38581 Homes under $400,000

Welcome to Rock Island, TN—where the beauty of nature meets the charm of small-town living! Nestled in the heart of the 38581 zip code, this picturesque community is an ideal haven for families, retirees, and anyone seeking a peaceful lifestyle. Surrounded by stunning landscapes, including the breathtaking Rock Island State Park, residents can enjoy an array of outdoor activities such as hiking, fishing, and picnicking along the scenic Caney Fork River.

One of the most appealing aspects of Rock Island is the diverse selection of homes available, especially for those looking for a budget-friendly option. In the 38581 area, you can find charming residences priced under $400,000. Whether you’re searching for a cozy cottage, a spacious family home, or a beautiful property with land, there’s something here to suit every taste and lifestyle. These homes often feature modern amenities, generous yards, and a warm sense of community that makes you feel right at home.

Living in Rock Island means you’ll also benefit from the friendly atmosphere and welcoming neighbors. The town boasts local shops, delicious dining options, and community events that foster connection and camaraderie. Plus, with easy access to larger cities like McMinnville and Cookeville, you can enjoy the tranquility of rural living without sacrificing convenience.

If you’re ready to make Rock Island your home, explore the wonderful opportunities available in the 38581 zip code. Your dream home awaits in this charming Tennessee gem!

Newest 38581 Homes under $400,000

$214,900

3 Beds ⋅ 2 Baths ⋅ 3611889 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 0.45 Acres ⋅ 38581 Zip Code

Welcome to 267 Royal Drive in McMinnville! This charming 3-bedroom, 1.5-bath brick home offers approximately 1,000 sq. ft. of comfortable living space and sits on a spacious 0.45-acre lot. Several of the big-ticket updates have already been taken care of! Approximately two years ago, the home received a new roof, gutters, windows, HVAC system, and all-new ductwork. Inside, you’ll find attractive, easy-to-maintain LVP flooring, while an attached garage provides convenient parking and additional storage. Priced at $214,900, this home is a great opportunity for buyers looking for a well-maintained brick home with major recent improvements.

267 Royal Dr, Rock Island

$229,000

2 Beds ⋅ 1 Baths ⋅ 3597560 MLS ⋅ ACTIVE Status ⋅ 1.062 Acres ⋅ 38581 Zip Code

Charming 2-bedroom, 1-bath home situated on a private 1.062-acre lot in Rock Island. Built in 2004, this 1,872-square-foot home offers rustic charm with wood siding and inviting outdoor spaces. Enjoy your morning coffee on the covered front porch or entertain and relax on the large back deck. Inside, the home features a comfortable living room and a spacious den with a wood-burning fireplace, creating a warm and inviting atmosphere. The finished basement provides additional flexible living space for a recreation room, office, hobby area, or storage. Central heating and cooling provide year-round comfort. With its peaceful setting, generous lot, finished basement, one-car carport, and rustic character, this property offers plenty of space and privacy to enjoy country-style living. Washer and dryer remain with the property. Selling AS IS. Owner/Agent.

5330 Sparta Hwy, Rock Island

$379,900

4 Beds ⋅ 3 Baths ⋅ 3530101 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 2.5 Acres ⋅ 38581 Zip Code

Seller will pay up to $10,000 towards buyers closing costs. Enjoy quiet country living on the porches of this Rock Island Farmhouse. The property has it all including a fenced-in back yard on 2.5 acres with enough space for your garden. There's room for everyone and everything with 4 bedrooms, 3 bathrooms, and tons of storage including walk-in closets throughout. The upgraded finishes include granite counter tops and tile flooring in the kitchen and downstairs bathrooms. The hardwood floors in the living room, dining area, and den will continue impress you as you explore this expansive floor plan. There's even a sink and storage cabinets in the laundry room. The back deck is being restained and resealed. It's hard to believe you'll have all of this less than 15 minutes from Rock Island State Park. Schedule your showing today!! The storage building conveys with the property. The washer and dryer do not. Buyer to verify all info. This home is under contract with a 48 hr right of refusal and sale of home contingency. The seller has the right to accept a better offer if presented.

412 Rock Station Rd, Rock Island

$213,900

3 Beds ⋅ 2 Baths ⋅ 3513162 MLS ⋅ ACTIVE Status ⋅ 0.49 Acres ⋅ 38581 Zip Code

Beautiful area of Rocky River, NEW Never lived in Clayton home on perminant foundation, Still under warranty with Clayton Homes, Energy Star home, large half Ac. yard with privacy fence, beautiful landscaping, new large decks front and back, and increadable views. This home is priced to sell! Will qualify for FHA, VA, and Rural home loans.Owner Agent.

