Polk County Homes under $500,000

Polk County Homes under $500,000

Welcome to Polk County, Tennessee – a hidden gem nestled in the heart of the Appalachian region. Known for its breathtaking natural beauty, this county is bordered by the stunning Cherokee National Forest and is home to the picturesque Ocoee River, making it a paradise for outdoor enthusiasts. With a rich tapestry of history, vibrant communities, and a welcoming atmosphere, Polk County offers the perfect blend of rural charm and modern amenities.

For those seeking a home in this idyllic setting, Polk County presents an exceptional opportunity with a variety of properties available for under $500,000. Whether you’re looking for a cozy cottage tucked away in the woods, a charming farmhouse with sprawling land, or a contemporary home with all the modern conveniences, there’s something for everyone. The real estate market here is diverse, catering to families, retirees, and first-time homebuyers alike.

Imagine waking up to the serene sounds of nature, with hiking trails and fishing spots just moments from your doorstep. The local communities are friendly and tight-knit, offering a wealth of activities, from farmers' markets to seasonal festivals. With affordable housing options, Polk County is not only a great place to live but also a smart investment for your future.

Discover the beauty and tranquility of Polk County, TN, where your dream home awaits at an accessible price. Come explore the possibilities and make this enchanting area your new home!

Newest Polk County Homes under $500,000

1699 Childers Creek Rd, Reliance
$439,900
2 Beds ⋅ 1 Baths ⋅ 1357685 MLS
Nestled on 8.2 beautiful acres in a peaceful country setting just minutes from the Hiwassee River this charming and spacious 2-bedroom, 1-bath ranch-style cabin offers comfort, character, and plenty of potential. The full basement provides valuable additional space, including a finished climate-controlled room that can be tailored to fit your needs. Whether for a hobby room, storage, or personal retreat. A wood-burning heater adds warmth and rustic charm, creating a cozy and inviting atmosphere. Numerous recent updates add comfort and peace of mind, including a new high-efficiency heat pump in 2024 and a new hot water heater. The private well is equipped with a UV water treatment system, recently serviced in August 2026. A Generac generator with a 500-gallon tank provides dependable backup power. Step outside and discover even more possibilities! The impressive 40x60 steel-framed pole barn offers abundant space for equipment, storage, projects, hobbies, or whatever your needs may be. In a separate area of the property, you'll find four ''custom-fabricated'' 20x20 stalls with hay storage, offering excellent space for horses, goats, livestock, or other farm animals. Additional outdoor features include multiple outbuildings, storage areas, a chicken coop, greenhouse, and a newly built covered patio area perfect for relaxing and enjoying the peaceful surroundings. With 8.2 acres, no restrictions, a private well, underground utilities, backup generator, large pole barn, separate livestock stalls, and plenty of room for animals, gardening, recreation, and hobbies, this property offers the freedom and flexibility to create the country lifestyle you've been looking for. Whether you're looking for a homestead, hobby farm, mini-farm, or peaceful country retreat, this property has so much to offer. Come see all the possibilities for yourself. This one is truly a must-see! Buyer to verify all information deemed important to the buyer.

1699 Childers Creek Rd, Reliance
159 Mila Mae, Ocoee
$415,000
4 Beds ⋅ 3 Baths ⋅ 1357624 MLS
Welcome to this beautiful new construction home in Ocoee, offering 4 bedrooms, 2.5 bathrooms, and approximately 2,500 square feet of thoughtfully designed living space. With modern finishes, an open layout, and plenty of room to spread out, this home offers a great combination of comfort and functionality. The main level features a spacious primary suite with a walk-in closet and a large private bathroom complete with a double vanity. The kitchen is equipped with stainless steel appliances and provides plenty of space for cooking, dining, and gathering with family and friends. Just off the main living areas, you'll also find a convenient laundry room and half bathroom. The living room feels bright and open with high ceilings and a fireplace that creates a welcoming focal point. Upstairs are three additional bedrooms and a full bathroom, along with a bonus room that gives you even more flexibility. Use it as a home office, playroom, extra storage space, or whatever best fits your needs. Outside, the covered back deck gives you a comfortable place to relax and enjoy the surroundings, while the two-car garage provides additional parking and storage space. One of the highlights of this home is its Ocoee location, putting you close to some of Southeast Tennessee's best outdoor recreation. Spend your weekends boating, fishing, hiking, rafting, or camping with the Cherokee National Forest, Parksville Lake, the Ocoee River, and the Hiwassee River all just minutes away. Please note that there is currently no propane tank on the property. The buyer will be responsible for purchasing their own propane tank if desired.

