Clay County Homes under $400,000

Clay County Homes under $400,000

Welcome to Clay County, North Carolina, a hidden gem nestled in the heart of the Appalachian Mountains! Known for its breathtaking landscapes and warm, welcoming community, Clay County offers a unique blend of natural beauty and small-town charm. With its lush forests, winding rivers, and stunning mountain views, this region is perfect for outdoor enthusiasts, families, and anyone seeking a tranquil lifestyle away from the hustle and bustle of city life.

One of the most appealing aspects of Clay County is its affordability. Here, you can find a variety of homes priced under $400,000, making it an ideal destination for first-time homebuyers or those looking to downsize without sacrificing quality of life. Whether you’re searching for a cozy cabin tucked away in the woods, a charming cottage with a view, or a modern family home in a friendly neighborhood, Clay County has something for everyone.

In addition to its affordable housing options, Clay County boasts a rich tapestry of local culture and community events. From farmers' markets to annual festivals, there’s always something happening that brings residents together. The area is also home to excellent schools, parks, and recreational facilities, ensuring that families can thrive in a supportive environment.

Imagine waking up to the sound of nature, sipping coffee on your porch while enjoying the serene surroundings, and knowing that your dream home is within reach. Discover the beauty and affordability of Clay County, NC, where your ideal lifestyle awaits!

Newest Clay County Homes under $400,000

1124 Mcdonald Rd, Hayesville
$349,000
3 Beds ⋅ 3 Baths ⋅ 26048699 MLS
Newly remodeled in 2026 this 3 BR/2.5 bath home with a full basement located in the quaint small town of Hayesville, NC located less than 1 mile from Lake Chatuge (as a crow would fly). 1 car garage in basement, pull thru drive New cabinets, granite countertops, laminate floor, 6 panel doors through out the interior, 2 full baths on main level, 1/2 bath in basement. Basement could be finished to double the square footage, all new appliances and HVAC System, wrap around porch on 2 sides with 46 ft of the deck covered on the front, New metal roof. Property can be accessed from McDonald Rd. or McDonald Overlook Dr.

1124 Mcdonald Rd, Hayesville
578 Shady Grove Ln, Hayesville
$125,000
2 Beds ⋅ 1 Baths ⋅ 26047702 MLS
Investment Opportunity!! Just 5 minutes from the shores of Lake Chatuge and 5 miles from the Jack Rabbit Hiking Trails, this 2BR/1BA mobile home on .40 acres puts you right in the heart of Western NC mountain living. The property has good bones and plenty of space to work with, including a large covered front porch, a screened back porch, and a bonus outbuilding with additional living space and a second bathroom. Bring your vision and your contractor. Sold as-is, cash buyers.

578 Shady Grove Ln, Hayesville
2977 Hwy 64 W, Hayesville
$325,000
3 Beds ⋅ 2 Baths ⋅ 26047271 MLS
Offering exceptional potential for both residential and commercial use, this beautifully maintained brick ranch is ready to accommodate a variety of needs. The property features three bedrooms, two full bathrooms, dedicated office space, and an abundance of natural light—making it equally well suited as a comfortable full-time residence, professional office, boutique business, or investment property. The spacious kitchen offers granite countertops and ample room for everyday living, entertaining, staff use, or client-facing functions. A wood-burning brick fireplace adds warmth and character, while short-range mountain views provide a peaceful backdrop. Recent HVAC and roofing updates offer additional peace of mind. With paved, easy access, an attached one-car carport, additional storage, and a detached storage shed, the property provides convenience and flexibility for homeowners and business users alike. Whether you envision living here, operating your business here, or combining the two, this move-in-ready property delivers classic charm, modern convenience, and versatile residential or commercial possibilities.

2977 Hwy 64 W, Hayesville
23 Riverwalk Cir, Hayesville
$329,000
2 Beds ⋅ 2 Baths ⋅ 26046706 MLS
Low-maintenance living just minutes from downtown Hayesville. This well-kept 2BR/2BA ranch-style home offers easy, single-level living in a walkable neighborhood setting. The layout is simple and functional with 9' ceilings, a comfortable living area with built-in shelving, and a fireplace. The kitchen features solid wood cabinets, a breakfast bar, and connects directly to the dining space. The primary suite has direct access to the back patio, and the home also includes a built-in whole-home vacuum system for added everyday convenience. An oversized attached double garage provides plenty of room for parking and storage. The yard is nicely landscaped, and the POA takes care of lawn maintenance, fertilizing, shrubbery, trash service, road upkeep, and even future exterior items—making this an ideal lock-and-leave, retirement friendly or low-upkeep option. Convenient to downtown Hayesville with easy access to shopping, dining, and everyday essentials. Well-suited for those looking to downsize, simplify, or enjoy a home that's easy to maintain and easy to live in.

23 Riverwalk Cir, Hayesville
88 Bruce Wike Ln, Other
$135,424
3 Beds ⋅ 2 Baths ⋅ 26043182 MLS
Private Mountain Home!! Close to all the amenities offered in the beautiful Western NC mountains. Lakes, fishing, hiking and Harrahs Cherokee Casino in Murphy, NC. This property will be sold at auction and can be found at the following link: https://www.hubzu.com/property/94514418834-88-BRUCE-WIKE-LANE--Brasstown-NC-28902

88 Bruce Wike Ln, Other
190 Fort Hembree, Hayesville
$340,000
2 Beds ⋅ 2 Baths ⋅ 26042176 MLS
Welcome to this beautifully maintained cottage build in 2023. Enjoy one - level living.The bright and open floor plan features granite countertops, stainless steel appliances, custom shades and a garage for parking and storage.Relax on the front porch while taking in peaceful mountain surroundings and sunset views. The landscaped property offers privacy and convenience, just minutes from local dining, breweries, shopping ,outdoor recreation and beautiful Lake Chatuge for boating or hiking on many trails. You will love living in Hayesville. Ideal for full-time living a weekend retreat, or a vacation rental. Schedule your private showing today! Hayesville is conveniently located to Asheville, Blairsville Georgia ,and parts of Tennessee. Enjoy the mountain Priced to sell!!!

190 Fort Hembree, Hayesville
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