38544 Homes under $400,000

Welcome to Baxter, Tennessee, where the charm of small-town living meets the beauty of the great outdoors! Nestled in the heart of Putnam County, the 38544 zip code is a hidden gem that offers a perfect blend of tranquility and accessibility. Just a short drive from Cookeville, Baxter is an ideal location for those seeking a peaceful retreat without sacrificing modern conveniences.

The real estate market in Baxter is particularly appealing for homebuyers looking for affordable options. With numerous homes available under $400,000, you’ll find a variety of styles and sizes to suit your needs. From cozy single-family homes to spacious ranch-style properties, there’s something for everyone. Many of these homes boast beautiful yards, perfect for family gatherings, gardening, or simply enjoying the serene surroundings.

Living in Baxter means embracing a lifestyle filled with outdoor activities. With nearby parks, lakes, and hiking trails, residents can enjoy fishing, boating, and exploring nature right at their doorstep. The community is known for its friendly atmosphere, making it easy to connect with neighbors and participate in local events.

In addition to its natural beauty, Baxter offers essential amenities, including grocery stores, schools, and dining options, ensuring that everything you need is within reach. Whether you’re a first-time homebuyer, looking to downsize, or seeking a vacation home, the 38544 zip code is a fantastic place to call home. Discover the charm of Baxter and find your dream home today!

Newest 38544 Homes under $400,000

$379,900

4 Beds ⋅ 3 Baths ⋅ 3622792 MLS ⋅ COMING SOON Status ⋅ 38544 Zip Code

Stockton — 2,410 sq ft | 4 bed | 3 bath | 2-car | 40x60 The Stockton is built for entertaining, with dual private suites that make it equally suited for multi-generational households, long-term guests, or families who want flexibility. A versatile layout accommodates four bedrooms plus generous shared gathering space. Choose from curated finish packages and structural options to personalize with confidence. Built by Banner Built Homes, a Legacy South company, with the craftsmanship and proven systems behind 300+ homes a year. Pick your homesite, pick your finishes, and we handle the rest. Hometown Hero and First-Time Buyer incentives plus flexible financing through Mutual of Omaha available

223 Reece Rd, Baxter

$294,900

3 Beds ⋅ 2 Baths ⋅ 3622790 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

Huntington — 1,479 sq ft | 3 bed | 2 bath | 2-car | 55x40 The Huntington delivers single-level living at its most functional. A wide ranch layout fills the main living areas with natural light, and all three bedrooms sit conveniently close together — ideal for young families or anyone who prefers stairs-free living. Choose from curated finish packages and structural options to personalize with confidence. Built by Banner Built Homes, a Legacy South company, with the craftsmanship and proven systems behind 300+ homes a year. Pick your homesite, pick your finishes, and we handle the rest. Hometown Hero and First-Time Buyer incentives plus flexible financing through Mutual of Omaha available. Grand Opening May 9, 2026. Contact listing agent to schedule a sneak peek and secure priority homesite access.

217 Reece Rd, Baxter

$374,990

3 Beds ⋅ 2 Baths ⋅ 3622786 MLS ⋅ COMING SOON Status ⋅ 0.39 Acres ⋅ 38544 Zip Code

Modern Farmhouse with an open floor plan. Granite kitchen with a huge island and large upper cabinets with molding. Stainless Steel appliances. Tiled owner's suite with a big walk in shower. Large lot-tree lined rear. Too many upgrades to list!

130 Regan Loop, Baxter

$319,900

3 Beds ⋅ 2 Baths ⋅ 3622784 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

The Wolcott is a wide ranch designed around a central living area with a secluded primary suite tucked away for real privacy — a rare find in single-level plans at this size. Secondary bedrooms sit on the opposite side, making it equally suited for families, empty nesters, or anyone who hosts guests. Choose from curated finish packages and structural options to make it yours. Built by Banner Built Homes, a Legacy South company, with the craftsmanship and proven systems behind 300+ homes a year. Pick your homesite, pick your finishes, and we handle the rest. Hometown Hero and First-Time Buyer incentives plus flexible financing through Mutual of Omaha available. Grand Opening May 9, 2026. Contact listing agent to schedule a sneak peek and secure priority homesite access.

219 Reece Rd, Baxter

$329,000

3 Beds ⋅ 2 Baths ⋅ 3620309 MLS ⋅ ACTIVE Status ⋅ 0.54 Acres ⋅ 38544 Zip Code

Be the lucky one to call this beautiful new construction home. This home truly packs a punch from the curb appeal outside to all the gorgeous finishes inside. The home features an open living, kitchen, & dining concept as well as a split bedroom floor plan. The fully equipped kitchen is anchored by an island workstation with breakfast bar, topped with sparkling granite countertops. Luxury vinyl plank flooring throughout allows for easy cleaning. Primary suite features trey ceiling, walk-in closet, dual vanity, tile shower, & private potty room. Other extras that you will love are the spacious walk-in pantry, hallway entry with seating & storage for shoes, and the large laundry room. And last but definitely not least is the covered back deck with tongue & groove wood ceiling.

141 Reece Rd, Baxter

$219,990

3 Beds ⋅ 3 Baths ⋅ 3619176 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

Rates as low as 5.5% 30 year fixed with our lender, see flyer in documents section for details. The Pearson is one of the newest townhomes in Paddington Place, Baxter, Tennessee. This modern, open-concept floorplan offers 3 bedrooms, 2.5 bathrooms, and a 1-car garage within 1,418 sq. ft. Enjoy low-maintenance townhome living with an elegant design you won’t find elsewhere. Upon entering, a foyer and powder room greet you before opening into the spacious kitchen and living area. The kitchen features quartz countertops with seating and plenty of room for a dining table. Upstairs, the primary bedroom includes a walk-in closet and an ensuite bathroom with a double-bowl vanity. Two additional bedrooms provide versatile space for kids, nurseries, or offices, each with ample closet space. The hallway includes a full bathroom and an upstairs laundry room for convenience. The Pearson comes equipped with the Home is Connected smart home technology package, allowing you to control your home via smart device, whether near or away. Contact us today to learn more about the Pearson at Paddington Place in Baxter, TN.

