38551 Homes under $500,000

Welcome to the charming community of Celina, Tennessee, nestled in the heart of Clay County and proudly bearing the zip code 38551. Known for its picturesque landscapes and friendly atmosphere, Celina is a hidden gem that offers a delightful blend of rural tranquility and vibrant local culture.

This quaint city is surrounded by stunning natural beauty, including the serene waters of Dale Hollow Lake, making it an ideal destination for outdoor enthusiasts. Whether you enjoy fishing, boating, or simply soaking in the breathtaking views, Celina has it all. The community is also rich in history and tradition, with local festivals and events that bring residents together throughout the year.

For those looking to make Celina their home, you’ll be pleased to discover a variety of charming properties available for under $500,000. These homes offer a perfect opportunity for first-time buyers, families, or anyone seeking a peaceful retreat. From cozy cottages to spacious family homes, the real estate options in this area cater to diverse tastes and needs. Many properties feature large yards, modern amenities, and easy access to local parks and schools, ensuring a comfortable lifestyle for all.

Living in Celina means embracing a close-knit community where neighbors become friends and the pace of life is refreshingly laid-back. With affordable housing options and an abundance of outdoor activities, 38551 is not just a zip code; it’s a place where you can truly feel at home. Come explore what Celina has to offer—you may just find your dream home waiting for you!

Newest 38551 Homes under $500,000

$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

$309,900

3 Beds ⋅ 2 Baths ⋅ 3543006 MLS ⋅ ACTIVE Status ⋅ 5.3 Acres ⋅ 38551 Zip Code

Thinking about a riverfront vacation spot, a year-round escape or an Airbnb? This affordable Honest Abe log home is situated on a private cul-de-sac spanning 5.30 of unrestricted acreage right on the Obey River. A walkway bridge provides direct access from the house to the riverbank with landing deck. This residence has almost 2100 square feet featuring impressive high vaulted ceilings, beautiful hardwood flooring, three bedrooms, and two full bathrooms. Plus, there's an unfinished basement perfect for adding more living space later. An upper open loft bonus area is the ideal place for an office or an exercise space. The open layout is great for entertaining, and the living room is enhanced by a charming wood-burning fireplace. The detached garage provides convenient parking or workshop space. This location offers excellent accessibility, being just minutes from the town of Celina and the beautiful Dale Hollow Lake. Hurry and check out!

161 Obey River Ln, 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

$450,000

3 Beds ⋅ 3 Baths ⋅ 3320175 MLS ⋅ ACTIVE Status ⋅ 0.71 Acres ⋅ 38551 Zip Code

Escape to your own PRIVATE MOUNTAIN RETREAT at The Preserve at Dale Hollow. Enjoy breathtaking views, peaceful forest surroundings, and unmatched serenity—all just minutes from the crystal-clear waters of Dale Hollow Lake! Whether you're seeking adventure or quiet relaxation, this is the perfect place to unplug, unwind, and reconnect with nature. With 1,764 sqft of beautifully crafted living space and 464 sqft of outdoor living space, this 3-bed, 3-bath home was designed to make the most of its breathtaking mountain setting. The open-concept floor plan is filled with natural light and features quartz countertops, stainless steel electric appliances, central HVAC, and modern finishes throughout. Built with quality and longevity in mind, the home includes a steel foundation, board-and-batten metal siding, and low-maintenance Infinity composite decking across every outdoor living space. City water and septic provide everyday convenience while allowing you to enjoy the privacy and tranquility of this wooded mountainside community. Whether you're searching for a luxury vacation getaway, a full-time residence surrounded by nature, or an exceptional short-term rental or investment opportunity, this home offers the perfect blend of modern comfort, spectacular mountain views, and easy access to one of Tennessee's premier lake destinations. **Some photos are virtual renderings. Home is being built. Pricing may vary based on selected finishes, upgrades, and lot premiums.** Up to 1% lender credit on the loan amount when buyer uses Seller's Preferred Lender **

985 Soft Ridge 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

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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 $500,000

Newest 38551 Homes under $500,000

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