38551 Homes under $300,000

Welcome to the charming zip code 38551, nestled in the heart of Celina, Tennessee, within the picturesque Clay County. This delightful area is known for its serene landscapes, friendly community, and a lifestyle that beautifully blends the tranquility of rural living with the conveniences of modern amenities.

One of the standout features of 38551 is the incredible real estate opportunities available, particularly for those seeking homes under $300,000. Whether you’re a first-time homebuyer, a growing family, or looking for a cozy retirement retreat, you’ll find a variety of affordable options that cater to diverse tastes and needs. From charming single-family homes with expansive yards to quaint cottages that exude character, the housing market here offers something for everyone.

Living in Celina means embracing a lifestyle rich in outdoor activities and community spirit. Enjoy weekends fishing or boating on the stunning Dale Hollow Lake, or take a leisurely stroll through the town’s welcoming parks. The local schools, shops, and eateries add to the area's appeal, making it an ideal place to put down roots.

With a strong sense of community and an abundance of natural beauty, 38551 is not just a zip code; it’s a place where memories are made. Discover the charm of Celina, TN, and explore the affordable housing options that await you. Your dream home in this idyllic setting is just a visit away!

Newest 38551 Homes under $300,000

$129,900

2 Beds ⋅ 1 Baths ⋅ 3627791 MLS ⋅ ACTIVE Status ⋅ 2.5 Acres ⋅ 38551 Zip Code

2.5 Ac located in the country & hills of TN. 2024 / 2BD/1BA, approx 928 sq ft, kitchen – dining combination SITE BUILT HOME. Laminating flooring, double pane windows, dual wall HVAC system, appliances. Nice covered front decking – porch and a side door with handicap access. Large yard with plenty of room for a garden. Corner lot with good access onto property off a paved county road & a ST Hwy. Loads of wildlife running about. NO RESTRICTIONS. Mixture of terrain. 12X12 storage shed. Great country location / private & secluded with mtn views. Approx 3/10’s of a mile from Dale Hollow Lake. Less than 5 miles from the historical town of Celina, TN. (all amenities available). Additional adjoining acres (2.50 ac) are available to purchase. Contact listing Broker to discuss. Buyer to do own due diligence & pertinent information.

796 Old State Hwy 52, Celina

$159,900

2 Beds ⋅ 1 Baths ⋅ 3627605 MLS ⋅ ACTIVE Status ⋅ 5 Acres ⋅ 38551 Zip Code

5 Ac located in the country & hills of TN. 2024 / 2BD/1BA, approx 928 sq ft, kitchen – dining combination SITE BUILT HOME. Laminating flooring, double pane windows, dual wall HVAC system, appliances. Nice covered front decking – porch and a side door with handicap access. Large yard with plenty of room for a garden. Corner lot with good access onto property off a paved county road & a ST Hwy. Loads of wildlife running about. NO RESTRICTIONS. Mixture of terrain. 12X12 storage shed. PLUS there is a 2-stall garage off the ST Hwy (needs to be finished) (would be ideal for the boat or lake toys. Great country location / private & secluded with mtn views. Approx 3/10’s of a mile from Dale Hollow Lake. Less than 5 miles from the historical town of Celina, TN. (all amenities available). Seller will sell with 2.50 ac. Contact listing Broker to discuss. Buyer to do own due diligence & pertinent information.

796 Old State Hwy 52, Celina

$119,000

1 Beds ⋅ 1 Baths ⋅ 3627492 MLS ⋅ ACTIVE Status ⋅ 2.5 Acres ⋅ 38551 Zip Code

2.5 Ac located in the country & hills of TN. 2026 / 1BD/1BA cabin with an open concept kitchen – dining – living rooms. Laminating flooring, double pane windows, dual wall HVAC system, appliances Awesome mtn views. An area has been fenced for goats, horses or dogs. Good access onto property off a county road and a paved – gravel easement (will be granted from the seller). Telephone, internet, fiber optics & cable are available to connect into. Loads of wildlife running about. NO RESTRICTIONS. Mixture of terrain. Great country location / private & secluded. Approx 3/10’s of a mile from Dale Hollow Lake. Less than 5 miles from the historical town of Celina, TN. (all amenities available). Buyer to do own due diligence & pertinent information.

