38581 Homes under $700,000

Welcome to the charming community of Rock Island, Tennessee, nestled in the heart of the scenic 38581 zip code! Known for its breathtaking natural beauty, this area is a hidden gem that offers a perfect blend of tranquility and convenience. Surrounded by lush landscapes and picturesque views, Rock Island is a haven for nature lovers and outdoor enthusiasts alike.

In the 38581 area, you’ll find a delightful array of homes under $700,000, making it an attractive destination for families, first-time homebuyers, and those looking to downsize. Whether you’re searching for a cozy cottage, a spacious family home, or a serene retreat, Rock Island has something to suit every taste and budget. With modern amenities and charming architectural styles, these homes provide both comfort and style.

Residents of Rock Island enjoy a close-knit community feel, with local shops, parks, and recreational activities just a stone’s throw away. The nearby Rock Island State Park is a must-visit, offering stunning waterfalls, hiking trails, and opportunities for fishing and camping. Imagine spending your weekends exploring the great outdoors or relaxing by the water, all within easy reach of your new home!

With its affordable housing options and vibrant community spirit, the 38581 zip code is not just a place to live; it's a lifestyle. Come discover the beauty of Rock Island, where your dream home awaits! Whether you’re ready to buy or just exploring your options, let us help you find the perfect property in this enchanting area.

Newest 38581 Homes under $700,000

$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

$219,800

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

Offering $3,500 towards closing costs. 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

$334,000

3 Beds ⋅ 1 Baths ⋅ 3298044 MLS ⋅ ACTIVE Status ⋅ 1 Acres ⋅ 38581 Zip Code

Fall Special: 1% Preferred Lender Credit to Buyer!!! Private Countryside views on 1 acre. No Restrictions Escape to the country and enjoy the peace and privacy this charming 3-bedroom, 1-bath brick home offers on 1 beautiful acre surrounded by mature trees. With approximately 1,600 square feet, this property provides plenty of room to make it your own while offering the space and freedom that can be hard to find. Property will be surveyed soon.

373 Hatch Rd, Rock Island

$679,900

4 Beds ⋅ 4 Baths ⋅ 3261389 MLS ⋅ ACTIVE Status ⋅ 2.7 Acres ⋅ 38581 Zip Code

Beautifully maintained and move-in ready.This stunning 4-bedroom, 3.5 home offers over 4,000 square feet of thoughtfully designed living space on 2.7 peaceful acres. The main level features beautiful hardwood floors, custom-built cabinetry, a spacious primary suite with a large ensuite bath, and a bright sunroom perfect for relaxing year-round.The fully renovated walk-out basement includes a full kitchen, new flooring, fresh paint, and a gas stove, making it an ideal in-law suite, apartment, or multi-generational living space. Gas fireplaces on both the main level and downstairs create a warm, inviting atmosphere throughout the home.Additional features include an oversized 2-car garage, a floored attic offering abundant storage or future expansion potential, and an HVAC system that has been professionally serviced every six months for added peace of mind.Outside, you'll find a 30' x 40' shop with electricity, ample storage, and an approximately 10' x 40' lean-to—perfect for hobbies, equipment, or additional workspace.Conveniently located just minutes from Rock Island State Park and a little over 30 minutes from Cookeville, this exceptional property offers the perfect combination of space, comfort, and convenience. This show-stopping home is truly one you don't want to miss!

4007 Old Rock Island Rd, 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!

118 Bone Cave Rd, Rock Island

$299,900

4 Beds ⋅ 2 Baths ⋅ 3243145 MLS ⋅ ACTIVE 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

$559,900

4 Beds ⋅ 3 Baths ⋅ 3221050 MLS ⋅ ACTIVE Status ⋅ 6.48 Acres ⋅ 38581 Zip Code

Tucked away on 6.48 scenic acres in the heart of the Midway Community, situated in Warren County, Tennessee. This beautifully maintained brick home offers an exceptional blend of privacy, comfort, and functional country living. Surrounded by Tennessee countryside, this property welcomes you with expansive outdoor space, mature rural scenery, and endless possibilities for development, recreation, gardening, or creating your own mini farm. Built in 1999, this home features over 2,700 square feet of living space including a fully finished basement, giving flexibility for additional entertaining areas, guest quarters, hobby space, or a media/game room. This thoughtfully designed layout offers low-maintenance living along with a timeless appeal. Inside, you will find an abundance of space with 3 bedrooms and 2 bathrooms on the main floor, featuring an open layout between the living room and kitchen to accommodate guests. Step outside to enjoy morning coffee on the porch or quiet evenings overlooking the beautiful acreage. For those seeking storage, workspace, or room for equipment or recreational vehicles, this property is exceptionally furnished with a large, attached garage, oversized finished carport, detached garage, and an implement shed. Whether you are a hobbyist, outdoor enthusiast, or looking for room to grow, this property delivers versatility rarely offered at this price point. Conveniently located near Rock Island State Park and just a short drive to McMinnville, this property offers the tranquility of country living without sacrificing accessibility to nearby amenities, with Renea's kitchen in Midway just minutes away. Experience the space, freedom, and lifestyle that make Tennessee living so special.

