Troy Homes under $700,000

Welcome to Troy, North Carolina – a hidden gem nestled in Montgomery County that perfectly balances small-town charm with modern conveniences. Known for its rich history and vibrant community spirit, Troy offers a welcoming atmosphere that makes it an ideal place to call home. Surrounded by the stunning natural beauty of the Uwharrie National Forest, residents enjoy a plethora of outdoor activities, from hiking and fishing to camping and boating.

Troy boasts a delightful downtown area filled with unique shops, local eateries, and community events that bring residents together. The annual Troy Fest and various farmers’ markets showcase the town's commitment to local culture and agriculture, making it a lively hub for both residents and visitors.

For those seeking their dream home in Troy, you’ll be pleased to know that the real estate market offers a variety of options under $700,000. Whether you're looking for a cozy cottage, a spacious family home, or a charming historic property, Troy has something to suit every taste and budget. These homes not only provide ample living space but also come with the added benefit of being close to parks, schools, and local amenities.

With its affordable housing market and friendly community, Troy is a fantastic choice for families, retirees, and anyone looking to enjoy a slower pace of life without sacrificing convenience. Come and explore the possibilities that await you in Troy, where your perfect home is just waiting to be discovered!

Newest Troy Homes under $700,000

$240,000

2 Beds ⋅ 2 Baths ⋅ 1237316 MLS

Discover the possibilities at 230 Sugar Loaf Road! Set on approximately 9.80 acres in the Pointe South area near Lake Tillery, this property offers privacy, rolling terrain, mountain views and room to enjoy the outdoors. The 2-bedroom, 1.5-bath manufactured home features approximately 1,084 heated square feet, a living room, kitchen and separate office for work or hobbies. An electric range, oven, refrigerator, washer and dryer are included. A detached carport provides covered parking, while the workshop offers space for projects, tools, equipment or storage. An installed well and septic system and a heat pump provide daily convenience. Boat ramp access adds to the appeal for those who enjoy the Lake Tillery lifestyle. Whether you envision a full-time home, quiet getaway or acreage to make your own, this property offers space and flexibility in a country setting. Bring your ideas and explore the potential of this home and land, with room to create the retreat you've been searching for.

230 Sugar Loaf Road, Troy

$240,000

2 Beds ⋅ 2 Baths ⋅ 4428969 MLS

Discover the possibilities at 230 Sugar Loaf Road! Situated on approximately 9.80 acres in the Pointe South area, this property offers space, privacy and a peaceful country setting near beautiful Lake Tillery. The rolling landscape and mountain views create an inviting backdrop with plenty of room to enjoy the outdoors, pursue hobbies or simply appreciate having acreage of your own. The property features a 2-bedroom, 1.5-bath manufactured home offering approximately 1,084 square feet of heated living area. Inside, you'll find a living room, kitchen, primary bedroom, additional bedroom, full bath, half bath and a separate office—providing flexibility for working from home, hobbies or additional usable space. The kitchen includes an electric range, oven and refrigerator, and the washer and dryer are also included. Outside, a detached carport provides covered parking, while the workshop offers valuable space for projects, equipment, tools or storage. The property has an installed well and septic system and is served by a heat pump for heating and cooling. For those who love the Lake Tillery lifestyle, access to a boat ramp adds another reason to take a closer look. Whether you're searching for a full-time residence, a peaceful getaway, or acreage with room to make your own, this 9.8-acre property offers an opportunity that's becoming increasingly hard to find. Come explore the space, setting and possibilities.