855 Old Hwy 52, Celina

$279,999

2 Beds ⋅ 2 Baths ⋅ 3627402 MLS ⋅ ACTIVE Status ⋅ 1.5 Acres ⋅ 38551 Zip Code

Welcome to life at Dale Hollow Lake! Just 3 minutes from Safe Harbor Holly Creek Marina, this charming 2-bedroom, 2-bath cottage offers the perfect blend of comfort and convenience. Inside, enjoy warm hardwood floors, a cozy cottage feel, and beautifully updated kitchen and baths. Outside, relax on 1.5 acres with plenty of room to breathe, plus a 4-bay covered boat storage with electricity that is ready for all your lake toys. Whether you're searching for a full-time home, weekend getaway, or income producing rental, this property checks all the boxes. Schedule your private showing today!

1932 Holly Creek Rd, Celina

$157,500

2 Beds ⋅ 2 Baths ⋅ 3626998 MLS ⋅ ACTIVE Status ⋅ 0.71 Acres ⋅ 38551 Zip Code

SMALL TOWN LIVING: A HOME IN THE HEART OF CELINA, TN. 0.71 Ac in the heart of the historical town of Celina, TN. – this town is in the heart of Dale Hollow Lake, TN. Quaint ranch style home w/ a partial unfinished walkout basement of 2BD/2BA, Approx 1000 sq ft, lovely hardwood flooring – tile & carpet, all rooms are large, totally furnished PLUS included is an apartment with separate entry & an attached 1 car garage. Nice level yard with a garden spot, presently has a dog pen and chicken coop - fenced in. Several outbuildings used as sheds & storage for yard & garden tools & equipment, 2 car detached carport. Easy access off a city paved street. All city utilities are installed with Fiber Optics available. Walking distance to town and all amenities. Even walking distance to Donaldson Park (fronts the Cumberland River – fishing from the bank. Approx 1 mile to Dale Hollow Lake. Ideal setting. Ideal home for a first-time home buyer or a retired couple. Buyer to do own due diligence & pertinent information. Seller selling “AS IS” “WHERE IS”.

218 E Lake Ave, Celina

$149,900

1 Beds ⋅ 1 Baths ⋅ 3623165 MLS ⋅ ACTIVE Status ⋅ 0.59 Acres ⋅ 38551 Zip Code

Approx 0.50 ac with a remodeled - open concept – 320 sq ft – cabin with a basement. CUTE AS A BUTTON! Cabin is an open concept with kitchenette – living room – bedroom all in one. New windows, plumbing, water heater, window dual heat – air unit, flooring, roof and electric. The basement has been well maintained. Outside entrance only. PLUS: There is an adjoining existing attached foundation to the cabin with a basement that could be used to finish and have more sq footage to the home. NOTE THE PHOTOS. Additional adjoining acreage available to purchase. Contact listing agent for those details. Small lot of approx 1/2 ac with a garden site & a level to a sloping terrain. Included is a 2-bay old garage (more like a shed). This lovely community is on Dale Hollow Lake, and this home is within walking distance of Cedar Hill Marina and Dale Hollow Marina. Ideal home for the lake getaway that you are looking for. Ideal for your next project to finish that attached foundation that was started. Or a great investment to rent out to an AIRBNB or a rental project. Buyer to do own due diligence & pertinent information.

128 Cummins Ct, Celina

$149,900

2 Beds ⋅ 1 Baths ⋅ 3623016 MLS ⋅ ACTIVE Status ⋅ 0.4 Acres ⋅ 38551 Zip Code

IMMACALATE MOBILE HOME WALKING DISTANCE TO DALE HOLLOW LAKE, TN. This 2BD/1BD, approx 840 sq ft mobile home is in immaculate – excellent condition. Seldom lived in. Double arch roofing. Totally furnished with lovely furnishings. Open concept kitchen – dining & living rooms. Breakfast nook in the kitchen plus a pantry. Radio sound system installed and still works. New HVAC system installed in 2024. New water heater, carpet and all appliances are included. All window treatments will remain. Covered front porch – deck. Shed included. Small lot of approx 3/10’s of an ac with a backyard of trees & level to a slope - not much maintenance will be needed. This lovely community is on Dale Hollow Lake, and this home is within walking distance of Cedar Hill Marina and Dale Hollow Marina. Ideal home for the lake getaway that you are looking for. No Maintenance needed just move in. Buyer to do own due diligence & pertinent information.