277 Dale Mires Ln, Baxter

$219,990

3 Beds ⋅ 3 Baths ⋅ 3619174 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

The Pearson is one of the newest townhomes in Paddington Place, Baxter, Tennessee. Rates as low as 5.5% 30 year fixed with our lender, see flyer in documents section for details. This modern, open-concept floorplan offers 3 bedrooms, 2.5 bathrooms, and a 1-car garage within 1,418 sq. ft. Enjoy low-maintenance townhome living with an elegant design you won’t find elsewhere. Upon entering, a foyer and powder room greet you before opening into the spacious kitchen and living area. The kitchen features quartz countertops with seating and plenty of room for a dining table. Upstairs, the primary bedroom includes a walk-in closet and an ensuite bathroom with a double-bowl vanity. Two additional bedrooms provide versatile space for kids, nurseries, or offices, each with ample closet space. The hallway includes a full bathroom and an upstairs laundry room for convenience. The Pearson comes equipped with the Home is Connected smart home technology package, allowing you to control your home via smart device, whether near or away. Contact us today to learn more about the Pearson at Paddington Place in Baxter, TN.

279 Dale Mires Ln, Baxter

$229,990

3 Beds ⋅ 3 Baths ⋅ 3619172 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

Rates as low as 5.5% 30 year fixed with our lender, see flyer in documents section for details. End unit! The Pearson is one of the newest townhomes in Paddington Place, Baxter, Tennessee. This modern, open-concept floorplan offers 3 bedrooms, 2.5 bathrooms, and a 1-car garage within 1,418 sq. ft. Enjoy low-maintenance townhome living with an elegant design you won’t find elsewhere. Upon entering, a foyer and powder room greet you before opening into the spacious kitchen and living area. The kitchen features quartz countertops with seating and plenty of room for a dining table. Upstairs, the primary bedroom includes a walk-in closet and an ensuite bathroom with a double-bowl vanity. Two additional bedrooms provide versatile space for kids, nurseries, or offices, each with ample closet space. The hallway includes a full bathroom and an upstairs laundry room for convenience. The Pearson comes equipped with the Home is Connected smart home technology package, allowing you to control your home via smart device, whether near or away. Contact us today to learn more about the Pearson at Paddington Place in Baxter, TN.

283 Dale Mires Ln, Baxter

$219,990

3 Beds ⋅ 3 Baths ⋅ 3619170 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

281 Dale Mires Ln, Baxter

$263,200

3 Beds ⋅ 2 Baths ⋅ 3613065 MLS ⋅ ACTIVE Status ⋅ 0.29 Acres ⋅ 38544 Zip Code

Spacious Two-Story Home in the Heart of Baxter, TN! Don't miss this opportunity to see this beautiful two-story home conveniently located in the heart of Baxter! Offering 3 bedrooms, 2 full bathrooms on main floor both with large walkin closet. The total square footage comes to 1,904 square feet. This home was completly remodeled in 1993, this property provides plenty of space and features for comfortable living. Inside, you'll find a large primary bedroom complete with a large walk-in closet, along with spacious living areas and plenty of potential to make this home your own. Outside, enjoy a large deck, perfect for relaxing or entertaining, as well as a partially fenced yard and a double concrete driveway. The property also includes a detached two-car garage, providing additional parking, storage, or workspace. With its convenient Baxter location, this property is one you won't want to miss.

406 4th Ave S, Baxter

$349,900

4 Beds ⋅ 3 Baths ⋅ 3611264 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

Franklin — 2,269 sq ft | 4 bed | 2.5 bath | 2-car | 38x46 The Franklin puts the primary suite on the main floor — a feature usually reserved for larger, more expensive homes. Spacious, adaptable living areas flex with your family's evolving needs, and three additional bedrooms upstairs give kids, guests, or a home office plenty of room. Choose from curated finish packages and structural options to make it yours. Built by Banner Built Homes, a Legacy South company, with the craftsmanship and proven systems behind 300+ homes a year. Pick your homesite, pick your finishes, and we handle the rest. Hometown Hero and First-Time Buyer incentives plus flexible financing through Mutual of Omaha available. Grand Opening May 9, 2026. Contact listing agent to schedule a sneak peek and secure priority homesite access.

2221 Reece Rd, Baxter

$389,990

4 Beds ⋅ 4 Baths ⋅ 3611261 MLS ⋅ ACTIVE Status ⋅ 38544 Zip Code

Rutledge — 2,695 sq ft | 4 bed | 3.5 bath | 2-car | 40x46 The Rutledge is the flagship plan — and the smartest layout in the lineup. A convenient main-floor bedroom with full bath serves as an in-law suite, guest room, or home office, while the large private second-story primary suite gives parents real separation from the rest of the house. Two additional upstairs bedrooms round out the plan. Choose from curated finish packages and structural options to make it yours. Built by Banner Built Homes, a Legacy South company, with the craftsmanship and proven systems behind 300+ homes a year. Pick your homesite, pick your finishes, and we handle the rest. Hometown Hero and First-Time Buyer incentives plus flexible financing through Mutual of Omaha available. Grand Opening May 9, 2026. Contact listing agent to schedule a sneak peek and secure priority homesite access.

2241 Reece Rd, Baxter

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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.

38544 Homes under $400,000

Newest 38544 Homes under $400,000

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