Clay County Homes under $700,000

Welcome to Clay County, North Carolina—a hidden gem nestled in the majestic Blue Ridge Mountains. Known for its stunning natural beauty, this charming county is a haven for outdoor enthusiasts and those seeking a tranquil lifestyle. Hayesville, the county seat, offers a delightful blend of small-town charm and modern conveniences, making it an ideal place to call home.

Clay County is renowned for its breathtaking landscapes, including pristine lakes, rolling hills, and lush forests. Whether you enjoy hiking, fishing, or simply soaking in the serene views, the abundant outdoor activities will keep you captivated year-round. The county’s rich history is reflected in its quaint downtown area, where you’ll find unique shops, local eateries, and friendly faces that make you feel right at home.

For those looking to settle in this picturesque region, there are numerous homes available under $700,000, providing excellent opportunities for both first-time buyers and seasoned investors. These properties range from cozy cabins with mountain views to charming family homes, each offering a unique touch of character and warmth. With a variety of options to suit different tastes and lifestyles, you can find the perfect place to create lasting memories.

Living in Clay County means embracing a slower pace of life while still enjoying easy access to modern amenities. With its stunning scenery, welcoming community, and affordable housing options, Clay County is the perfect place to find your dream home. Come explore all that this beautiful area has to offer—your ideal mountain retreat awaits!

Newest Clay County Homes under $700,000

$679,000

3 Beds ⋅ 3 Baths ⋅ 4433332 MLS

Deeded lake access. Nestled in a serene lakeside setting, this beautifully updated brick and wood ranch-style home combines modern comfort with rustic charm and offers breathtaking lake views from a private, peaceful setting. The open floor plan creates a seamless flow between the living, dining, and kitchen areas, making the home equally well suited to entertaining and to simply enjoying the quiet surroundings. The kitchen is designed for both function and style, featuring appliances, elegant cabinetry, and ample counter space for everyday meals and gatherings with family and friends. The residence offers three spacious bedrooms and two well-appointed bathrooms, providing comfort and privacy for family and guests alike. An uncovered front porch welcomes you with charming curb appeal, while the large covered and screened-in rear porch invites you to relax, entertain, and take in the natural beauty of the property throughout the day. Adding to the home's versatility, an attached second living quarters includes a private bedroom, a full kitchen, a great room, and laundry, making it ideal for guests, extended family, or potential rental income. Thoughtfully updated and exceptionally flexible, this lakeside ranch brings together scenic views, comfortable main-house living, and a separate quarters arrangement, all complemented by the rare advantage of deeded lake access for an uncompromised lakeside lifestyle close to the water and the everyday pleasures of lake living. A welcoming home with room to gather, relax, and enjoy the lake year round. Step outside and enjoy the view.

128 Cardinal Lane, Hayesville

$349,000

3 Beds ⋅ 3 Baths ⋅ 4419921 MLS

Newly remodeled in 2026 this 3 BR/2.5 bath home with a full basement located in the quaint small town of Hayesville, NC located less than 1 mile from Lake Chatuge (as a crow would fly). 1 car garage in basement, pull thru drive New cabinets, granite countertops, laminate floor, 6 panel doors through out the interior, 2 full baths on main level, 1/2 bath in basement. Basement could be finished to double the square footage, all new appliances and HVAC System, wrap around porch on 2 sides with 46 ft of the deck covered on the front, New metal roof. Property can be accessed from McDonald Rd. or McDonald Overlook Dr.

1124 Mcdonald Road, Hayesville

$320,000

2 Beds ⋅ 2 Baths ⋅ 4425905 MLS

Welcome to this beautifully maintained cottage build in2023.Enjoy one-level living. The bright and open floor plan features granite countertops, stainless steel appliances, custom shades and garage for parking and storage.Relax on the front porch while taking in peaceful mountain surroundings and sunset views. The landscaped property offers privacy and convenience, just minutes from local dining, breweries, shopping and outdoor recreation and beauitful Lake Chatuge for boating or hiking on many trails.You will love living in Hayesville. Ideal for full time living ,weekend retreat or a vacation rental.Schedule you private showing today!!! Hayesville is conveniently located to Asheville ,Blairsville GA and parts of Tennessee. Priced to sell

190 Fort Hembree Road, Hayesville

$579,900

2 Beds ⋅ 1 Baths ⋅ 4420698 MLS

Gorgeous custom built log home overlooking Chatuge Lake in Hayesville NC. This home offers vacation-style living for the year-occupant, or could be the perfect mountain lake investment property! The exterior just underwent a complete refresh inc stained and sealed logs, refinished decking, and painted/sealed metal roof. The interior boasts an open concept kitchen/living room w soaring ceilings, multiple French doors that lead onto the wrap-around deck, and windows in every direction that flood the space with natural light, along with providing that million-dollar lake view from every angle. There are also 2 bedrooms, a centrally located full bathroom, plus a formal dining area, all on the main level. An expansive loft offers a bedroom space, office/den area, and the 2nd full bathroom. The partially finished basement includes a multi-use space for addt sleeping or rec area plus a half bath, laundry room, and single car garage with storage space. Rare opportunities like this don't present themselves that often. CALL TODAY!

124 Woodard Lane, Hayesville

$489,000

2 Beds ⋅ 2 Baths ⋅ 4393420 MLS

Downtown living meets mountain serenity at 101 Mill Street! This 2BD/2BA gem offers the ultimate Hayesville lifestyle, combining effortless 1-level living with a prime location just off the town square. Perched to overlook the local pickleball courts and just steps from the Clay County Rec Center, this home is a dream for active residents who want to be in the heart of it all. Enjoy beautiful long-range mountain views from your own manageable 0.34-acre slice of heaven. The property features a spacious 2-car garage and paved, easy access, ensuring convenience at every turn. Being within walking distance to the Square means you are never far from local dining, shopping, and community events. Whether you are looking for a low-maintenance primary residence or a strategic investment in a high-demand area, this property delivers on every front. Rare is the opportunity to find a 2026-ready lifestyle that blends small-town charm with such incredible proximity to recreation. Don’t miss your chance to own a piece of downtown Hayesville with a view to match!

101 Mill Street, Hayesville

$299,000

4 Beds ⋅ 3 Baths ⋅ 4392442 MLS

Enjoy beautiful mountain views and stunning sunsets from the deck of this versatile 4-bedroom home. Currently configured as a duplex, the walkout basement features 2 bedrooms, a kitchen, living room, full bath, and washer/dryer—offering excellent rental or in-law potential. The main level includes 2 additional bedrooms, an updated open-concept kitchen, dining, and living area, plus a convenient laundry space. A wrap-around deck extends your living space outdoors and is accessible from sliding doors in both the primary bedroom and living room. Recent updates include a kitchen remodel and new flooring in 2020, as well as connection to county water in 2022. Supplemental LP heat is available on both levels for added comfort. Additional features include a metal roof, carport, storage shed, and concrete driveways providing access to both levels. This property offers exceptional flexibility—use the entire home for personal living with room for family and guests, live upstairs and rent the walkout basement, or maximize income by renting both levels separately. Conveniently located, with Hiawassee and Young Harris, GA and Murphy, NC all within 15–20 minutes.

281 Cherrywood Circle, Hayesville

Start Your Search

“The data relating to real estate on this website derive in part from the Internet Data Exchange program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither The M Homes Group nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. © 2026 Carolina Multiple Listing Services, Inc.”

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 .

Clay County Homes under $700,000

Newest Clay County Homes under $700,000

How much is your home worth?

How much is your home worth?