Spencer Homes under $1 million

**Discover Spencer, Tennessee: Your Ideal Home Awaits!**

Nestled in the heart of Van Buren County, Spencer, Tennessee, is a hidden gem that beautifully combines small-town charm with stunning natural landscapes. Known for its welcoming community and rich history, Spencer offers a tranquil lifestyle that many dream of. With breathtaking views of the Cumberland Plateau and the serene waters of the nearby Center Hill Lake, outdoor enthusiasts will find a plethora of activities, from hiking and fishing to boating and camping.

Spencer is not just a picturesque town; it's also a place where families and individuals can thrive. The community is tight-knit, with local events that foster a sense of belonging and camaraderie among residents. The town is conveniently located near larger cities like McMinnville and Cookeville, providing easy access to shopping, dining, and entertainment while maintaining that peaceful rural atmosphere.

For those seeking a new home, Spencer boasts an impressive selection of properties under $1 million. Whether you’re looking for a cozy cottage, a spacious family home, or a charming farmhouse, the real estate market in Spencer offers diverse options to suit various lifestyles and budgets. With many homes featuring modern amenities and beautiful outdoor spaces, you can enjoy the best of both worlds—comfort and nature.

In Spencer, your dream home is within reach. Explore the possibilities and make this enchanting town your new sanctuary. Welcome to Spencer, where your ideal lifestyle begins!

Newest Spencer Homes under $1 million

$995,000

4 Beds ⋅ 4 Baths ⋅ 3633252 MLS ⋅ ACTIVE Status ⋅ 6.93 Acres ⋅ 38585 Zip Code

Lakefront equestrian estate with a 3900 sq ft Craftsman home on 6.93 acres. 4 bedrooms and 4 baths are spread across the casually elegant interior that features open-flow dining and living areas accented with large windows, gleaming hardwood floors, custom cabinetry, and a beautiful stone fireplace. The screened porch with fireplace is the optimal place to take in the views of the private 18-acre lake. The terrace level is for recreation and houses a bar, a large family and game room, additional guest space, and tons of storage. Outside, the fenced acreage has lake frontage, a complete horse barn, and a pavilion space. This property is the essence of the Tennessee experience with water, pastoral, mountain, and wooded vistas that create lasting memories throughout the changing seasons. Additional Acreage Available https://orders.tennphotoco.com/sites/emgqqdxw/unbranded

1201 Bridle Trl, Spencer

$164,900

3 Beds ⋅ 2 Baths ⋅ 3620747 MLS ⋅ ACTIVE Status ⋅ 0.35 Acres ⋅ 38585 Zip Code

FREE APPRAISAL! PLUS YOUR CHOICE WITH PREFERRED LENDER: AN INTEREST RATE AS LOW AS 5.5% OR ALL CLOSING COSTS PAID ON THIS BRAND NEW 3 BEDROOM, 2 BATH MANUFACTURED HOME ON PERMANENT FOUNDATION WITH BONUS FLEX SPACE! This affordable home has everything you need for comfort and easy maintenance. Situated in the heart of Spencer on a .35 acre lot with city sewer, public water and fiber optic internet available. . This 1140 sq. ft. home features a large open concept kitchen and living area, new appliances, new HVAC, front and back porches, large en-suite primary bedroom and bath, 2 generous guest rooms and one flex space perfect for an office or play room. Check out the great split bedroom floorplan, kitchen island and handy laundry room. Easy access to Hwy 111 makes this home super convenient to Sparta, Cookeville, McMinnville and Chattanooga while maintaining the small town charm of the friendly city of Spencer. Call today today to see if you qualify; home ownership may be more than just a dream! This home qualifies for VA, FHA, and USDA zero down payment loans and conveys with manufacturer one year warranty! Buyers should verify all information in order to make an informed offer.

