Montgomery County Homes under $400,000

Welcome to Montgomery County, North Carolina – a hidden gem nestled in the heart of the Uwharrie Mountains. Known for its stunning natural beauty, this charming county offers a delightful blend of outdoor adventures and small-town hospitality, making it an ideal place to call home.

Montgomery County boasts a rich history, with quaint towns like Troy and Biscoe that reflect its vibrant past. Residents enjoy a slower pace of life, surrounded by picturesque landscapes, including serene lakes, rolling hills, and lush forests. The area is perfect for outdoor enthusiasts, offering numerous recreational activities such as hiking, fishing, and camping in the nearby Uwharrie National Forest.

For those looking to settle down in Montgomery County, you’ll be pleased to discover a variety of homes available under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, the county offers an array of affordable options. From charming single-family homes with spacious yards to modern townhouses with convenient amenities, there’s something for everyone.

The local community is welcoming and vibrant, with annual events and festivals that bring neighbors together. With excellent schools, parks, and a strong sense of community, Montgomery County is an ideal place for families to thrive.

Explore the possibilities of homeownership in Montgomery County, NC, where affordability meets a rich lifestyle. Embrace the charm of this beautiful region and find your perfect home today!

Newest Montgomery County Homes under $400,000

$396,500

3 Beds ⋅ 2 Baths ⋅ 4433183 MLS

A gardener’s dream with outdoor spaces made for entertaining! Located in the gated Woodrun community at Lake Tillery, this 3-bedroom, 2-bath home offers approximately 1,496 square feet on a beautifully landscaped .70-acre lot. Flowering plants border the concrete walkway to the main entrance, where a welcoming front porch features new railing and pickets. The backyard is a peaceful retreat with a spacious deck, covered grilling area, retractable awning, and a soothing water feature. A lighted walkway leads to the firepit, while colorful plantings create an inviting setting for relaxing or gathering with friends. The fenced backyard offers room for your furry companions. Inside, enjoy an updated kitchen with countertops and backsplash, a primary bath with dual vanities and a ceramic tile shower, plus a sunroom, screened porch, and attached double garage. Beautiful new stacked tile wall in living room with TV nook and built in electric fireplace. The sunroom features a propane buck stove and makes this a great place to feel cozy during the winter months. Two new carports provide generous covered parking: a 16 x 30 carport with a 30-amp hookup and a 14 x 25 carport for your boat. An 11 x 28 wired storage/workshop building with a roll up door & covered lean-to adds space for tools, hobbies, and gardening supplies. Woodrun amenities include a members-only boat launch, waterside clubhouse and pool, sports court, playground, and walking trails. Community boat slips are currently subject to a waiting list. Approximately 50 miles east of Charlotte, with access to the Uwharrie National Forest and Morrow Mountain State Park minutes away, this home brings together garden beauty, outdoor living, and the enjoyment of Lake Tillery. Residents in Woodrun enjoy several pretty walking trails along with hiking the neighborhood or in the Uwharrie National Forest with entrance a minute away. Woodrun's social calendar has something for everyone: bookclub, aerobics in the summer, dinners hosted by serving our neighbors, card games, special event days along with Food Trucks scheduled weekly. During the gardening season, fresh produce is sold by one of our local farmers to residents. There is something for everyone. A rare find in Woodrun with all this property offers. More Exterior and Interior Photos Coming!!! Must have Realtor to access Woodrun to view this property. This will be active on the market 10/18, but you can schedule appointments now.

