Clay County Homes under $400,000

Clay County Homes under $400,000

Welcome to Clay County, a hidden gem nestled in the heart of the United States! Known for its stunning landscapes and tight-knit communities, Clay County offers a unique blend of rural charm and modern conveniences, making it an ideal place to call home. With its rich history, vibrant local culture, and access to outdoor activities, this county is perfect for families, retirees, and anyone looking to escape the hustle and bustle of city life.

One of the most appealing aspects of Clay County is its diverse range of homes available for under $400,000. Whether you're a first-time homebuyer or seeking an investment opportunity, you'll find a variety of options that cater to different tastes and lifestyles. From cozy single-family homes to charming townhouses, there’s something for everyone in this price range. Many properties boast spacious yards, modern amenities, and proximity to top-rated schools and parks, making them perfect for families.

The community spirit in Clay County is palpable, with numerous local events, farmers' markets, and festivals that bring residents together. The natural beauty of the area, with its rolling hills and scenic parks, provides endless opportunities for outdoor activities such as hiking, fishing, and biking.

With affordable housing options and a welcoming atmosphere, Clay County is not just a place to live—it's a place to thrive. Explore the possibilities of homeownership in this enchanting county and discover why so many are choosing to make Clay County their forever home!

Newest Clay County Homes under $400,000

1790 Foggy Day Drive, Middleburg
$150,000
4 Beds ⋅ 3 Baths ⋅ 10879602 MLS
Foreclosure Auction Ends November 4, 2026 at 10:00 AM EST. Discover this inviting 4-bedroom, 3-bathroom single-family home, offering a wonderful opportunity to live in the desirable Middleburg community. Sold As-is. Explore more details and submit your bid through Federa Home App.

1790 Foggy Day Drive, Middleburg

Listing courtesy of Federa.

721 Pleasant Grove Road, Lineville
$125,000
3 Beds ⋅ 1 Baths ⋅ 10857969 MLS
Bring your vision to this fixer-upper farmhouse situated on approximately 10 acres in Lineville, Alabama! Offering plenty of space, privacy, and potential, this property is ready for someone to restore and make it their own. With room for a garden, animals, or simply enjoying peaceful country living, the possibilities are endless. A great opportunity to create your own country retreat! Property being sold "As Is".

721 Pleasant Grove Road, Lineville

Listing courtesy of Keller Williams Realty Carrollton.

503 Hancock Street, Fort Gaines
$299,900
4 Beds ⋅ 2 Baths ⋅ 10849463 MLS
Space, acreage, and small-town charm-all just minutes from Lake Eufaula! Welcome to this spacious 4-bedroom, 2-bath home situated on just over 2 acres in Fort Gaines, GA. Inside, you'll find generous living areas, three fireplaces, a functional kitchen with plenty of counter and storage space, a breakfast area, separate dining room, and a beautiful, spacious sunroom featuring stylish round windows that add character and natural light. The home also features two central electric heating and cooling systems, a 2026 roof, select windows updated in 2026, and a huge walkable attic with a closet for additional storage. Outside, enjoy a fenced backyard, storage building, 2-car garage, barn with an additional 2-car carport, and plenty of room to spread out and enjoy the outdoors. Conveniently located approximately 30 minutes from Eufaula, AL, 45 minutes from Dothan, 80 minutes from Columbus, and 2 hours from Tallahassee. If you've been looking for more space, acreage, character, and a great opportunity, this Fort Gaines home is waiting for you. Schedule your showing today!

503 Hancock Street, Fort Gaines

Listing courtesy of Vylla Home.

476 Licklog Ridge, Hayesville
$379,000
3 Beds ⋅ 3 Baths ⋅ 10845435 MLS
Here is your mountain retreat in the highly sought-after Mountain Harbour gated golf community! This beautiful end unit townhome offers the perfect blend of comfort, style, and resort-style amenities, all surrounded by breathtaking mountain scenery. Step inside to a spacious open-concept living area, and a stunning stacked-stone gas-log fireplace that creates the perfect gathering space. The kitchen features granite countertops, island, and plenty of room for entertaining. The main level offers a private ensuite, while two additional bedrooms upstairs provide plenty of space for family and guests, along with a small bonus area that could serve as an office, reading nook, or flex space. Enjoy your morning coffee or evening sunsets from the private deck, already prepared for a future hot tub. Outside, you'll also find a fire pit area perfect for relaxing under the stars. Additional features include a one-car garage and sprinkler system. Mountain Harbour offers an incredible lifestyle with golf, clubhouse, fitness center, community pool, gated security, and beautiful mountain surroundings. Conveniently located near Lake Chatuge, downtown Hayesville, Harrah's Cherokee Valley River Casino, shopping, dining, and outdoor recreation. Whether you're looking for a full-time residence, vacation getaway, or mountain investment, this property offers the perfect opportunity to enjoy everything the North Carolina mountains have to offer!

476 Licklog Ridge, Hayesville

Listing courtesy of Century 21 Black Bear Realty.