852 Old Dunlap St, Spencer

$750,000

1 Beds ⋅ 1 Baths ⋅ 3595896 MLS ⋅ ACTIVE Status ⋅ 10 Acres ⋅ 38585 Zip Code

Absolutely breathtaking acres, located atop the Cumberland Plateau in scenic Spencer, Tennessee. Just an hour away from Chattanooga and 1.5 hours from Nashville, this private piece of paradise offers dramatic brow lot views that must be experienced to truly comprehend its beauty. This property offers several incredible building sites to choose from, giving you the option to split it into two 5-acre tracts or even build guest homes for extended family. Access the property through a private gate at the end of a cul-de-sac, and enjoy the level gravel driveway leading up to a massive 32x40 ft metal double garage with a brand new 500 sq ft apartment featuring high-end finishes. The apartment is a perfect spot to live while building your dream home. It boasts gleaming tile, a dining area, decorative lighting, a spacious handicap accessible full bath, top-of-the-line washer/dryer, water filtration system, and a beautiful room with plenty of natural lighting. The full kitchen exceeds expectations with a long countertop, stainless farmhouse sink with commercial-grade fixtures, soft close cabinets with under cabinet lighting, and high-end black stainless appliances including a touch screen refrigerator, microwave, dishwasher, and convection oven. All utilities are in place and fiber optic internet is available to maintain your work and lifestyle seamlessly. There are also two separate septic systems installed for the apartment and a future home/cabin on one of the scenic peninsulas. Outdoor features include gated entry, gravel roads, water spigots around the property, and numerous walking trails for exploring the property's rock overhangs, formations, waterfall, or following a path down to the Rocky River. The owner of this property currently holds an active real estate license. Owner will consider owner financing with 30% down, amortized over 30 years with a 7 year balloon payment, interest rate is negotiable.

110 Falls Ln, Spencer

$575,000

3592191 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 38585 Zip Code

Nestled amidst the vibrant green expanses of a serene horse pasture, these two charming cabins promise an idyllic escape in the heart of nature. Each cabin, thoughtfully designed with a rustic aesthetic, offers two cozy bedrooms and two well-appointed bathrooms, making them ideal retreats for both family vacations and intimate getaways. The spacious covered porches provide a perfect vantage point for breathtaking views of the surrounding lush landscapes, where the gentle rustle of leaves and distant neighs of horses create a tranquil soundtrack to your stay. Fully furnished with comfort and convenience in mind, each cabin features a blend of modern amenities and homely touches. From the plush seating in the living areas to the fully equipped kitchens, every space invites guests to relax and unwind. Whether you're sipping morning coffee as the sunrise paints the sky or enjoying a sunset dinner outdoors, these cabins offer a unique blend of rustic charm and contemporary comfort. Perfectly positioned for those who wish to explore or simply soak in the panoramic beauty of the Cumberland Plateau, these AirBnB-listed properties are not just accommodations; they are destinations in themselves. Ideal for nature lovers, adventure seekers, horse riders, or those looking for a peaceful retreat from the hustle and bustle of daily life, these cabins offer an unforgettable experience surrounded by beauty. Schedule your showings today! Buyer to verify all information before making an informed offer.

101102 Meadow View Ln, Spencer

$608,000

3 Beds ⋅ 2 Baths ⋅ 3546639 MLS ⋅ ACTIVE Status ⋅ 1.81 Acres ⋅ 38585 Zip Code

Welcome to 837 Holly Ln. Tucked away in the beautiful Mountains of TN, sits your new log home on almost 2 acres, surrounded by the sweet sounds of nature and backed up to a peaceful lake. This property is what dreams are made of. Pulling up to this well built and meticulously maintained log home, you're greeted by beautiful stone work accenting the large front porch. Walking into the gorgeous front door you will immediately notice the perfect use of reclaimed beams and barn wood. Each piece carefully hand picked and placed to please the eye. From the live edge Counter tops, custom cabinetry, and stone fire place, to the large well placed windows. Everything about this house says welcome home. If the amazing interior isn't enough for you, walk out onto the massive screened in back porch and witness the breath taking lake view. Take a short stroll down to the private dock. Conveniently located less than 1.5 hrs to Nashville,Knoxville, and Chattanooga. This home sits in the thriving equestrian development of Long Branch Lakes, with tons of amenities such as a community pool, general store, restaurant, horse stables, riding arena, two large lakes, basketball and tennis courts, and trails for walking or riding. Only minutes from Fall Creek Falls national park. This is the get away that you'll never want to get away from.