571 Newport Drive, Mount Gilead

$310,000

3 Beds ⋅ 1 Baths ⋅ 4432569 MLS

Refined Country Living on Over 6 Acres | Candor, NC Discover the perfect balance of modern comfort and timeless country charm with this beautifully renovated residence situated on over six acres in the peaceful countryside of Candor, North Carolina. Thoughtfully updated throughout the past five years, this inviting property offers a rare opportunity to enjoy spacious interiors, expansive outdoor living, and the tranquility of a rural setting. The impressive vaulted living room creates an airy, welcoming atmosphere, while the generously sized kitchen features updated cabinetry, countertops, appliances, abundant storage, and a charming breakfast nook. Offering three bedrooms, a spacious primary suite with walk-in closet, a dedicated laundry room, and a versatile office or flex space, the home’s thoughtfully arranged interior accommodates a variety of lifestyles. Significant improvements include an HVAC system, replacement windows in most rooms, and kitchen and flooring updates. Outdoor living is equally inviting, with a spacious front porch, screened rear porch, fenced open yard, and ample acreage for gardening, recreation, or simply enjoying the natural surroundings. Two storage buildings, a detached covered carport, and established blueberry bushes further enhance the property’s appeal. Conveniently located near Troy, Biscoe, Albemarle, Asheboro, and Pinehurst, this exceptional property offers the serenity of country living without sacrificing accessibility. A distinctive opportunity to embrace a more relaxed lifestyle, where thoughtful updates, generous acreage, and everyday comfort come together.

2240 Candor Troy Road, Candor

$209,000

2 Beds ⋅ 2 Baths ⋅ 1238120 MLS

Beautiful 2BR/2BA approx 1000sqft. home in Pine Haven Village at Badin Lake! The main level features a modern kitchen with quartz countertops, bedroom, full bath and Laundry room. Go out the back door to your 25x10 concrete patio. Upstairs, the entire level is a spacious primary suite featuring a dramatic 13ft vaulted ceiling, full bath with quartz and walk-in closet. Enjoy lake area living with a voluntary HOA of just $125 A YEAR, providing access to a private gated boat ramp, swimming and picnic area, and fishing pier on Badin Lake. Perfect for a primary residence, weekend getaway or investment property Come make this yours and enjoy the lake agent is part owner

146 Hillcrest Road, New London

109 Driftwood Trail Unit #135 & 136H, Mount Gilead

$249,000

2 Beds ⋅ 2 Baths ⋅ 4431756 MLS

Great new listing, double lots, park trailer with full room addition, 2 bedroom, 1.5 bath, laundry, great kitchen, 2 storage buildings both wired, front enclosed porch heated & cooled with mini split. Carport, and large RV shed big enough for motorhome, outdoor shower area, large deck on side, doggy door and ramp to fenced in dog run.

109 Driftwood Trail Unit #135 & 136H, Mount Gilead

177 Pinehaven Drive Unit #24, New London

$265,000

3 Beds ⋅ 2 Baths ⋅ 4431526 MLS

Enjoy Badin Lake living in this charming 3-bedroom, 2-bath single-level home, perfect for a full-time residence or weekend lake getaway! Relax on the rocking-chair front porch or enjoy grilling and entertaining on the side deck conveniently located off the kitchen. Inside, you’ll find an open-concept living, dining and kitchen area with stainless steel appliances, including a new stove installed September 2026. A concrete driveway leads to the attached 1-car garage, while a large storage building provides plenty of space for lawn equipment, lake gear and more. A low voluntary HOA is available for those who would like access to the private gated boat ramp and swimming area. Enjoy the laid-back Badin Lake lifestyle with the flexibility of making this your weekend retreat or year-round home!

177 Pinehaven Drive Unit #24, New London

$265,000

3 Beds ⋅ 2 Baths ⋅ 1237892 MLS

177 Pinehaven Drive, New London

$309,000

5 Beds ⋅ 2 Baths ⋅ 4431005 MLS

Step back in time with this charming 19th-century Victorian farmhouse situated on 3.77 private acres near Lake Tillery. Rich in character and history, the home features a picturesque wrap-around porch, original doors and decorative trim, and beautiful original hardwood floors throughout the main living areas and bedrooms. Offering 5 bedrooms, one without a closet, the home provides plenty of space for full-time living or a weekend retreat. The property also includes several historic outbuildings, including an active wellhouse, smokehouse, barn, and chicken house. A spacious, private backyard provides plenty of room for entertaining, gardening, or simply enjoying the peaceful setting. Modern updates include a newer dual-zone HVAC system and roof, blending today's comforts with the home's historic charm. Conveniently located near Lake Tillery, with easy access to local restaurants, a public boat ramp, and nearby boat storage. Property is subject to protective historic covenants.