2516 Goodbar Rd, Rock Island

$369,500

2 Beds ⋅ 2 Baths ⋅ 3305314 MLS ⋅ ACTIVE Status ⋅ 1.32 Acres ⋅ 38581 Zip Code

ON THE COLLINS and NEW PRICING! Looking for full time living on the river or the perfect getaway? This property certainly fits the bill either way you choose. And you could knock it out of the park putting this beauty in an Airbnb program. Totally remodeled inside and out, nothing has been neglected. Front and back porches, 2 nice bedrooms and baths. A full basement with CH/A already run for even more living area . Perfect game room or bunk room for the gang. Metal siding for No maintenance “ living. Easy to see. Give us a call. Some photos are AI generated to show the amazing possibilities.

267 Collins River Dr, Rock Island

$289,000

5 Beds ⋅ 2 Baths ⋅ 3247225 MLS ⋅ ACTIVE Status ⋅ 1 Acres ⋅ 38581 Zip Code

MOTIVATED SELLER!!! Lovely farmhouse on 1 acre located minutes from the beautiful Rock Island State Park. This 2,728 square foot home offers 4 bedrooms, 2 bathrooms and additional bonus/bedroom all covered by a BRAND-NEW ROOF! In addition, you will find a multi-purpose 576 sq ft detached studio, a large laundry room, a two-car covered carport and a spacious covered back patio. Kitchen comes with all appliances included. Don't miss this opportunity to own a little slice of country paradise surrounded by hiking trails, waterfalls and nature at its finest! Property is currently under contract with 48 hr First Right of Refusal.

118 Bone Cave Rd, Rock Island

$299,900

4 Beds ⋅ 2 Baths ⋅ 3243145 MLS ⋅ ACTIVE UNDER CONTRACT Status ⋅ 3.71 Acres ⋅ 38581 Zip Code

Welcome to this charming and move-in ready 4-bedroom, 2-bath home on 3.71 picturesque and rolling street acres in Rock Island. Offering 2,268 sq ft of thoughtfully updated living space, this property is truly priced to sell. Step inside to find brand new flooring throughout, a stylish kitchen with new appliances, and beautifully renovated bathrooms. The home also boasts all new exterior doors, a brand new tankless hot water heater, and the efficiency of a dual heat source for year-round comfort. With its blend of modern updates, spacious layout, and peaceful setting, this property is the perfect place to call home. Schedule your showing today!

87 Camp Overton Rd, Rock Island

$239,000

2 Beds ⋅ 2 Baths ⋅ 3190712 MLS ⋅ ACTIVE Status ⋅ 4.98 Acres ⋅ 38581 Zip Code

Opportunity meets versatility with this extensively updated single-wide home set on 5 UNRESTRICTED acres in Rock Island. Whether you're looking for a private residence, investment property, or the perfect setup for a multi-home family compound, this property delivers. The home has undergone a major renovation, with approximately 90% of the work already completed. Significant upgrades include a brand-new roof with updated sheathing and insulation, new subflooring throughout, updated plumbing, and mostly new drywall. The interior has been refreshed with new paint, luxury vinyl plank flooring, real wood paneling in the living room, and updated lighting including recessed and fixture upgrades. The kitchen has been completely redone with new cabinetry, countertops, stove, and sink, while the primary bathroom has been fully remodeled with a tile shower, new vanity, toilet, and mirror. Additional improvements include new interior and exterior doors, storm doors, updated windows, air return system, and new registers. Some finishing touches remain, including the laundry room, back bedroom, and porch areas. These will be completed prior to closing, or the seller is open to negotiating the price for a buyer who prefers to finish the home to their own taste. What truly sets this property apart is the land and future potential. The 5-acre tract is mostly usable and ideal for animals, gardening, or expansion with NO RESTRICTIONS. In addition to the existing home, the property features a second homesite already equipped with its own septic system and foundation, making it ready for another residence, rental unit, or guest home. With two septic systems in place, the groundwork is already laid for creating a true multi-home setup. A fenced dog run is also included, and the open land offers plenty of room for horses, livestock, or additional structures. This is a rare chance to own a move-in-ready (with final touches pending) home on acreage with built-in expansion potential.

390 Sparkmantown Rd, Rock Island

$109,500

1 Beds ⋅ 1 Baths ⋅ 3112290 MLS ⋅ ACTIVE Status ⋅ 0.56 Acres ⋅ 38581 Zip Code

Motivated seller—bring your offer and make this one yours! Cozy and charming 1-bedroom, 1-bath home with a brand new deck situated on just over half an acre of unrestricted land with a beautiful view! Recently refreshed with new flooring, resealed roof, and fresh paint, this move-in-ready home offers peaceful surroundings and plenty of room to expand or make it your own. Conveniently located just minutes from Rock Island State Park, the Caney Fork River, Rocky River and other scenic outdoor destinations—perfect for nature lovers and adventure seekers. Ideal as a full-time residence, weekend retreat, or investment opportunity.

280 Bone Cave Rd, Rock Island

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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.

38581 Homes under $400,000

Newest 38581 Homes under $400,000

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