River Ranch Homes under $400,000

Welcome to River Ranch, a hidden gem nestled in the heart of Cookeville, Tennessee, within the scenic Putnam County. This charming subdivision offers a perfect blend of tranquility and modern living, making it an ideal choice for families, retirees, and everyone in between. With its picturesque landscapes and friendly community atmosphere, River Ranch is where you'll find your dream home without breaking the bank.

One of the standout features of River Ranch is its diverse selection of homes, all priced under $400,000. Whether you’re seeking a cozy starter home or a spacious residence for your growing family, this subdivision has something for everyone. Each home is designed with comfort and style in mind, featuring open floor plans, contemporary finishes, and beautiful outdoor spaces that invite you to enjoy the stunning natural surroundings.

Residents of River Ranch enjoy access to a wealth of amenities, including nearby parks, walking trails, and recreational facilities that promote an active lifestyle. The community is also conveniently located close to local shopping, dining, and entertainment options, ensuring that everything you need is just a stone's throw away.

Living in River Ranch means embracing a lifestyle filled with warmth, community spirit, and the beauty of nature. With affordable homes under $400,000 and a welcoming atmosphere, it’s no wonder that River Ranch is quickly becoming one of Cookeville's most sought-after neighborhoods. Come explore this vibrant community and discover the perfect place to call home!

Newest River Ranch Homes under $400,000

$399,000

4 Beds ⋅ 3 Baths ⋅ 3528050 MLS ⋅ ACTIVE Status ⋅ 0.61 Acres ⋅ 38501 Zip Code

Welcome to the Longhorn, the largest floor plan currently available in River Ranch situated on a level estate lot. Offering 1,860 square feet of thoughtfully designed one-level living, this ranch-style home provides the perfect balance of open entertaining space & private retreats w/ a covered back deck. The spacious kitchen serves as the heart of the home w/ a large island, solid surface countertops, soft-close cabinetry, ss appliances, pantry storage, & seamless flow into the living and dining areas. A split-bedroom layout creates a private primary suite complete w/ a walk-in closet & tiled walk-in shower. The other 3 bedrooms are on the left wing of the home as well as the other full bath w/ dbl vanities. Additional features include 9-foot ceilings, LVP flooring throughout the main living spaces, carpeted bedrooms, a covered front porch, an attached two-car garage, a Hardie + vinyl exterior, professional landscaping, & a tree planted on every homesite. River Ranch offers a 5yr home warranty, sidewalks, a walking trail, & 4.99% financing for affordable payments on a new home- all just minutes from town, Center Hill Lake, and I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2540 River Ranch Dr, Cookeville

$399,000

4 Beds ⋅ 3 Baths ⋅ 3528045 MLS ⋅ ACTIVE Status ⋅ 0.6 Acres ⋅ 38501 Zip Code

Welcome to the Longhorn, the largest floor plan currently available in River Ranch situated on a level estate lot. Offering 1,860 square feet of thoughtfully designed one-level living, this ranch-style home provides the perfect balance of open entertaining space & private retreats w/ a covered back deck. The spacious kitchen serves as the heart of the home w/ a large island, solid surface countertops, soft-close cabinetry, ss appliances, pantry storage, & seamless flow into the living and dining areas. A split-bedroom layout creates a private primary suite complete w/ a walk-in closet & tiled walk-in shower. The other 3 bedrooms are on the left wing of the home as well as the other full bath w/ dbl vanities. Additional features include 9-foot ceilings, LVP flooring throughout the main living spaces, carpeted bedrooms, covered front porch, attached two-car garage, Hardie + vinyl exterior, professional landscaping, & a tree planted on every homesite. River Ranch offers a 5yr home warranty, sidewalks, a walking trail, & 4.99% financing for affordable payments on a new home- all just minutes from town, Center Hill Lake, and I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2539 River Ranch Dr, Cookeville

$365,000

3 Beds ⋅ 2 Baths ⋅ 3528034 MLS ⋅ ACTIVE Status ⋅ 0.64 Acres ⋅ 38501 Zip Code

Discover the opportunity to own in River Ranch, Cookeville’s newest community designed w/ spacious homesites, quality construction, & everyday convenience in mind. This thoughtfully designed Lariat floor plan on a level estate lot featuring one-level living w/ an open-concept layout, large kitchen island, solid surface countertops, soft-close cabinetry, ss appliances, pantry storage, & a split-bedroom design that maximizes both comfort & privacy. The spacious mudroom offers flexibility for a home office, workspace, or additional storage, while the private primary suite includes a walk-in closet & tiled walk-in shower. Additional features include 9-foot ceilings, LVP flooring throughout the main living areas, carpeted bedrooms, covered front porch, attached two-car garage, & attractive Hardie + vinyl exterior w/ fresh landscaping. River Ranch offers a 5yr home warranty, sidewalks, a walking trail, & offering 4.99% finacing for afforable payments on a new home- all just minutes from town, Center Hill Lake, and I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2530 River Ranch Dr, Cookeville