159 Mila Mae, Ocoee
177 Lifestyle Way, Benton
$332,000
3 Beds ⋅ 2 Baths ⋅ 1357041 MLS
Enjoy peaceful East Tennessee living in this beautifully maintained, like-new **3-bedroom, 2-bath home situated on 5.06 scenic acres** with gorgeous seasonal mountain views. Surrounded by nature and offering plenty of privacy, this move-in-ready property even features an **established walking trail throughout the acreage**, perfect for enjoying a quiet morning walk or exploring your own backyard. Inside, you'll find a bright and welcoming **open-concept floor plan** designed for comfortable everyday living and entertaining. Energy-efficient windows fill the home with natural light while helping with year-round efficiency, and **high-speed internet** makes working from home, streaming, and staying connected easy. Step outside and discover plenty of room to garden, entertain, enjoy outdoor recreation, or simply relax and take in the peaceful surroundings. **Storage sheds are included**, providing convenient additional space for lawn equipment, tools, outdoor gear, and more. Outdoor enthusiasts will love the location! A **boat marina is approximately 10-15 minutes away**, and you're conveniently located near the **Ocoee River, Benton Falls, Cherokee National Forest, Chilhowee Mountain recreation areas, and the Hiwassee River Gorge**. Hiking, rafting, boating, fishing, and countless outdoor adventures are all within easy reach. With **5.06 acres, mountain views, privacy, modern conveniences, and easy access to some of East Tennessee's best outdoor recreation**, this property offers the perfect combination of country living and adventure.

177 Lifestyle Way, Benton
316 Circle R Drive, Benton
$350,000
3 Beds ⋅ 2 Baths ⋅ 1357012 MLS
Discover riverfront living on the Ocoee River! This 3 bedroom, 2 bathroom home sits on over half an acre and offers a neighborhood boat ramp for easy access to the river. Inside, the open layout features a split bedroom design, stainless steel kitchen appliances, oak cabinetry, and a built in pantry. A small gas fireplace adds a cozy touch during the cooler months. Step outside to the covered back porch overlooking the fenced in backyard, creating a great space to relax and enjoy the peaceful surroundings along with a seating area at the riverbank. With river access, no HOA, and a comfortable, functional layout, this property offers a wonderful opportunity to enjoy the Ocoee River lifestyle.

316 Circle R Drive, Benton
135 Brewer Rd, Old Fort
$399,000
3 Beds ⋅ 2 Baths ⋅ 1352874 MLS
Come let your soul reprieve at this beautiful 3-bedroom, 2-bath log home on 2.8 peaceful, wooded acres in Old Fort. Privately situated on a corner lot, this home offers rustic charm with room to spread out. The main level features one bedroom and full bath, while upstairs you'll find two additional bedrooms connected by a Jack-and-Jill bath, plus a versatile loft. Hardwood floors, a stone fireplace, and skylights bring warmth and character inside. Recent improvements include crawl-space encapsulation with vapor barrier, an updated downstairs bathroom with new subfloor and tile flooring, plumbing and electrical repairs, fresh bathroom paint, and a new living room ceiling fan. Outside, enjoy a spacious back deck with built-in seating and an outdoor fireplace overlooking the pond. The 2.8-acre property also includes a 34x35 barn with concrete floor, storage shed, well house with pump, and partial fencing. No restrictions and Spectrum fiber internet available. Convenient to Cleveland, Benton, and Parksville Lake. If you're looking for privacy, character, and a little breathing room, this one is worth a look..

135 Brewer Rd, Old Fort
150 Patty Rd, Benton
$234,900
3 Beds ⋅ 1 Baths ⋅ 1352294 MLS
'SELLER INCENTIVE'' Seller is offering a Base Plan home warranty valued up to $575 with an acceptable offer. Welcome home to this well-maintained and updated 3-bedroom, 1-bath home offering just under 1,400 sq. ft. of comfortable living space on just over one-third of an acre. Featuring a 1-car garage and a fenced backyard, this home offers plenty of space both inside and out. Numerous improvements have been made over the years, including updated flooring, kitchen countertops and cabinetry, replacement windows, updated bathroom finishes, crawlspace improvements and insulation, gutters and downspouts, garage roof and door improvements, and a newer HVAC system. Enjoy outdoor living from the covered front porch or the spacious 12x12 rear deck overlooking the fenced backyard. Conveniently located near shopping, dining, schools, and everyday amenities, this move-in-ready home has been well cared for and is ready for its next owner. Schedule your private showing today and come see everything this home has to offer!

150 Patty Rd, Benton
150 Larry Lynch Drive, Delano
$159,999
3 Beds ⋅ 3 Baths ⋅ 1350565 MLS
This home has a great view of the mountains and just needs some love to bring back its historic southern charm as a farmhouse style home. it has a double attached carport on concrete slab. All info such as sqft should be verified. Large front yard lined with evergreen trees for privacy from the roadway. The home has both a well and public water.