95 Cummins Ct, Celina

$216,900

2 Beds ⋅ 1 Baths ⋅ 3525557 MLS ⋅ ACTIVE Status ⋅ 0.32 Acres ⋅ 38551 Zip Code

Welcome to this historical town of small town living in Celina, TN. Offering this well-maintained brick ranch of 2BD/1BA in the center of Celina, TN in a well-groomed neighborhood. Approx 4/10’s of an acre. Located for an easy walk to all amenities of a small town and an easy walk to downtown square. Peaceful & charming. The home has the original hardwood floors, original interior doors with the handles, charming kitchen cabinets and many other original features of the home. Gas FP in the living room. Eat-in kitchen & a mud – laundry – office room combination. All appliances remain. Large master bedroom. Home is connected to all the city utilities including fiber optics. A lovely covered front porch. Fenced in back yard for small children and those loving pets. Shed and storage containers remain. The home has a set up for a RV / camper with an electric and easily connected to the water. When the RV set up is not being used one could use it for Christmas lights or additional lighting. Approx 5 minutes to Dale Hollow Lake, Obey River and Cumberland River. Ideal home for a first-time home buyer or downsizing to retire too. Buyer to do own due diligence & pertinent information.

127 Washington St, Celina

$45,000

3 Beds ⋅ 1 Baths ⋅ 3521143 MLS ⋅ ACTIVE Status ⋅ 2.3 Acres ⋅ 38551 Zip Code

Welcome to this spacious 3-bedroom, 1-bath manufactured home on 2.3 acres in Celina, TN. Enjoy country living with spacious rooms and a comfortable layout. A garage/workshop offers excellent space for storage, hobbies, projects, or extra parking. The home needs some updates, making it a great opportunity to add your own personal touches. With 2.3 acres and plenty of potential, this property is ready for someone looking to create their own comfortable home in a peaceful setting.

80 Free Hill Rd, Celina

$250,000

1 Beds ⋅ 1 Baths ⋅ 3320168 MLS ⋅ ACTIVE Status ⋅ 0.74 Acres ⋅ 38551 Zip Code

Escape to your own PRIVATE MOUNTAIN RETREAT at The Preserve at Dale Hollow! Lot 15 is ready to be built with a thoughtfully designed 1-bedroom, 1-bath home featuring 713 square feet of peaceful treetop living. The open-concept floor plan showcases quartz countertops, stainless steel electric appliances, large outdoor living space and tranquil forest views! Built for both style and durability, this home includes a wooden foundation, and low-maintenance Infinity composite decking on all outdoor living spaces. Whether you're searching for a full-time residence, a weekend retreat, or a short-term rental investment near one of Tennessee's premier lake destinations, this property offers the perfect opportunity. **Photos are virtual renderings. Home is to be built. The list price is the base price. Pricing may vary based on selected finishes & upgrades. Call today for more information! **Up to 1% lender credit on the loan amount when buyer uses Seller's Preferred Lender**

667 Soft Ridge Rd, Celina

$150,000

3 Beds ⋅ 1 Baths ⋅ 3305250 MLS ⋅ ACTIVE Status ⋅ 0.23 Acres ⋅ 38551 Zip Code

Welcome to 8 Thurman Drive in the heart of Celina, Tennessee! This 3-bedroom, 1-bath brick home offers comfortable living with approximately 964 square feet of space and is ideally located just minutes from the world-renowned Dale Hollow Lake. Whether you're searching for your first home, a peaceful weekend retreat, or a turnkey rental investment, this property checks all the boxes. The functional floor plan makes the most of every square foot, while the durable brick exterior offers timeless curb appeal and low-maintenance living. Enjoy the charm of small-town living with convenient access to local shopping, restaurants, schools, and endless outdoor recreation. Spend your weekends boating, fishing, kayaking, or exploring the natural beauty that makes Dale Hollow Lake one of Tennessee's premier destinations. Whether you're looking to build equity, expand your investment portfolio, or enjoy life near the lake, 8 Thurman Drive is a property you'll want to see. A

8 Thurman Dr, Celina

$229,500

2 Beds ⋅ 1 Baths ⋅ 3251880 MLS ⋅ ACTIVE Status ⋅ 0.15 Acres ⋅ 38551 Zip Code

Beautifully remodeled 2 bedroom, 1 bath home with 768 sqft located less than one mile & within walking distance to Dale Hollow Marina and Cedar Hill Resort & Marina. This extremely desirable property offers unbeatable proximity to Dale Hollow Lake, widely regarded as one of the most beautiful lakes in Tennessee. No stone was left unturned in the renovation, with updated finishes throughout, making this home completely move-in ready. Being sold fully furnished, this property is ideal as a primary residence, low-maintenance second home, or turnkey short-term rental. Enjoy high-speed fiber optic internet. With no short-term rental restrictions, this property offers incredible flexibility and income potential in a highly sought-after lake market. Whether you’re looking for a full-time residence, weekend lake getaway, or vacation rental investment, this home delivers it all!! Buyer to verify ALL information.

94 Cummins Ct, Celina

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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.

38551 Homes under $300,000

Newest 38551 Homes under $300,000

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