$360,000

3 Beds ⋅ 2 Baths ⋅ 3309303 MLS ⋅ ACTIVE Status ⋅ 0.5 Acres ⋅ 38501 Zip Code

Discover the opportunity to own in River Ranch, Cookeville’s newest community designed w/ spacious homesites, quality construction, & everyday convenience in mind. This thoughtfully designed Lariat floor plan on an estate lot featuring one-level living w/ an open-concept layout, large kitchen island, solid surface countertops, soft-close cabinetry, ss appliances, pantry storage, & a split-bedroom design that maximizes both comfort & privacy. The spacious mudroom offers flexibility for a home office, workspace, or additional storage, while the private primary suite includes a walk-in closet & tiled walk-in shower. Additional features include 9-foot ceilings, LVP flooring throughout the main living areas, carpeted bedrooms, covered front porch, attached two-car garage, & attractive Hardie + vinyl exterior w/ fresh landscaping. River Ranch offers sidewalks, a walking trail, & offering 4.99% finacing for afforable payments on a new home- all just minutes from town, Center Hill Lake, and I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2509 River Ranch Dr, Cookeville

$360,000

3 Beds ⋅ 2 Baths ⋅ 3309085 MLS ⋅ ACTIVE Status ⋅ 1.11 Acres ⋅ 38501 Zip Code

Welcome to River Ranch, Cookeville’s newest thoughtfully designed community where spacious homesites & modern living come together. Situated on an estate lot of 1.11 acres, this Lariat model home showcases quality craftsmanship & a functional one-level ranch design. The open-concept layout is centered around a spacious kitchen w/ a large island, solid surface countertops, soft-close cabinetry, ss appliances, pantry storage, & plenty of room to gather. The split-bedroom floor plan offers privacy for the primary suite, complete w/ a walk-in closet & tiled walk-in shower. A standout feature of the Hawthorn is the oversized mudroom, offering flexible space for a home office, hobby area, or organized everyday living. Additional highlights include 9-foot ceilings, LVP flooring throughout the main living areas, a covered front porch w/ cedar columns, two-car garage, professional landscaping, & a tree thoughtfully planted on every homesite. River Ranch offers sidewalks, a walking trail, & 4.99% financing for affordable payments on a new home- all just minutes from town, Center Hill Lake, & I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2510 River Ranch Dr, Cookeville

$385,000

4 Beds ⋅ 3 Baths ⋅ 3309057 MLS ⋅ ACTIVE Status ⋅ 1.22 Acres ⋅ 38501 Zip Code

Welcome to River Ranch, where peaceful surroundings meet modern convenience. Situated on one of the community’s largest homesites, an estate lot of 1.22 acres, the Maverick offers the perfect blend of space, functionality, & style. Designed with a shotgun-style layout, this home features four bedrooms, two-and-a-half baths, & an open-concept living area anchored by the kitchen with a large island, solid surface countertops, soft-close cabinetry, & ss appliances. A feature of the Aspen is the separate space off the kitchen + .5 bath, offering flexible space for a home office, pet area, or kids space. The split-bedroom design provides privacy for the primary suite, complete w/ an open walk-in closet & beautifully tiled shower w/ double vanities. Throughout the home you’ll find 9-foot ceilings, durable LVP flooring in the main living spaces, carpeted bedrooms, a covered front porch, two-car garage, & attractive Hardie + vinyl exterior finishes w/ landscaping. River Ranch offers sidewalks, a walking trail, & 4.99% financing for affordable payments on a new home- all just minutes from town, Center Hill Lake, & I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2500 River Ranch Dr, Cookeville

$390,000

4 Beds ⋅ 3 Baths ⋅ 3308993 MLS ⋅ ACTIVE Status ⋅ 0.5 Acres ⋅ 38501 Zip Code

Welcome to the Longhorn, the largest floor plan currently available in River Ranch situated on an estate lot. Offering 1,860 square feet of thoughtfully designed one-level living, this ranch-style home provides the perfect balance of open entertaining space & private retreats w/ a covered back deck. The spacious kitchen serves as the heart of the home w/ a large island, solid surface countertops, soft-close cabinetry, ss appliances, pantry storage, & seamless flow into the living and dining areas. A split-bedroom layout creates a private primary suite complete w/ a walk-in closet & tiled walk-in shower. The other 3 bedrooms are on the left wing of the home as well as the other full bath w/ dbl vanities. Additional features include 9-foot ceilings, LVP flooring throughout the main living spaces, carpeted bedrooms, covered front porch, attached two-car garage, Hardie + vinyl exterior, professional landscaping, & a tree planted on every homesite. River Ranch offers sidewalks, a walking trail, & 4.99% financing for affordable payments on a new home- all just minutes from town, Center Hill Lake, and I-40. Experience the space, craftsmanship, & community that make River Ranch one of Cookeville’s most exciting new neighborhoods.

2499 River Ranch Dr, Cookeville

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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.

River Ranch Homes under $400,000

Newest River Ranch Homes under $400,000

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