37184 Homes under $400,000

Welcome to the charming zip code 37184, nestled in the heart of Wilson County, Tennessee, and home to the quaint city of Watertown. This picturesque area offers a delightful blend of small-town charm and modern conveniences, making it an ideal place for families, retirees, and anyone looking for a peaceful community to call home.

Watertown boasts a rich history and a warm, welcoming atmosphere. With its friendly residents and vibrant local culture, you’ll find plenty of opportunities to connect with your neighbors and enjoy community events throughout the year. The city is surrounded by beautiful natural landscapes, providing ample opportunities for outdoor recreation, whether you prefer hiking, fishing, or simply enjoying a leisurely stroll in one of the local parks.

One of the most appealing aspects of the 37184 area is the availability of homes under $400,000. This affordability allows a diverse range of buyers to find their dream home without stretching their budget. Whether you're in search of a cozy cottage, a spacious family home, or a charming fixer-upper, Watertown has an array of options to suit your needs. The real estate market here is thriving, with properties that often feature modern amenities, large yards, and easy access to local schools and shops.

With its unique blend of affordability, community spirit, and natural beauty, the 37184 zip code is truly a hidden gem in Tennessee. Come explore Watertown, where your dream home awaits!

Newest 37184 Homes under $400,000

$349,900

2 Beds ⋅ 1 Baths ⋅ 3621214 MLS ⋅ ACTIVE Status ⋅ 3.04 Acres ⋅ 37184 Zip Code

Come home to the charm of country living at 20 Phillips Ln in Watertown! This cozy 2-bedroom, 1-bath home offers 984 sq ft of comfortable living space and sits on approximately 3.04 acres, giving you plenty of room to enjoy the outdoors. A detached garage and covered carport area provide extra space for parking, storage, hobbies, or projects. Whether you’re looking for your first home, hoping to downsize, or simply dreaming of a quieter place with a little land, this sweet property has so much to offer. Peaceful, inviting, and full of potential—come see what makes this one feel like home!

20 Phillips Ln, Watertown

$199,900

2 Beds ⋅ 1 Baths ⋅ 3613301 MLS ⋅ ACTIVE Status ⋅ 1.84 Acres ⋅ 37184 Zip Code

Unlock major potential with this exceptional investment opportunity! Situated on its own parcel, this property features a 1,100+ sq. ft. 2-bedroom, 1-bathroom home ready for a total gut remodel, making it a dream blank canvas for experienced investors, flippers, or savvy buyers looking to build immediate equity. Also can combine this with other parcel. Other MLS # is 3613299

7291 Greenvale Rd, Watertown

$219,900

3 Beds ⋅ 2 Baths ⋅ 3598171 MLS ⋅ ACTIVE Status ⋅ 8.34 Acres ⋅ 37184 Zip Code

Check out this beautiful 8.3 acres, with an existing septic! old farmhouse currently on the property, that would require extensive rehab, or take advantage of the existing septic and utilities to build your dream home! additional barns on property for farm use if desired.

1570 Holmes Gap Rd, Watertown

$334,999

4 Beds ⋅ 2 Baths ⋅ 3598059 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.34 Acres ⋅ 37184 Zip Code

Four bedrooms, a detached garage, on a quiet dead-end street, backing up to a farm - all just blocks from Watertown Square! This charming brick ranch features beautiful hardwood floors, a brick gas fireplace, freshly painted walls, and new light fixtures throughout. The updated kitchen features a new sink, countertops, backsplash, and floating shelves, with all appliances remaining. The updated guest bath features a new vanity and walk-in shower. Additional updates include a 2023 HVAC system with an AprilAire humidity unit, along with a washer and dryer that remain with the home. Outside, enjoy a spacious deck overlooking the fenced backyard, backing up to a treeline and farm for added privacy. Open acreage alongside the home adds to the outdoor space. The detached garage includes a carport and workshop, offering plenty of additional space for storage or projects. With its thoughtful updates and all appliances remaining, this home offers the convenience of being close to town while still providing a private and comfortable place to call home. **Preferred lender incentive: 1% of the loan amount offered to Buyers!**

368 Richland Ave, Watertown

$149,900

3 Beds ⋅ 1 Baths ⋅ 3527153 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 2 Acres ⋅ 37184 Zip Code

INVESTMENT OPPORTUNITY!! TLC and restoration needed. Sitting on 2 +/- acres in Wilson Co.,this home was previously rented and needs repairs/updates. The home offers 3 bedrooms and 1 bathroom, eat in kitchen and separate dining room. New HVAC (2024) and newer roof. Well water. Detached building may be able to be restored. Lot's of potential! Selling AS IS. Inspections welcome. Cash/Conventional. Will not go FHA/VA as it is.