502 W Allenton Street, Mount Gilead

$225,000

2 Beds ⋅ 1 Baths ⋅ 1237514 MLS

Cute brick ranch in the countryside of Seagrove on 1.5 acres. Offering 2bdrms, 1 full bath. Kitchen has been updated along with roof & floors. Living room is cozy with wood burning fireplace. Bathroom updated with new tile. Enjoy a covered porch area & sitting area off back. Large flat backyard w/ multiple buildings. Two apple trees, two persimmon trees, and many pecan trees, all producing fruit. Attached carport & an additional detached carport. At $225K, you should check it out. Close proximity to Greensboro, Asheboro, and High Point.

334 Beane Road, Seagrove

$339,900

5 Beds ⋅ 3 Baths ⋅ 4430100 MLS

USDA eligible with potential 100% financing for qualified buyers, subject to lender and USDA approval. BRAND NEW!! New construction. Over 2000 square feet, over an acre. Jackson Springs is the home that feels like a getaway. Peaceful Sandhills living with room to breathe, while still being close to Pinehurst, Seven Lakes, golf, lakes and every day conveniences. Best for those looking for more land, more privacy and a quieter pace of life. Seller paid financing incentive of $7000 available with acceptable offer that will buy down rate and LOWER MONTHLY PAYMENTS for the first five years.

875 Windblow Road, Jackson Springs

$334,900

4 Beds ⋅ 2 Baths ⋅ 4429509 MLS

USDA eligible with potential 100$ financing for qualified buyers, subject to lender and USDA approval. BRAND NEW!! New construction. Over 2000 square feet, over an acre. Jackson Springs is the home that feels like a getaway. Peaceful Sandhills living with room to breathe, while still being close to Pinehurst, Seven Lakes, golf, lakes and every day conveniences. Best for those looking for more land, more privacy and a quieter pace of life. Seller paid financing incentive of $7000 available with acceptable offer that will buy down rate and LOWER MONTHLY PAYMENTS for the first five years.

865 Windblow Road, Jackson Springs

$334,900

4 Beds ⋅ 2 Baths ⋅ 4429516 MLS

869 Windblow Road, Jackson Springs

154 Roberts Ridge Road Unit #46, Mount Gilead

$145,000

3 Beds ⋅ 1 Baths ⋅ 4429915 MLS

Lake life starts here! Located in the sought-after Twin Harbor Campground on Lake Tillery, this beautifully updated 3-bedroom, 1-bath home is move-in ready and packed with upgrades. The inviting interior features a spacious living area and a stylish kitchen with new shaker-style cabinetry, sealed marble countertops, new stove, and eat-in space. Recent improvements include a newer HVAC system with ceiling ductwork, all-new flooring, updated plumbing, a fully rewired 200-amp electrical system, new panels, recessed lighting, and a beautifully renovated bathroom. Additional updates include pocket doors for additional space, a new tankless gas water heater, exterior gas tank, and a gently used washer/dryer combo. Outside, the generous 10x26 covered porch creates the perfect spot to relax or entertain, while the 8x10 storage building offers plenty of room for lake toys and outdoor gear. Enjoy all that Twin Harbor has to offer with lake access, community beach, boat ramps, pool, playgrounds, pickleball, recreational courts, arcade, and an on-site grocery store. Whether you're looking for a weekend escape or your own place to enjoy the Lake Tillery lifestyle, this property is ready to welcome you home!

154 Roberts Ridge Road Unit #46, Mount Gilead

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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 .