38548 Homes under $400,000

38548 Homes under $400,000

Welcome to Buffalo Valley, Tennessee, where the charm of small-town living meets the beauty of nature! Nestled in Smith County, the 38548 zip code offers a serene escape from the hustle and bustle of city life, making it an ideal place for families, retirees, and anyone seeking tranquility.

In Buffalo Valley, you will find a delightful selection of homes under $400,000, perfect for first-time homebuyers or those looking to downsize without sacrificing comfort or style. These properties range from cozy cottages to spacious family homes, all set against a backdrop of rolling hills and lush landscapes. With a strong sense of community and friendly neighbors, you’ll feel right at home in this picturesque area.

The charm of Buffalo Valley extends beyond its affordable housing. Outdoor enthusiasts will appreciate the nearby recreational opportunities, including hiking, fishing, and boating in the stunning natural surroundings. The local parks and green spaces provide perfect spots for picnics and family gatherings, while the nearby lakes offer a refreshing retreat during the warm Tennessee summers.

Living in the 38548 area means you’re never too far from essential amenities. With local shops, dining options, and schools just a short drive away, you’ll enjoy the perfect balance of rural serenity and convenient access to everything you need.

Discover the hidden gem of Buffalo Valley, where affordable homes, a warm community, and the beauty of nature await you. Your dream home in 38548 is just a heartbeat away!

Newest 38548 Homes under $400,000

8 Young Bottom Ln, Buffalo Valley
$99,900
2 Beds ⋅ 2 Baths ⋅ 3601562 MLS ⋅ ACTIVE Status ⋅ 1.13 Acres ⋅ 38548 Zip Code
OWNER FINANCING AVAILABLE — ONLY $5,000 DOWN! Enjoy peaceful country living near the water with this well-kept home situated on a spacious lot in the beautiful Buffalo Valley/Granville area. The home offers a bright, comfortable interior with attractive wood-look flooring, a spacious living area with fireplace, vaulted ceilings, and a nicely updated kitchen featuring abundant cabinetry, an island, stainless appliances, and plenty of workspace. The country setting is a major highlight, offering plenty of open space and a relaxed rural atmosphere while keeping you close to some of the area’s best outdoor recreation. Indian Creek Campground is nearby on Cordell Hull Lake, offering convenient access to boating, fishing, swimming, camping, and other outdoor activities. You’re also just a short drive from Granville, with additional lake access, recreation, shops, and attractions in the area. This is a great opportunity for someone looking for an affordable home in the country without having to go through traditional bank financing. Offered at $129,900 with OWNER FINANCING: $5,000 down • 9% interest • 30-year amortization • Approx. $1,004.97/month principal & interest. With a spacious lot, peaceful surroundings, proximity to Cordell Hull Lake and Indian Creek Campground, and flexible owner-financing terms, this property offers an attractive combination of affordability and country living.

8 Young Bottom Ln, Buffalo Valley

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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.

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