228 Longview Drive, Hayesville
$400,000
2 Beds ⋅ 3 Baths ⋅ 10843578 MLS
IT'S BETTER AT THE TOP! FULLY FURNISHED MOUNTAIN TOP CABIN!! Escape to the mountains and enjoy peaceful mountaintop living with beautiful mountain and valley views plus seasonal views of beautiful Lake Chatuge from this inviting North Carolina retreat. Featuring 2 bedrooms, 2.5 bathrooms, and an open-concept floor plan, this home offers the perfect combination of mountain character, comfort, and privacy. The spacious great room welcomes you with beautiful oak floors, a soaring cathedral ceiling, and a dramatic stone wood-burning fireplace-the perfect place to gather on cool mountain evenings. A tasteful blend of warm wood accents and drywall creates a comfortable mountain atmosphere without sacrificing a bright, open feel. The kitchen features stainless steel appliances and flows easily into the main living and dining areas, making the home ideal for both everyday living and entertaining. Step outside onto the large deck to relax, breathe in the fresh mountain air, and take in the surrounding mountain and valley scenery. Additional features include solid wood interior doors, a spacious game room, 1-car garage, and plenty of room for family and guests. Whether you're looking for a full-time mountain residence, weekend getaway, or second home, this property offers the privacy, scenery, and relaxed lifestyle people come to the North Carolina mountains to find. Come kick back, relax, and discover why it really is better at the top!

228 Longview Drive, Hayesville

Listing courtesy of Century 21 Black Bear Realty.

48 Green Trail, Other-North Carolina
$219,000
3 Beds ⋅ 2 Baths ⋅ 10841960 MLS
SELLER CONCESSION! Permanent or Temporary RATE BUY DOWN (up to 2%!) or similar CONCESSION towards CLOSING COSTS! (To be negotiated based on terms of acceptable offer). Come home to beautiful Brasstown, North Carolina! This completely remodeled 3-bedroom, 2-bath home sits on a rolling .79 acres in the peaceful mountains of Western North Carolina. Nearly every element has been updated-new windows, plumbing, electric, flooring, walls, and more-making this home truly move-in ready. Brand new mini-splits offer efficient heating and cooling year round! Enjoy the quiet, small-town atmosphere Brasstown is known for while being conveniently located to Murphy and Hayesville. The renowned John C. Campbell Folk School is just minutes away, offering year-round arts, crafts, music, and cultural events that draw visitors from across the country. Whether you're seeking a full-time mountain home, a weekend retreat, or an investment property, this beautifully renovated residence delivers the charm of Western North Carolina without the renovation headaches. Simply unpack and start enjoying the mountain life.

48 Green Trail, Other-North Carolina

Listing courtesy of Mountain Sotheby's International.

60 Oak Forest Circle, Hayesville
$389,000
3 Beds ⋅ 2 Baths ⋅ 10837528 MLS
Beautiful private cabin with breathtaking, multi-layer mountain views from the front porch! Situated on 1.38 unrestricted acres, this 3-bedroom, 2-bath home offers the perfect blend of rustic charm and modern comfort. The open-concept great room features a dramatic wall of windows, a tongue-and-groove cathedral ceiling, and a beautiful combination of wood and drywall finishes. The kitchen boasts stainless steel appliances and granite countertops. The main-level primary suite includes a luxurious soaking tub and glass-and-tile walk-in shower, while the laundry is conveniently located on the main floor. A fenced yard provides a great space for pets, and the property's location is hard to beat-just 2.5 miles from Hayesville, golf, Lake Chatuge public access for boating and kayaking, and a variety of great restaurants. Private setting, stunning mountain views, convenient location, and unrestricted acreage-this cabin is the perfect mountain getaway or full-time home!

60 Oak Forest Circle, Hayesville

Listing courtesy of Coldwell Banker High Country.

1493 Greasy Creek Road, Brasstown
$379,000
2 Beds ⋅ 2 Baths ⋅ 10836273 MLS
Peaceful Country Living in the Brasstown Community! Escape to the tranquility of this charming 2-bedroom, 2-bath home nestled on almost 4 unrestricted acres. Enjoy the privacy of a spacious yard, complete with a picturesque pond that creates the perfect setting for relaxing evenings or enjoying nature. Inside, you'll find warm hardwood floors and a comfortable, inviting layout that's ideal for everyday living or a mountain retreat. With this acreage, you'll have the freedom to garden, keep animals, add a workshop, or simply enjoy the extra space. Whether you're searching for a full-time residence, vacation getaway, or investment opportunity, this property offers endless possibilities in one of the area's most desirable communities. Enjoy activities close by including the John C. Campbell Folk School, rafting, Lake Chatuge and more! Schedule your showing today and discover all this Brasstown gem has to offer!

1493 Greasy Creek Road, Brasstown

Listing courtesy of Century 21 Black Bear Realty.

