Smith County Homes under $400,000

Smith County Homes under $400,000

Welcome to Smith County, Tennessee, a hidden gem nestled in the heart of the Volunteer State! Known for its picturesque landscapes and rich history, this charming county offers a unique blend of small-town charm and natural beauty. With rolling hills, serene lakes, and lush greenery, Smith County is the ideal backdrop for those seeking a peaceful lifestyle while still being within reach of urban conveniences.

For homebuyers looking for affordability without sacrificing quality, Smith County is a treasure trove of options. The real estate market here is thriving, with a variety of homes available for under $400,000. Whether you’re a first-time buyer, a growing family, or looking to downsize, you’ll find a diverse selection of properties that cater to your needs. From cozy cottages to spacious family homes, the choices are plentiful and varied.

Imagine waking up in a charming home surrounded by the natural beauty of Smith County, where outdoor activities abound. Enjoy fishing and boating on the stunning Cordell Hull Lake or explore the local parks and trails that invite you to embrace the great outdoors. The community is warm and welcoming, with friendly neighbors and local events that foster a strong sense of belonging.

Smith County is not just a place to live; it’s a place to thrive. With its affordable housing options and a vibrant community spirit, you’ll find that this county is the perfect place to call home. Discover your dream home in Smith County today, where comfort meets affordability in a truly enchanting setting!

Newest Smith County Homes under $400,000

537 Defeated Creek Hwy, Carthage
$369,900
COMING SOON / HOLD Status ⋅ 3 Beds ⋅ 1 Baths ⋅ 3603766 MLS ⋅ COMING SOON / HOLD Status ⋅ 0.45 Acres ⋅ 37030 Zip Code
Welcome to your perfect blend of comfort, convenience, and lifestyle. This beautifully updated 3-bedroom home offers thoughtfully designed living space, set on a spacious 0.45-acre lot just steps from the water. Step inside to find a home that has been completely remodeled from top to bottom. The kitchen is a standout feature with custom cabinetry, granite countertops, and updated appliances, all complemented by durable luxury vinyl plank flooring that flows seamlessly throughout the home. The updated bathroom adds a modern touch, while major system upgrades—including a new roof, new sewer field lines, and a newer HVAC (approx. 5 years old)—provide peace of mind for years to come. Outdoors, this property truly shines. Sit on your rocking chair front porch with a view of the lake. Enjoy a fully fenced backyard offering privacy and space to relax or entertain. Cool off in the above-ground pool, or take advantage of the fully finished 8x10 detached office, complete with electricity, insulation, and heating & air—perfect for remote work, a hobby space, or private retreat. For those who love the outdoors, this location is hard to beat. Direct lake access sits right across the street, featuring a convenient pull-off area ideal for launching kayaks or small boats, along with a great fishing spot just steps from your front door. Plus, Defeated Creek Campground is less than 3 miles away, offering even more opportunities for recreation and relaxation. This home delivers the lifestyle buyers are looking for—modern updates, functional space, and unbeatable access to the water—all at an incredible value.

537 Defeated Creek Hwy, Carthage

8 Young Bottom Ln, Buffalo Valley
$129,900
ACTIVE Status ⋅ 2 Beds ⋅ 2 Baths ⋅ 3601562 MLS ⋅ ACTIVE Status ⋅ 1.13 Acres ⋅ 38548 Zip Code
OWNER FINANCING AVAILABLE — ONLY $5,000 DOWN! Enjoy peaceful country living near the water with this well-kept home situated on a spacious lot in the beautiful Buffalo Valley/Granville area. The home offers a bright, comfortable interior with attractive wood-look flooring, a spacious living area with fireplace, vaulted ceilings, and a nicely updated kitchen featuring abundant cabinetry, an island, stainless appliances, and plenty of workspace. The country setting is a major highlight, offering plenty of open space and a relaxed rural atmosphere while keeping you close to some of the area’s best outdoor recreation. Indian Creek Campground is nearby on Cordell Hull Lake, offering convenient access to boating, fishing, swimming, camping, and other outdoor activities. You’re also just a short drive from Granville, with additional lake access, recreation, shops, and attractions in the area. This is a great opportunity for someone looking for an affordable home in the country without having to go through traditional bank financing. Offered at $129,900 with OWNER FINANCING: $5,000 down • 9% interest • 30-year amortization • Approx. $1,004.97/month principal & interest. With a spacious lot, peaceful surroundings, proximity to Cordell Hull Lake and Indian Creek Campground, and flexible owner-financing terms, this property offers an attractive combination of affordability and country living.

8 Young Bottom Ln, Buffalo Valley

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Information Is Believed To Be Accurate But Not Guaranteed. Some or all listings may or may not be listed by the office/agent presenting these featured properties. Copyright 2026 MTRMLS, Inc. RealTracs Solutions.