112 Borum Rd, Watertown

$325,000

3 Beds ⋅ 2 Baths ⋅ 3526040 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.92 Acres ⋅ 37184 Zip Code

FREE REDUCED INTEREST RATE OFFERED. Discover this beautifully renovated site-built 3-bedroom, 2-bath home with a full crawlspace in Watertown, TN. With no HOA and no city taxes, this property offers a low-maintenance lifestyle with plenty of everyday comfort. Situated on almost 1 acre of land, the home features fully updated durable and stylish LVP flooring, an updated kitchen, and a custom full primary bathroom. The covered front porch welcomes you into an open-concept layout makes the main living areas ideal for relaxing, gathering, and entertaining. Outside, step onto the freshly renovated deck and enjoy additional space for outdoor living, while the detached shed provides convenient storage for tools, lawn equipment, and more. The generous driveway offers ample open parking for residents and guests. Conveniently located within walking distance of Watertown High School and just minutes from other schools, parks, shopping, dining, and more! This move-in-ready Watertown property offers slow country living with big city convenience. Schedule your private tour today!

510 Neal Rd, Watertown

$314,500

3 Beds ⋅ 1 Baths ⋅ 3319962 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.55 Acres ⋅ 37184 Zip Code

This well-maintained home features a durable metal roof, new appliances, and a detached 2-car garage. Inside you'll find new cabinets, fresh paint, and new flooring throughout. Situated on a large lot, this property offers plenty of space and privacy. A fantastic opportunity in Watertown!

4874 Sparta Pike, Watertown

$210,000

4 Beds ⋅ 3 Baths ⋅ 3287870 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.55 Acres ⋅ 37184 Zip Code

Welcome to this charming 4-bedroom, 3 full baths home featuring a spacious layout and a large backyard perfect for entertaining, relaxing, or play. Conveniently located in the heart of Watertown, this home offers comfort, functionality, and plenty of space to make it your own!

724 W Main St, Watertown

$339,900

3 Beds ⋅ 2 Baths ⋅ 3247212 MLS ⋅ ACTIVE Status ⋅ 0.26 Acres ⋅ 37184 Zip Code

PRICED BELOW MARKET VALUE FOR QUICK SALE!!! Don’t miss this opportunity to this one-level home at an even better value. Inside, you’ll find a bright, open floor plan with fresh neutral paint, hardwood flooring throughout the main living areas, vaulted ceilings, and tile in wet areas. The kitchen and baths feature custom soft-close wood cabinetry and granite countertops, while 9-foot ceilings and a well-designed layout make the home feel even larger than it appears from the outside. A generously sized laundry room leads to the oversized one-car garage, while the privacy-fenced backyard offers additional access and frontage along the rear alley. All appliances remain. Additional highlights include a slab foundation and brand-new HVAC system installed in 2026. Great opportunity for investor or home owner! Conveniently located near historic downtown Watertown, just 15 minutes to Lebanon and I-40 and approximately 37 minutes to Nashville International Airport. The property also qualifies for 100% USDA Rural Development financing for eligible buyers. With a new price and a motivated seller, now is a great time to take another look and bring an offer! Select photos have been virtually staged to illustrate how the spaces can be furnished.

131 Richland Ave, Watertown

$224,900

3 Beds ⋅ 2 Baths ⋅ 3181854 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.9 Acres ⋅ 37184 Zip Code

Conveniently located on Main Street in Watertown on almost an acre. Within walking distance to the Historic District of Watertown. The outside of the home has fresh paint, new gutters, and the home is well maintained.

744 W Main St, Watertown

Start Your Search

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.

37184 Homes under $400,000

Newest 37184 Homes under $400,000

How much is your home worth?

How much is your home worth?