2465 Bybee Chapel 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

$574,999

3 Beds ⋅ 3 Baths ⋅ 3178583 MLS ⋅ ACTIVE Status ⋅ 5.82 Acres ⋅ 38581 Zip Code

Set in a beautiful countryside setting in Rock Island on 5.82 acres, this 3 bedroom, 3 bath home offers the space, functionality, and flexibility that’s getting hard to find. Inside, the home is full of character and warmth, featuring exposed wood beams, rich wood flooring, and a spacious living area centered around a brick fireplace. The layout flows naturally into the kitchen and dining area, with granite countertops, updated finishes, and natural light create a comfortable and inviting space for everyday living. A dedicated office or flex room adds even more versatility for work-from-home or hobby use. Step outside and the property truly separates itself. The land is open and usable, ideal for animals, gardening, or simply enjoying the privacy and wide-open surroundings. A 24x32 barn with cattle head catch is already in place, along with multiple outbuildings for storage and equipment. The 1200 sq ft detached shop building is a standout feature, offering a large garage/workshop area along with a finished interior space that can be used as an office, hobby room, or additional flex space. Whether you’re running a business, working from home, or just need room to spread out, this setup gives you options. For those looking toward a more self-sufficient lifestyle, the property also includes a greenhouse and a dedicated chicken coop, creating a strong foundation for a true mini farm setup. A large 4-car carport provides ample covered parking, and the overall layout of the property allows for easy access and functionality throughout. Enjoy peaceful views of a scenic pond just across the road, adding to the setting without the upkeep. If you’ve been searching for a property that combines comfortable living, usable land, and the ability to truly live the country lifestyle, this one delivers. Many upgrades and additions have been made to this home. The waterline from road to home has been replaced as well as new plumbing throughout. HVAC is approximately 5.

1435 Hennessee Bridge Rd, Rock Island

$499,889

3 Beds ⋅ 3 Baths ⋅ 3166563 MLS ⋅ ACTIVE Status ⋅ 0.5 Acres ⋅ 38581 Zip Code

Bring ALL OFFERS! <> Great OPPORTUNITY to purchase very Customized HOME below 2024 Appraisal!! Charming 2024 MODERN COTTAGE! <> MOVE-IN READY! Peaceful. Quiet. Local traffic. NO HOA fees. Just the quiet beauty of Tennessee at Collins River. Less than an hour to Murfreesboro or 1-1/2 hours from Nashville & Chattanooga. 10 minutes to McMinnville; 8 minutes to Rock Island State Park. Never lived in! One-year New Home Warranty! Step inside to custom craftsmanship and thoughtful, upgraded features throughout—from locally sourced White Oak hardwood floors and custom cabinetry to quartz countertops and spa-inspired tiled showers. Every detail was thoughtfully designed to create a home that's as beautiful as it is comfortable. But what truly makes this property special is something you don't often find... A NEW (May 2026) detached 20'W × 24'D x 10' H insulated Flex Space (Garage / Workshop). What would you do with it? 🎨 Set up as a Music / RECORDING Studio; Design an art / craft Studio? 🚤 Store your BOAT? 🏋️ Create your dream HOME GYM? 🪚 Build the WOODWORKING SHOP you've always wanted? 💼 Run your SMALL BUSINESS from home? 🚗 Protect your CLASSIC CAR collection? 🎮 Build the ultimate GAME ROOM or GOLF SIMULATOR? It's more than a workshop or garage. It's the freedom to create the lifestyle you've always imagined. <> Located on a beautiful half-acre along the Collins River, this 2024 built custom home offers the peace of country living while remaining just minutes from shopping, restaurants, schools, and medical facilities. One-year warranty. ***Note: Some photos are digitally enhanced for inspiration! Investors: Great for Short- or Long-Term Rentals! Owner/Agent

156 Collins River Dr, 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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