Clay County Homes under $400,000

Clay County Homes under $400,000

Welcome to Clay County, North Carolina – a hidden gem nestled in the majestic Appalachian Mountains. This picturesque region is renowned for its stunning natural beauty, vibrant community spirit, and a wealth of outdoor activities that cater to all lifestyles. Whether you're an avid hiker, a fishing enthusiast, or simply someone who appreciates the tranquility of nature, Clay County offers a serene backdrop for your next chapter.

One of the most appealing aspects of Clay County is its diverse range of homes, particularly those priced under $400,000. This makes it an ideal destination for first-time homebuyers, families, and retirees alike. Here, you can find charming cabins, cozy bungalows, and modern homes that blend seamlessly with the breathtaking landscapes. Many properties boast stunning mountain views, lush gardens, and easy access to local amenities, ensuring that you can enjoy both comfort and convenience.

In addition to the beautiful homes, Clay County is rich in culture and community. The area hosts various local events, farmers' markets, and festivals that celebrate the region’s heritage and foster connections among residents. With a strong sense of community and a slower pace of life, you’ll find that Clay County is not just a place to live, but a place to thrive.

If you’re looking for an affordable home in a stunning location, Clay County is the perfect choice. Come explore the possibilities and discover why so many are choosing to call this enchanting corner of North Carolina their home!

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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