Center Hill Lake Homes under $400,000

Welcome to Center Hill Lake, a hidden gem nestled in the heart of DeKalb County, Tennessee, just a stone's throw from the charming city of Smithville. This picturesque subdivision offers a unique blend of serene lakeside living and vibrant community spirit, making it the perfect place to call home.

Center Hill Lake is renowned for its stunning natural beauty, with shimmering waters and lush, rolling hills that create a breathtaking backdrop for outdoor enthusiasts and nature lovers alike. Whether you enjoy boating, fishing, or simply soaking up the sun on the shore, this idyllic setting promises a lifestyle of relaxation and adventure.

For those seeking affordable yet charming homes, Center Hill Lake does not disappoint. The subdivision features a variety of properties priced under $400,000, offering an incredible opportunity for first-time buyers, families, or anyone looking to downsize without compromising on quality. These homes boast modern designs, spacious layouts, and often come with beautiful views of the lake or surrounding landscapes.

Imagine waking up each morning to the gentle sounds of nature and having access to a wealth of recreational activities right at your doorstep. With a strong sense of community, friendly neighbors, and a host of local amenities in nearby Smithville, Center Hill Lake is more than just a place to live—it's a lifestyle.

Explore the possibilities that await you in this enchanting subdivision, where your dream home is just a heartbeat away. Come discover why Center Hill Lake is the perfect place to create lasting memories!

Newest Center Hill Lake Homes under $400,000

$339,000

3 Beds ⋅ 2 Baths ⋅ 3306266 MLS ⋅ ACTIVE Status ⋅ 1.26 Acres ⋅ 37166 Zip Code

Escape to Center Hill in this private cabin retreat tucked away on three lots totaling 1.26 acres. Located behind a private gate, this FULLY FURNISHED 3 bedroom, 2 bath property offers rare privacy, security, and the peaceful feeling of being surrounded by nature, with the property backing up to unspoiled U.S. Army Corps of Engineers lakefront land. With its elevated setting and wooded backdrop, it truly feels like your own tree house retreat near the lake. Inside, the home offers open living spaces filled with warmth and character, along with a charming vintage cabin feel that makes it instantly inviting. Outside, the double wraparound covered decks create the perfect place to relax, entertain, and enjoy the quiet surroundings in every season. A fire pit adds even more outdoor appeal for cozy evenings after a day on the lake. This property is ideally located less than 2 miles from Holmes Creek Recreation Area, offering convenient access to a boat launch, and is also only minutes from Hidden Harbor Marina and historic downtown Smithville. Known for its scenic beauty and recreational lifestyle, Center Hill Lake is one of Middle Tennessee’s favorite destinations for boating, fishing, kayaking, and weekend escapes. Whether you are looking for a full-time residence, weekend getaway, or investment property, this unique cabin offers privacy, character, and an unbeatable location near everything that makes Center Hill Lake so special.

510 Wilson Dr, Smithville

$279,000

3 Beds ⋅ 2 Baths ⋅ 3297851 MLS ⋅ ACTIVE Status ⋅ 0.65 Acres ⋅ 37166 Zip Code

NEW PRICE — $279,000! Discover the perfect combination of everyday comfort and lake-area recreation at 455 Old Pinhook Road! Located approximately 300 yards from a public boat launch and just 2.2 miles from Pates Ford Marina on beautiful Center Hill Lake. This updated two-story home features a refreshed kitchen with new appliances, two full bathrooms, a finished office/flex room, and an upstairs primary suite with its own private deck. Enjoy outdoor living with a 12×24 above-ground pool and deck, a spacious 15×30 covered fire-pit area, and a convenient drive-through driveway. Additional partially finished garage space provides excellent potential for a workshop, hobby area, or storage. Situated on approximately 0.65 acres, this property offers a wonderful opportunity for a full-time residence or weekend lake retreat!

455 Old Pinhook Rd, Smithville

$169,000

2 Beds ⋅ 1 Baths ⋅ 3220848 MLS ⋅ ACTIVE Status ⋅ 1.06 Acres ⋅ 37166 Zip Code

Escape to Center Hill with this unique 1.06-acre property just ONE minute from FishLipz Resort & Grill at Pates Ford Marina. Offering a flexible setup near Center Hill Lake, this property is well-suited for recreation, storage, utility use, or future possibilities. The property includes a 14x56, two bedroom, one bath 1992 mobile home currently used as a laundry facility. It could continue serving that purpose or be adapted for storage, office space, guest use, or other functional needs. A standout feature is the 30x40 covered pavilion (built in 2024), offering a large open-air space for events, gatherings, RV or boat storage, equipment storage, or potential enclosure for additional usable space. The size and open design create excellent versatility for personal, recreational, or investment use. The setting is peaceful and wooded, with mature trees and a lake-area feel just one minute from Center Hill Lake. Pates Ford Marina offers convenient access to boating, pontoon rentals, slips, cabin rentals, events, and waterfront fun. FishLipz Resort & Grill adds to the appeal with dining, drinks, seasonal live music, and the laid-back lake atmosphere buyers love. With acreage, a functional mobile home, a large covered pavilion, and close proximity to the marina, this property is ready for its next owner to bring their vision to life.

5682 Pates Ford Rd, Smithville

$349,000

4 Beds ⋅ 2 Baths ⋅ 3220803 MLS ⋅ ACTIVE Status ⋅ 1.2 Acres ⋅ 37166 Zip Code

Escape to Center Hill and enjoy easy lake living in this charming four bedroom, two bath brick ranch just two minutes from FishLipz Resort & Grill at Pates Ford Marina. This turn-key home is being sold fully furnished, making it an ideal full-time residence, weekend getaway, or lake-area retreat. Inside, you’ll find original hardwood floors, comfortable living spaces, and a full basement featuring finished recreation space plus a garage. The outdoor living is just as inviting, with a beautiful yard shaded by mature trees and a large 12x51 covered back deck designed for relaxing, grilling, and entertaining after a day on Center Hill Lake. Pates Ford Marina sits on the southern end of Center Hill Lake and offers convenient access to boating, pontoon rentals, slips, cabin rentals, events, and waterfront fun. FishLipz Resort & Grill is a favorite local stop for dining, drinks, seasonal live music, and the laid-back lake lifestyle buyers come here to enjoy. With furnishings remaining and the lake lifestyle just minutes away, this home is ready for you to start enjoying Center Hill from day one.

5245 Jefferson Rd, Smithville

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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.

Center Hill Lake Homes under $400,000

Newest Center Hill Lake Homes under $400,000

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