230 Sugar Loaf Road, Troy

$405,000

3 Beds ⋅ 2 Baths ⋅ 4426178 MLS

Beautiful new construction home located in the desirable gated community of Carolina Forest on Lake Tillery. This thoughtfully designed 3 bedroom 2 bath home offers approximately 1,600 square feet of living space with open concept floor plan, spacious living area, modern kitchen, and attached 2 car garage. The split bedroom layout provides privacy, while the primary suite features and walk in closet and a private bath. Enjoy low maintenance living and access to an impressive list of community amenities, including a waterfront swimming pool overlooking Lake Tillery, clubhouse, basketball courts, tennis courts, playgrounds, walking trails, campground area, and convenient 24/7 community dumpster access. Carolina Forest also offers boat ramp access to Lake Tillery, making it easy to enjoy boating, fishing, and that lake life has to offer. Whether your looking for a primary residence, weekend getaway, or investment property, this move in ready home offers the perfect combination of comfort and convenience community living. Schedule your showing today!

276 Basswood Road Unit #518, Troy

$138,900

2 Beds ⋅ 1 Baths ⋅ 1235579 MLS

Nestled beneath beautiful mature shade trees on a spacious 1-acre lot, this charming 1935 bungalow offers the character of an older home along with a comfortable, functional floor plan. With approximately 1,231 square feet, the home features two bedrooms, one full bath, living room, den, dining area and kitchen, all conveniently located on one level. A screened porch provides a wonderful spot to relax and enjoy the peaceful outdoor setting. The generous homesite provides plenty of room to enjoy the outdoors, garden or simply unwind beneath the established trees, while a detached storage building offers additional space for lawn equipment, tools and outdoor belongings. A gravel driveway provides off-street parking, while city water and an installed septic system serve the property. With its classic bungalow appeal, mature landscape, screened porch, storage building and full acre of land, this property offers a wonderful opportunity to make it your own.

148 Oscar Road, Troy

$138,900

2 Beds ⋅ 1 Baths ⋅ 4424468 MLS

Nestled beneath beautiful mature shade trees on a spacious 1-acre lot, this charming 1935 bungalow offers the character of an older home along with a comfortable, functional floor plan. With approximately 1,231 square feet, the home features two bedrooms, one full bath, living room, den, dining area and kitchen, all conveniently located on one level. A screened porch provides a wonderful spot to relax and enjoy the peaceful outdoor setting. The generous homesite provides plenty of room to enjoy the outdoors, garden or simply unwind beneath the established trees, while a detached storage building offers additional space for lawn equipment, tools and outdoor belongings. A gravel driveway provides off-street parking, while city water and an installed septic system serve the property. Conveniently located near Troy while offering the space and setting of a larger homesite. With its classic bungalow appeal, mature landscape, screened porch, storage building and full acre of land, this property offers a wonderful opportunity to make it your own.

148 Oscar Road, Troy

$525,000

3 Beds ⋅ 2 Baths ⋅ 4423126 MLS

Escape to your own private retreat with this custom-built brick 3-bedroom, 2-bath home nestled on a manageable 16+/- acres. The inviting interior features a stunning rock fireplace that creates a warm, rustic focal point for the living space. It's open floor plan is perfect for entertaining and enjoying your family time. Outdoors, the possibilities are endless. Explore your own private forest, enjoy peaceful afternoons by the spring feed 3+/- acre pond, or take advantage of the tractor bard for equipment and storage. Do enthusiasts will appreciate the dedicated dog kennels already in place. Whether you're searching for a private homestead, hunting property or a peaceful country escape, this one-of-a-kind property combines natural beauty, functionality, and endless opportunity. Schedule your private showing today! Originally marketed as 107+/- acres but new listing now reflects adjusted acreage of approximately 16 acres with a new survey & map to be completed prior to closing.

1910 Nc Hwy 134 N Highway, Troy

$249,000

3 Beds ⋅ 2 Baths ⋅ 4418511 MLS

Step back in time with this sweet 1944 cottage, offering 1,510 square feet of character and charm on 2 parcels totaling 1.73 acres. Beautiful hardwood floors add warmth and timeless appeal, while modern convenience comes with fiber internet already installed. Located within the city limits, this property offers the added benefit of city services while still providing plenty of land to enjoy. A charming home with room to make it your own, this one offers a wonderful blend of vintage character, acreage, and convenience. Don’t let this little gem slip away!

