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Exceptional $60,000 in upgrades, an oversized 0.65-acre homesite, and refined design come together in this beautifully enhanced 4-bedroom, 2.5-bath McGinnis home. Thoughtfully selected finishes and premium upgrades distinguish this residence from standard new construction, creating a home that feels sophisticated, elevated, and exceptionally well appointed. From the moment you enter, the impressive two-story foyer creates an elegant first impression and opens to a traditional dining room, perfectly suited for entertaining. The beautifully appointed kitchen flows seamlessly into the spacious family room, creating a sophisticated yet comfortable gathering space with effortless access to the backyard. Upstairs, the private owner's suite offers a luxurious retreat, complete with an elegant tray ceiling and beautifully finished details. Three additional bedrooms each feature walk-in closets, while the spacious loft provides exceptional flexibility for a home office, sitting area, or secondary gathering space. A generous secondary bathroom and well-appointed laundry room add both convenience and style. The extensive collection of premium upgrades includes: • $60,000 in enhancements and upgrades • Expansive 0.65-acre homesite • Upgraded window package • Designer lighting package • Plantation shutters • Upgraded appliances • Full brick front elevation • Exterior floodlight • Finished and painted garage • Elegant iron railing and upgraded stair railing • Ceiling fans throughout • Tray ceiling in the owner's suite • Ceiling fan on the back porch • Upgraded tile shower floor • Enhanced attic insulation • Custom laundry room cabinetry • Dual bathroom vanities • Upgraded countertops Every detail has been thoughtfully selected to create a home that is both beautiful and functional. Call today to schedule appointment!

Highlights

  • Residential
  • Single Family Residence
  • Built in 2025
  • 0.65 Acre Lot
  • $475/yr HOA
  • 2 Car Garage
  • 19 days on Market

  • Bedrooms
    4
  • Bathrooms
    2 full · 1 half
  • Year Built
    2025
  • Stories
    2.0
  • Architectural Style
    Contemporary
  • Construction Materials
    Vinyl Siding, Brick
  • Foundation
    Slab
  • Garage Spaces
    2.0
  • Parking Features
    Driveway, Garage, Concrete, Garage Faces Front, Kitchen Level
  • Living Area
    2478.0
  • Interior Features
    Ceiling Fan(s), Walk-In Closet(s), Pantry, Granite Counters, Breakfast Bar, Double Vanity, Recessed Lighting, High Ceilings, Open Floorplan, Crown Molding
  • Appliances
    Dishwasher, Microwave, Disposal, Stainless Steel Appliance(s), Built-In Refrigerator, Built-In Electric Range, Built-In Electric Oven
  • Flooring
    Carpet
  • Exterior Features
    Private Yard
  • Patio And Porch
    Covered, Patio, Porch, Front Porch
  • Pool Features
    None
  • Cooling
    Ceiling Fan(s), Central Air
  • Heating
    Central
  • Basement
    None

  • Acres
    0.65
  • Lot Features
    Level, Cleared, Back Yard, Front Yard
  • View
    Pasture
  • Utilities
    Cable Available, Electricity Connected, Water Connected
  • Water
    Public

  • County
    Walker
  • City
    Rock Spring
  • Neighborhood
    Laurel Ridge
  • Zip Code
    30739
  • High School
    LaFayette High
  • Middle School
    Saddle Ridge Middle
  • Elementary School
    Rock Spring Elementary

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Frequently Asked Questions

How do I schedule a tour of 32 Willow Cir?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 32 Willow Cir.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 32 Willow Cir?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 2 bath, listed for $400,000. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Rock Spring, and can even get you in to see the property quickly.

How do I get a virtual tour of 32 Willow Cir?

Yes! A virtual tour is available for 32 Willow Cir. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 32 Willow Cir?

With a 20% down payment and a 30-year fixed loan at an illustrative 6.75% rate, the ez Mortgage Calculator estimates the monthly payment for 32 Willow Cir at around $2,195. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 32 Willow Cir?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Walker County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 32 Willow Cir?

In most cases, yes. Whether 32 Willow Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Rock Spring's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 32 Willow Cir?

We can handle that for you. Our preferred local agent specializes in residentials in Rock Spring and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $400,000 with 2,478 sqft of space—that comes out to approximately $161 per square foot.

How long has this property been on the market?

32 Willow Cir was listed on October 20, 2026, which means it's been on the market for 19 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2025, making it approximately 1 years old.

What is the lot size of this property?

32 Willow Cir sits on a 0.65-acre lot, which is 28,314 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: Rock Spring Elementary
  • Middle: Saddle Ridge Middle
  • High: LaFayette High

Want to see how these schools compare? Check out our Walker County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 32 Willow Cir?

The most recent public record shows annual property taxes for 32 Willow Cir were approximately $313. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $475 paid annually.

This covers access to community features including: None.

Is 32 Willow Cir still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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The data relating to real estate for sale on this website comes in part from the Internet Data exchange (IDX) program of the Greater Chattanooga Association of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Information deemed reliable but not guaranteed. Continental Real Estate Group, Inc does not display the entire MLS of Chattanooga, Inc. database on this website. The listings of some real estate brokerage firms have been excluded. Copyright © 2026 Greater Chattanooga Association of REALTORS®. All Rights Reserved.