000 |
| County rate $1.5157/$100 | ~$1,288/yr property tax |
| State income tax on retirement income | $0 |
Combine a low purchase price, county-only taxes, and zero state income tax, and the carrying cost is genuinely modest. What you give up versus Stonebrook is the longer track record of an established community; what you gain is a new home and a warranty.
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