Frequently Asked Questions

Q. Why should I move to an Active Adult Living Community?


Repose, re-create, re-connect, re-invent, re-invigorate! Take control of your own choices. Be independent. Be in community. Have less clutter and less maintenance. Make room for other priorities. Plan for the future!

Q. Where is Brow Wood?


Twenty minutes from downtown Chattanooga, one mile south of Covenant College, on the western Brow of beautiful Lookout Mountain.

Q. Why relocate to the Chattanooga, Lookout Mountain area?


Chattanooga is one of the most affordable and livable mid-­‐sized cities in the United States. It is especially known for its vibrant downtown and outdoor opportunities, but it offers the advantages of a larger city with few of the problems associated with major metropolitan areas. It is centrally located with four distinct but still temperate seasons. Lookout Mountain has a wonderful neighborly feel, known to be safe and family-­‐friendly. There are many worthwhile community activities in which to engage. Covenant College offers concerts, lecture series, athletic events, a library, classes, and enterprising students, as well as an outdoor pool, tennis courts, and a fitness center that are available to nearby residents. The Lookout Mountain Golf Club, a great mountain course, and the Fairyland Club are ten minutes away, with reasonable membership rates. A doctor’s office, dentist, veterinarian, post office, spa, gas station, the Market on the Mountain (a small neighborhood store), and restaurants are nearby, as well as thousands of acres of outdoor parks and trails. Near Brow Wood are Presbyterian, Catholic, Episcopal, Methodist, Baptist, and Independent Churches.

Q. What types of housing will be available?


On the brow side, (the West side of Scenic Highway), there will be single family homes and townhomes along the brow. Across from these homes on the “brow-view” lots, there will be single family homes and townhomes that have already been designed to make building a new house as easy as possible. An owner has the option to make changes to customize the home.

On the Woodlands side, (the East side of Scenic Highway), there will be a 48-room Assisted Living facility including 14 rooms for memory care, monthly-rental independent living townhomes, and a few individually-owned single family homes. Construction on the state-of-the-art Assisted Living and Independent Living facility is expected to begin Fall 2013.

Q. What is the range of lot prices on the brow side?


There are two categories of lots: brow and brow-view...

  • Brow lots range from $152,400 to $209,000
  • Brow-view lots range from $80,000 to $89,000
    (on the Brow side of Scenic Highway, but just off the Brow)

The site plan may be seen here.

Q. How much would a typical home or townhome cost on the Brow side?


Using the current costs of construction and an architecturally-designed home plan with hardwood floors, 9’ ceilings, granite countertops, and large bathrooms, we estimate that the cost of a two-bedroom townhome will vary from $364,000 to $439,000 depending on location of the townhome. A typical two-bedroom predesigned home would start at $350,000, with add-ons available. Prices for homes and townhomes are all inclusive (design, lot, home, site preparation, landscaping, drive, mailbox, real estate commission).

Before building a home, the design and site plan must be submitted for architectural review and site plan approval, for which there is a $750 fee.

Construction costs may vary over the time period between now and construction of the home.

Q. Is this community a “Continuing Care Retirement Community”?


No, that is a different model. All homes on the Brow side will be owned fee simple. Homes on the Woodlands side will either be owned fee simple or available for monthly rental. We believe most people prefer to live independently as long as possible, make their own health choices, and pay a fee for services rendered.

Q. What health care options will be available?


Brow Wood is in the final stages of securing financing for Brow Wood Assisted Living, a 48-­unit facility with nursing care and food service. Once Brow Wood Assisted Living is built and staffed, all residents of Brow Wood will have access to Brow Wood Home health care, which will offer care on a market-­based fee for service. We expect that Brow Wood Assisted Living will open by the summer of 2014.