101 Sawyer Ridge Lane, Hayesville
$225,000
3 Beds ⋅ 2 Baths ⋅ 10833396 MLS
Welcome home to this brand-new 3 bedroom, 2 bath residence nestled on over 1 acre with plenty of privacy. Surrounded by nature and abundant wildlife, this property offers the perfect blend of tranquility and convenience. Step inside to enjoy a thoughtfully designed floor plan with spacious living areas, and comfortable bedrooms. Outside, relax and entertain by the fire pit area that's perfect for gathering with family and friends.

101 Sawyer Ridge Lane, Hayesville

Listing courtesy of Century 21 Black Bear Realty.

3426 Old Hwy 64 W, Warne
$268,900
3 Beds ⋅ 1 Baths ⋅ 10833360 MLS
MOTIVATED SELLER!! BRING ALL OFFERS!! Welcome to this charming one-level ranch home offering stunning mountain and pasture views. This 3-bedroom, 1-bath partially furnished home is the perfect place to relax and unwind-imagine sipping your morning coffee while taking in the peaceful scenery. Level yard that is fenced in the front and back. Inside, you'll find a cozy gas log fireplace that adds warmth and character to the living space. The home's single-level layout provides convenience and comfort, making it ideal for a variety of lifestyles. Located just minutes from downtown Hayesville, Lake Chatuge, and Valley River Casino, you'll enjoy both tranquility and easy access to local attractions, dining, and entertainment. Whether you're looking for a full-time residence, a weekend getaway, or a potential rental investment, this property offers incredible opportunity in a beautiful mountain setting.

3426 Old Hwy 64 W, Warne

Listing courtesy of Century 21 Black Bear Realty.

3514 Old Hwy 64 W, Warne
$350,000
3 Beds ⋅ 2 Baths ⋅ 10831763 MLS
Private Mountain Retreat Just Minutes from Town! Enjoy peaceful country living, beautiful mountain views, and an abundance of natural light in this spacious, move-in-ready home located less than five miles from town. The home features an impressive large den, featuring 13 windows that provide sweeping 180-degree views of the front yard, surrounding mountains, side yard, and backyard. Filled with sunlight, this inviting space is perfect for relaxing, entertaining, or simply enjoying the changing mountain scenery. The home also has an oversized attached two-car garage, a spacious kitchen with plenty of cabinetry and storage, a master suite with an impressive walk-in closet with abundant shelving designed to keep everything organized. Upstairs, an enclosed sitting room which provides a peaceful retreat for reading, relaxing, or enjoying views of the front yard and mountains. Numerous windows throughout the home bring the outdoors in and showcase the property's private country setting. Outdoor features include a spacious front and back porches, a circular driveway and two utility buildings provide additional storage and workspace, including one with a charming covered front porch-perfect for taking a break while enjoying your favorite artwork, woodworking, or hobby. For added convenience, BRMEMC fiber-optic internet is already installed. With generous indoor and outdoor living spaces, mountain views, privacy, and a convenient location close to town, this wonderful property is ready for its next owner to move in and enjoy!

3514 Old Hwy 64 W, Warne

Listing courtesy of Century 21 Black Bear Realty.

231 Dogwood Circle, Hayesville
$228,000
2 Beds ⋅ 1 Baths ⋅ 10830722 MLS
SWEET DEAL IN THE NORTH CAROLINA MOUNTAINS! Discover the perfect mountain getaway in Chatuge Village, conveniently located just outside beautiful Hayesville, NC. Surrounded by towering hardwoods in a peaceful wooded setting, this fully furnished mountain cabin offers the ideal combination of privacy, charm, and easy access to Lake Chatuge. Step inside to a warm and inviting open-concept living area featuring beautiful wood interiors and a cozy stone wood-burning fireplace-perfect for cool mountain evenings. Double sliding glass doors fill the living area with natural light and open to the full-length rear deck, creating a wonderful indoor-outdoor space for entertaining, grilling, or simply relaxing among the trees. The galley-style kitchen is fully equipped and offers everything you need for weekend visits or extended stays. The cabin features two bedrooms and one full bathroom, with one bedroom offering its own sliding glass door leading directly to the rear deck. Additional conveniences include a stackable washer and dryer and a Mitsubishi heating and air-conditioning system. Outdoor living is a highlight with a covered, screened front porch for enjoying quiet mornings and a spacious open rear deck overlooking the peaceful wooded surroundings and seasonal views. Located within the desirable Chatuge Village lake-access community, you'll enjoy paved access and a shared swimming area on beautiful Lake Chatuge. Spend your days kayaking, paddle boarding, hiking, biking, exploring the mountains, or simply enjoying lake life. Best of all, you're just minutes from downtown Hayesville, shopping, dining, and Lake Chatuge while still enjoying the privacy and tranquility of a true mountain retreat. Whether you're looking for a weekend getaway, summer retreat, or your own place in the North Carolina mountains, this charming cabin is fully furnished and ready to enjoy!

231 Dogwood Circle, Hayesville

Listing courtesy of Century 21 Black Bear Realty.

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