181 Williamson Street, Troy

$189,000

1 Beds ⋅ 1 Baths ⋅ 4412823 MLS

Tiny Farmhouse Charm, Brand-New Construction! Small in size, big on charm! This adorable new-construction tiny farmhouse offers thoughtful design and comfortable living without the excess. Enjoy relaxing on the covered front porch or head to the covered rear porch, complete with a screened area and ceiling fans, perfect for enjoying the outdoors in comfort. Inside, the open layout features an dine-in bar that makes meals and entertaining easy. A bonus room with a convenient laundry closet adds flexible space and functionality. Situated on a corner lot and Energy Efficiency Certified, this little farmhouse is designed for easy, efficient living. Tiny footprint. Big personality. Brand-new and ready to call home!

202 W Roswell Street, Troy

$159,000

1 Beds ⋅ 1 Baths ⋅ 4412819 MLS

Tiny but Mighty! Small in size, big on efficiency and charm! This 500-square-foot tiny house is thoughtfully designed to make the most of every inch while offering low-maintenance living and impressive energy efficiency. With it's certified energy efficiency & 15-year maintenance free construction, this home is built for easy living and long-term peace of mind. The beautifully landscaped grounds add to its curb appeal and create a welcoming outdoor space. Perfect for those looking to simplify, downsize, enjoy a low-maintenance lifestyle, or own a unique investment property. Tiny footprint. Mighty possibilities.

619 Railroad Avenue, Troy

$459,900

3 Beds ⋅ 2 Baths ⋅ 4409845 MLS

Located outside UWHARRIE!! 2021 modular home on an expansive 3.25 acres (2 lots) Bring your ATVS or horses and discover rolling low -lying ridge, trails, and rich historical sites on over 50,000 protected acres. Located up on a private lot off of highway 109N. This peaceful secluded 3-bedroom, 2-bathroom home has room to grow and is located in an excellent location close to downtown. Lots of upgrades, granite, plank flooring, huge custom shower, archways and stonework. Partially fenced back yard for your pets. Sit on your new oversized deck or front porch and enjoy the serenity.

2910 Nc Highway 109 N Highway, Troy

$249,000

3 Beds ⋅ 2 Baths ⋅ 4406442 MLS

This 1920's elegant farmhouse features a classic architectural style with a wrap around front porch. Vintage charm...lots of character....hardwood floors, updated kitchen & bathrooms. Additional building can allow for storage, work shop or recreation. Spacious back deck perfect for outdoor entertaining & enjoying the sun shine. Convenient location within a few short miles of the Uwharrie National Forest.

130 Shiloh Road, Troy

$145,000

2 Beds ⋅ 1 Baths ⋅ 4393743 MLS

Nestled among mature hardwoods in the community of Holiday Shores, this charming approximately 12' x 57' manufactured home offers an affordable opportunity to enjoy the Lake Tillery lifestyle. From the back porch, you'll enjoy seasonal views of Lake Tillery that become even more impressive during the winter months, providing a tranquil setting for morning coffee or relaxing evenings surrounded by nature. Inside, the inviting open floor plan creates a comfortable flow between the living, dining, and kitchen areas, making the home feel open and welcoming. Offering 2 bedrooms and 1 full bath, this versatile property is ideal as a full-time residence, weekend getaway, or income-producing investment. Being sold partially furnished, it presents an excellent opportunity for those seeking a vacation retreat, long-term rental, or potential short-term rental property. Surrounded by beautiful trees and natural scenery, you'll appreciate the privacy and peaceful atmosphere while still being just minutes from boating, fishing, waterfront dining, and all the recreation Lake Tillery has to offer. Whether you're searching for a quiet retreat, an affordable lake-area home, or a property with investment potential, this hidden gem is well worth a look.

175 Elmwood Drive, Troy

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Listings provided courtesy of Triangle MLS, Inc. of NC, Internet Data Exchange Database. Information deemed reliable but not guaranteed. © 2026 Triangle MLS, Inc. of North Carolina. Data last updated .

Troy Homes under $700,000

Newest Troy Homes under $700,000

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