Q. What community amenities are currently planned?


Because of the proximity to so many public amenities and the "get-up-and-go" concept, Brow Wood did want to saddle residents with paying for duplicate amenities available nearby. The master plan calls for a small pavilion with an outdoor patio with a kitchen suitable for events for fifty people. This will be built in two phases and the outdoor phase will be available in 2013. The main road is 24-­feet wide and ideal for a one-mile roundtrip loop with outdoor spaces and stops along the way. There is also a small pond and a community garden.

As the community develops, the design calls for a commercial area on the east side of Scenic Highway. Actual services will depend on commercial interest but could include the following: market and bistro (which will provide dine­‐in, take­‐out and catering service, with accompanying specialty foods available for purchase), hair salon, and a general store. In addition, the commercial area is designed for office space, light retail, and health, fitness, arts and crafts areas.

Q. Will there be Continuing Covenants and Restrictions (CC&R’s)


Yes. CC&R’s will lay out various design guidelines that will ensure high quality construction and a consistent aesthetic throughout the entire community. These guidelines are available for your review under "Resources" on the Brow Wood website, subject to minor revisions as the project develops. (CC&R’s may be seen here). Architectural Review Design and Process Guidelines are also available under "Resources" on the website.

Q. Will there be a homeowners association?


Yes. A monthly maintenance fee will be charged that will provide for lawn care, care of common areas, security, community utilities, etc.

Q. What utilities will service the community?


Dade County Water, Chattanooga EPB power and Fiber Optic, Georgia Natural Gas, and Lookout Mountain Sewer. A private contractor will provide garbage service.

Q. Must this be my primary residence?


It could be a second home, but there will be limitations on renting the home. We hope that for most people this will be their primary home.

Q. How soon can I start to build?


The initial construction of roads and utilities should be completed by the Fall of 2012.

Once you receive clear title to your lot and the design review committee approves building plans, construction of your new home can begin immediately. We really want to encourage homebuilding as soon as possible, but we know that for some this will require selling your own home. Even if you do not build a home immediately, you must expect a monthly maintenance fee, which will be lower for unimproved lots.

Q. Will there be a realtor?


Brow Wood is using Real Estate Partners, Inc as the listing agent. Beth Harrell is the sales agent.

Q. What is AALC?


AALC, Inc stands for Active Adult Living Community, and it is a non-­‐profit created to provide health, religious, and educational services to meet the needs of the elderly. AALC owned the land on which Brow Wood will be built and helped gain entitlements on that land so that it would be possible to build a unique community on Lookout Mountain. AALC will actively solicit donations to enhance the quality of life for seniors, and AALC will enter into contracts with a for-profit assisted living manager to manage Brow Wood Assisted Living commensurate with AALC’s ideals for Christ-centered service to others. There will be a transfer fee payable on all property transfers to aid AALC accomplish its mission.

Q. What are the total estimated costs for taxes, HOA, and utilities?


Estimated Annual Costs Associated With 1700 square foot Pre-designed Home Or Townhome 

Electricity $840
Gas $840
Water $300
Sewer $660
Home Lawn Care  $1200
Property Taxes (For Those Over 65 In A $300K Home) $984
Cable/Telephone/Internet (EPB Bundle) $1680
Home Maintenance ¹ <$960
2013 HOA Dues (including $492 for sewer connection) $1335
Insurance (West Brow Fire District) ² $1500
Garbage Service $240
Georgia Income Tax ³  
  1. While initial costs should be less than $1000 per year, all homes will need occasional painting, roofing, and other repair, no matter how well-built. Brow Wood guidelines are designed to minimize maintenance and utility costs.
  2. This quote assumes a better rate by buying both auto and homeowner’s insurance from the same company.
  3. Georgia’s income tax starts lower than 6% but quickly gets up to 6%, so the most conservative estimate is 6%. However, if you are over 65, Georgia allows a deduction of $65,000 per person on dividend and interest income in 2012, and a $100,000 deduction per person in 2013. And you can deduct Georgia state income tax from your federal tax return. In Georgia, there is no state inheritance tax.
    If you live in Tennessee, you may pay 6% Hall tax on dividend and interest income.