150 Larry Lynch Drive, Delano
135 Central Ave, Benton
$315,000
3 Beds ⋅ 2 Baths ⋅ 1350234 MLS
Two parcels for quiet peaceful living with numerous opportunities for nearby recreational activities at the beautiful Hiwassee, Ocoee and Tellico Rivers and the Cherokee National Forest. You're within minutes of hiking, fly fishing, tubing, kayaking and white-water rafting. You can always stay at home with the large front porch or back deck. Used as an Air BNB with a Super Host (5 Star) rating this beautifully maintained home features a spacious primary suite with a dual vanity, tub and step in shower. The vaulted ceiling, open concept living area gives a sense of roomy versatility to the home. The garage has extra room for a workshop or storage and a covered side area for a boat or other needs. High speed internet and cable are available through Xfinity. Furnishings are negotiable.

135 Central Ave, Benton
128 Lifestyle Way, Benton
$275,000
5 Beds ⋅ 3 Baths ⋅ 1349469 MLS
Beautiful views! 5 bed 3 bath, open kitchen, soaker tub and country living. You don't want to miss this!

128 Lifestyle Way, Benton
336 Carruth Rd, Turtletown
$350,000
1 Beds ⋅ 1 Baths ⋅ 1348316 MLS
ALL REASONABLE OFFERS CONSIDERED! No restrictions. Discover the perfect blend of beauty, usability, and opportunity with this stunning 10.51-acre property featuring gently rolling terrain and breathtaking views of the Southern Appalachian Mountains and a rocky creek across the road. Mostly cleared with a dozen select mature trees, this land offers an ideal canvas for your dream home, homestead, family compound, or future development. The property includes a newly constructed 1-bedroom, 1 full bathroom living space offering approximately 810 square feet, already equipped with electrical boxes, septic and plumbing stubbed out, and ready for your finishing touches and personal design vision. Framed with 6 x 2 foot lumber. Polished concrete slab, and spray foam insulated exterior walls/ceiling. Framed in storage space or loft space above part of the building with electrical boxes in place. High ceilings in the garage and living room/kitchen. Enjoy the peaceful setting with a quiet rocky creek just across the road, creating a serene mountain atmosphere and wildlife attraction while still offering practical conveniences and easy access to the main road. Public water and electric are available at the road, and a survey plat is on record for added peace of mind. Whether you're looking to build your dream home immediately, establish a private retreat, start a homestead, or explore divide potential, this versatile property offers endless possibilities in an exceptional setting. Bring us your best offer.

336 Carruth Rd, Turtletown
200 Memory Lane, Benton
$468,000
3 Beds ⋅ 3 Baths ⋅ 1347960 MLS
For more than a century, this home has been part of Polk County's story. Now, it's ready to be part of yours. Built in 1916, this stately Victorian was once the centerpiece of a 600-acre cattle farm and has spent more than a century evolving from a cherished family home to a bed and breakfast, a successful Airbnb, and once again a private residence. Offering 2,494 square feet, this home features 3 bedrooms, 2.5 baths, fire place and spacious covered porches invite you to slow down and enjoy the view. The outdoor patio with a custom brick oven sets the stage for memorable gatherings. Set on 3.75 irelevel acres, nearly half wooded, with Pell Creek forming the rear boundary, the setting offers both privacy and natural beauty. Conveniently located just off Highway 411 in Benton, you're minutes from the Ocoee and Hiwassee Rivers, Chilhowee Mountain, and the Cherokee National Forest, placing rafting, fishing, hiking, and endless outdoor recreation. Whether you're searching for a distinctive primary residence, a weekend retreat, or a property with hospitality potential, this historic home offers a rare opportunity to write the next chapter of its remarkable story.

200 Memory Lane, Benton
150 Morning Dunn Drive, Reliance
$444,000
4 Beds ⋅ 2 Baths ⋅ 1347920 MLS
ALL REASONABLE OFFERS CONSIDERED! Two Homes. Riverfront Property. Endless Possibilities. Discover the unique opportunity to own two charming cabins, both built in 1999, situated along the peaceful Hiwassee River. Each cabin features 2 bedrooms, 1 bathroom, and a spacious deck overlooking the serene backyard and river, creating a wonderful setting for relaxing, entertaining, or enjoying the surrounding natural beauty. The property offers approximately 109.79 feet of Hiwassee River frontage, providing direct access to some of the area's most enjoyable outdoor activities. Whether you're an avid fly-fisherman, hunter, kayaker, or simply someone who appreciates waterfront living, this location puts recreation right outside your door. The two cabins offer excellent potential for updating, remodeling, and generating rental income, making this property an appealing opportunity for an investor, multi-generational arrangement, weekend retreat, or buyer looking for additional income potential. With two separate homes on one riverfront property, the possibilities are numerous. Surrounding properties have been thoughtfully updated and maintained, adding to the picturesque setting and enhancing the appeal of this beautiful riverfront location. Additional features include a survey plat on record and a new water filtration system installed in 2025.

150 Morning Dunn Drive, Reliance
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