837 Holly Ln, Spencer

5727 Cane Creek Cummingsville Rd, Spencer

$185,000

3 Beds ⋅ 3 Baths ⋅ 3545099 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 1 Acres ⋅ 38585 Zip Code

Mountain views are ready to welcome you home at 5727 Cane Creek Cummingsville Rd, and inside you'll find 1,568 square feet of comfortable living with 3 bedrooms and 3 baths. Open living, dining and kitchen areas make everyday life easy and entertaining a breeze. Need a home office or a quiet den? The flex space has you covered. The kitchen has been updated with cabinets and tiled backsplash, ready for you to make it your own, and new flooring flows throughout the home. The primary suite offers a true retreat with a large bath and closet. Step outside to a large covered front porch made for morning coffee, plus an outbuilding and above ground pool for summer days spent right at home. Cane Creek runs right behind the property, offering great fishing and kayaking just steps from your back door, and you're just 1.5 miles from Fall Creek Falls State Park. With mountain views, creek access, and a state park just down the road, this is Tennessee living at its best.

5727 Cane Creek Cummingsville Rd, Spencer

$299,000

3 Beds ⋅ 2 Baths ⋅ 3542849 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 2.7 Acres ⋅ 38585 Zip Code

Welcome to this charming 3-bedroom, 1.5-bath brick home situated on 2.7 peaceful acres within the city limits, offering the convenience of town with the privacy of a quiet country setting. This well-maintained home features numerous updates, including a new metal roof, a new front door, a new dishwasher, and beautiful new hickory flooring throughout the main living areas. The spacious kitchen offers real wood cabinetry and a large pantry, providing plenty of storage. Relax on the front porch while overlooking a beautiful pond that's home to geese and ducks. The property is filled with mature fruit and nut trees, along with beautiful perennial plants that provide color and charm throughout the seasons. A 24x40 shed offers abundant space for storage, hobbies, or a workshop. Conveniently located right in town, you're within minutes of the grocery store, school, and everyday amenities. Enjoy being just a short drive from several state parks, including Fall Creek Falls and Rock Island. With easy access to Nashville, Chattanooga, and Knoxville, this property combines the charm of small-town living with a central location ideal for commuting or weekend getaways.

294 Little Falls St, Spencer

$639,000

3 Beds ⋅ 3 Baths ⋅ 3514544 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 2.64 Acres ⋅ 38585 Zip Code

335 High Meadow Dr, Spencer

$214,999

2 Beds ⋅ 2 Baths ⋅ 3514222 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.77 Acres ⋅ 38585 Zip Code

Tucked away on 0.77 wooded acres, 582 Spencer Dr offers a peaceful setting and plenty of room to enjoy the outdoors. This 1,512 sq. ft. home features a unique and flexible layout with one bedroom and one full bath on the main level, plus an additional bedroom, full bath, and bonus living space downstairs. The main level offers a spacious living room, dining area, and large kitchen with abundant cabinetry, while the finished lower level provides plenty of possibilities for guests, a home office, recreation space, or additional living area. Outside, enjoy a covered front porch, level yard space surrounded by mature trees, a detached outbuilding for additional storage, and your own wooded creekside setting. With a metal roof, generous living space, and a property that offers both usable yard and natural beauty, this Spencer home has plenty of character and potential.

