38551 Homes under $700,000

Welcome to Celina, Tennessee, a charming city nestled in the heart of Clay County, where the zip code 38551 offers a unique blend of rural tranquility and vibrant community life. Known for its stunning natural landscapes and friendly atmosphere, Celina is an ideal place for families, retirees, and anyone seeking a serene lifestyle.

In the 38551 area, you'll find an array of beautiful homes priced under $700,000, making it an accessible market for first-time buyers and seasoned investors alike. Whether you're searching for a cozy cottage, a spacious family home, or a scenic property with breathtaking views, Celina has something to suit every taste and budget. The real estate options here often feature charming architectural styles, modern amenities, and expansive yards, perfect for outdoor activities and gatherings.

Living in Celina means enjoying the best of both worlds—small-town charm with convenient access to larger cities. The community is known for its warm hospitality, with local events and gatherings fostering a strong sense of belonging. Nearby recreational opportunities abound, from fishing and boating on Dale Hollow Lake to hiking and exploring the picturesque landscapes that define this beautiful region.

With a cost of living that is often lower than the national average, Celina offers an affordable lifestyle without sacrificing quality. If you're looking for a place where you can settle down, create lasting memories, and enjoy the beauty of nature, the 38551 zip code is waiting for you. Discover your dream home in Celina today!

Newest 38551 Homes under $700,000

$349,900

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

$624,900

2 Beds ⋅ 2 Baths ⋅ 3335933 MLS ⋅ ACTIVE Status ⋅ 1.05 Acres ⋅ 38551 Zip Code

Welcome to this charming Honest Abe Log Home just a minute from Dale Holloew Lake in Celina, Tn.! This well-maintained 2 bed, 2 bath log home offers over 1,300 sq. ft.of living space and sleeps 8 comfortably. The home is fully furnished and move in ready with Anderson windows, new blinds, new exterior doors, new water heater, and Samsung side by side washer and dryer. The reverse osmosis water system adds convenience and quality Exterior features include huge lot for parking or space to build 35 x56 building which includes a seperate septic hook up. The exterior wood of this home has been stained in the past two years. Also a recent treatment was performed to keep carpenter bees away. The roof is less then 5 years old. All this with the surrounding views of hills and lake and just 3 miles from shopping, dining, parks, and with easy access to Cedar Hill Marina and Dale Hollow Marina. This is an ideal lake getaway or investment property. Experience the feel of Gatlinburgh with beauty of Dale Hollow Lake!

225 Bill Hunter 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

$350,000

2 Beds ⋅ 2 Baths ⋅ 3320170 MLS ⋅ ACTIVE Status ⋅ 0.64 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 1,160 sqft of beautifully designed living space, this 2-bed, 2-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. **Up to 1% lender credit on the loan amount when buyer uses Seller's Preferred Lender**

551 Soft Ridge Rd, Celina

$310,000

2 Beds ⋅ 2 Baths ⋅ 3320166 MLS ⋅ ACTIVE Status ⋅ 0.47 Acres ⋅ 38551 Zip Code

**TO BE BUILT!** Photos shown are of a pre-existing 2-bedroom home with similar floor plan that has already been built within the community and are intended to provide an example of what this home may look like once completed. The home pictured includes some optional upgrades that are not included in the base price. 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. This 2-bed, 2-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, and modern finishes throughout. Built with quality and longevity in mind, the home includes a timber 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. **Up to 1% lender credit on the loan amount when buyer uses Seller's Preferred Lender.**

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

$172,000

3 Beds ⋅ 1 Baths ⋅ 3260085 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 1 Acres ⋅ 38551 Zip Code

Welcome to peaceful country living at 1757 Wet Mill Creek Road in Celina! This cozy brick Ranch offers three bedrooms one full bath with approximately 1188 ft.² of comfortable living space. Nestled on approximately 1 acre, the property features a level wooded setting that provides privacy while still offering convenient access to Celina, Gainsboro, and Livingston. Outside, the property offers a detached workshop/outbuilding with excellent space for hobbies, storage tools or outdoor equipment, along with a covered back deck and carport for convenient parking. Peaceful rural setting, this property offers opportunity to enjoy a simpler pace of life while remaining close to town. Schedule your showing today!

1757 Wet Mill Creek Rd, 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

$404,900

6 Beds ⋅ 4 Baths ⋅ 3247019 MLS ⋅ ACTIVE Status ⋅ 0.5 Acres ⋅ 38551 Zip Code

INVESTMENT RENTAL PROPERTYY WITH A HOME – WALKING DISTANCE TO DALE HOLLOW LAKE, TN AT CEDAR HILL MARINA: NOTE: all information includes both units which there is an attached deck that connects the two units. The MAIN HOME is approx. 900 sq ft with 2 BD/2BA. open concept kitchen – dining rooms large living room, some of the rooms have beautiful oak knob ceilings, laundry room, totally furnished, covered porch and a U shape deck at the back and sides. The lovely decking with the gazebo is connected to two rental units. UNIT 2: Lower level is approx. 875 sq ft – open concept – kitchenette - full bath and sleeps six. PLUS, it is professionally decorated and lovingly & All units are totally furnished. This unit connects to the open deck to the main home and the upper-level apartment. UNIT 3: This is an upper unit above Unit 2. Totally open concept with a fully equipped kitchen 1 bath, approx. 450’ sq ft, sleeps 4, totally furnished. This unit connects to the large deck with the gazebo and connects to the main home and Unit 2. Ideal investment to live in the main home and entertain the guest from an AIRB&B or Rental program for the connected unit. PLUS: This property is walking distance to Cedar Hill Marina on Dale Hollow Lake. Ideal property to use to rent to lake vacationers and on a rental program. Many possibilities for this unique property. TRULY UNIQUE. Currently the rental program must have an advance appointment to view. Buyer responsible for doing own due diligence and pertinent information & research.

450 Cedar Hill Rd, Celina

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.

38551 Homes under $700,000

Newest 38551 Homes under $700,000

How much is your home worth?

How much is your home worth?