582 Spencer Dr, Spencer

$485,000

3 Beds ⋅ 4 Baths ⋅ 3513701 MLS ⋅ ACTIVE Status ⋅ 1.71 Acres ⋅ 38585 Zip Code

Tucked away on a private 1.7 acre lot in Long Branch Lakes, 132 Doe Court offers something increasingly hard to find—space, privacy, and a home designed around enjoying where you live. This magnificent three-bedroom home gives every bedroom its own private bath, making it equally comfortable for everyday living or hosting family and friends. Multiple living spaces provide room to spread out, while the kitchen is tailor made for the chef in you. Beautiful hardwood floors add warmth and character to the main level, complementing the home's comfortable and inviting design. Step outside and the home becomes even more appealing. Start the day on the front porch, unwind in one of the two screened areas, or move the gathering onto the brand new open deck. The beautifully landscaped lot offers privacy, while the fenced backyard provides a wonderful space for pets, children, gardening, or simply relaxing outdoors. And did I mention the garage??!! It's massive, and finished in Pine, with a vaulted ceiling. Plenty of room for your vehicles with space left over for a workshop. Beyond the property, you're just a short drive from the breathtaking beauty of Fall Creek Falls State Park, where hiking, waterfalls, fishing, and other outdoor adventures await. And you're not simply buying a house—you're gaining access to Long Branch Lakes, a 3,000+ acre private community featuring two stocked lakes, miles of trails, equestrian facilities, docks, playgrounds, and covered outdoor gathering areas, all within a gated community offering peace and security. Whether you're looking for a full-time home, a private retreat, or simply a place where you can slow down and enjoy the outdoors, this one deserves your attention. Come see why 132 Doe Court isn't just a place to live—it's a place to enjoy. Make an appointment to see this beautiful property today! Buyer to verify all information and measurements to make an informed offer.

132 Doe Ct, Spencer

$110,000

3 Beds ⋅ 2 Baths ⋅ 3287857 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 4.16 Acres ⋅ 38585 Zip Code

Move in ready! Seller’s are eager to move close to their new grandbaby! This beautiful wooded property offers 4.16 acres that go beyond the creek at the back of the property. All but one small portion of the of the interior of the home has been freshly painted. In 2026 the LVP floors were completed. New Stainless Steel Kitchen Appliances purchased in October of 2025 including dishwasher, stove, refrigerator, and microwave. The dishwasher is not hooked up. Also conveying with the home is a TV, washer & dryer, 16x10 outdoor storage building, outdoor swing, and outdoor patio furniture. The five year old HVAC unit was serviced and cleaned in 2026. Hot water heater installed in November 2025. Both bathrooms have a new toilet with the full bath offering a new sink. The half bath tub was removed when the new floor was installed and was never replaced. The buyer can easily replace it with a new tub for a full bath. The faucet is still in place. The front door installed in October of 2025, back door of the home installed June of 2026. In July 2026 new steps on the back deck were installed and a few boards were replaced on the back deck. The third bedroom currently being used as a sewing room has a crack in the outside pane of the double pane window. Home is being sold as is. All inspections are welcome. Only 5.9 miles to Fall Creek Falls State Park, Approximately 13 miles to Walmart in Sparta, 31 miles to Cookville & 23 miles to McMinnville.

742 Captain Carter Rd, Spencer

$239,900

3 Beds ⋅ 2 Baths ⋅ 3282405 MLS ⋅ ACTIVE Status ⋅ 0.95 Acres ⋅ 38585 Zip Code

Unlock the potential of this charming home and make it your own! Featuring 3 bedrooms and 1.5 baths, this inviting property offers a spacious living room and a generous dining area, perfect for everyday living and entertaining. With approximately 1,660 square feet of main-level living space (per tax records) and an additional 1,564 square feet of unfinished basement, there’s plenty of room to grow and customize. Inside, you’ll be welcomed by warm wood-finished walls and ceilings that create a cozy, cabin-inspired ambiance full of character. The dry, unfinished basement provides excellent storage! The home’s full brick exterior and paved circular driveway offer timeless curb appeal, while the enclosed former garage—currently set up as a beauty shop—adds incredible versatility. Whether you envision a home business, creative studio, office, or additional living area, this flexible space adapts to your lifestyle. With a little updating, this property can truly shine—offering the perfect blend of charm, space, and opportunity in a desirable setting.

266 Sparta St, Spencer

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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.

Spencer Homes under $1 million

Newest Spencer Homes under $1 million

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