Clay County Homes under $400,000

Welcome to Clay County, Illinois – a hidden gem in the heart of the Midwest! Known for its picturesque landscapes and friendly communities, Clay County offers a perfect blend of small-town charm and modern conveniences. Nestled amidst rolling hills and lush greenery, this county is an ideal setting for families, retirees, and anyone seeking a peaceful lifestyle away from the hustle and bustle of city life.

One of the most appealing aspects of Clay County is the affordability of its housing market. With homes available under $400,000, you can find a variety of options that cater to different tastes and needs. Whether you’re looking for a cozy single-family home, a spacious ranch, or a charming fixer-upper, Clay County has something for everyone. The real estate market here is not only budget-friendly but also rich in character, with many properties featuring beautiful yards and unique architectural styles.

In addition to its affordable housing, Clay County boasts a strong sense of community and numerous amenities. Residents enjoy access to local parks, recreational facilities, and a range of shopping and dining options. The county is also home to excellent schools, making it a great place for families to settle down and thrive.

Explore the possibilities that await you in Clay County, Illinois, where your dream home is just a visit away. Embrace the opportunity to live in a welcoming community without breaking the bank, and let the charm of Clay County capture your heart!

Newest Clay County Homes under $400,000

$69,900

3 Beds ⋅ 1 Baths ⋅ 12807211 MLS ⋅ NEW Status

AFFORDABLE HOMEOWNERSHIP OPPORTUNITY - $69,900! Looking for an affordable home with valuable improvements already completed? Welcome to 512 Austin Avenue! This 3-bedroom, 1-bath home offers approximately 940 square feet of living space, making it an excellent opportunity for buyers looking for a manageable home at an attractive price. Several important updates have already been made, including HVAC, windows, flooring, light fixtures, ceiling fans, and plumbing faucets and fixtures. These improvements provide a great starting point for the next owner to add their finishing touches and make this house their own. SELLER INCENTIVES AVAILABLE! The seller is willing to contribute toward buyer closing costs and provide an allowance toward reinstalling the electrical meter center, subject to acceptable offer terms. These incentives could help reduce some of the upfront expenses associated with purchasing and completing the home. Whether you're looking for your first home, considering downsizing, or searching for an investment opportunity, this property offers affordability, recent improvements, and plenty of potential. Offered at just $69,900! Don't overlook the opportunity to turn this property into something special. Schedule your showing today and see the possibilities for yourself!

512 Austin Avenue, Flora

$142,000

3 Beds ⋅ 1 Baths ⋅ 12795014 MLS ⋅ ACTIVE Status

Beautifully Remodeled, Spacious, and Ready for You! Looking for a move-in-ready home that may qualify for a variety of loan programs? Take a look at 732 E North Ave! This 1,370 sq. ft., 3-bedroom home sits proudly on a double lot totaling over half an acre, conveniently located next to the park, accross from the grocery store, and just blocks from healthcare and the industrial park. Completely remodeled in 2018, this home received improvements from the basement to the upstairs! Exterior updates include a metal roof, vinyl siding, replacement windows, new front and back doors, storm doors, and a new back deck. The charming 224 sq. ft. covered front porch was also brought back to life. Inside, major updates include new wiring, a 200-amp breaker box, meter loop, outlets, switches, all new water lines and drain lines, and water heater. Blown-in insulation was added, along with a high-efficiency furnace, central air, and new ductwork. The south basement wall was professionally corrected by Woods Basement and has been serviced annually. You'll love the open-concept living and dining areas, accented by original wood pillars, flowing into an impressive kitchen featuring soft-close cabinets, a lazy Susan, spacious drawers, and beautiful countertops. The range and refrigerator stay! The spacious remodeled bathroom boasts a custom tile tub surround and attractive vanity. Two generously sized bedrooms with ample closet space are located on the main floor. Upstairs, an open landing with a large walk-in closet offers the perfect space for a family room, hobby area, or additional living space. The third bedroom upstairs also features a spacious walk-in closet. With extensive updates, generous living space, and a double lot offering over half an acre, this home has so much to offer! Give our office a call today to schedule your private showing and ask about available loan programs that will fit your needs.

732 E North Avenue, Flora

$385,000

5 Beds ⋅ 2 Baths ⋅ 12789484 MLS ⋅ ACTIVE Status

WHY BUILD WHEN SOMEONE HAS ALREADY BUILT YOUR DREAM? At just $109 per square foot, this stunning 3,501 sq. ft. country estate on 5.33 acres offers a level of craftsmanship, space, and value that would be incredibly difficult to recreate at today's construction costs! After 41/2 years of extensive renovations, this remarkable 5-bedroom, 2-bath home is finally ready for the public, and the transformation is nothing short of extraordinary. From the moment you step inside, you'll feel as though you've walked straight into the pages of a luxury home magazine. Nearly every inch has been thoughtfully reimagined, featuring all-new drywall, beautiful new flooring throughout, a newer roof, updated HVAC system, designer fixtures, and a breathtaking brand-new kitchen complete with custom cabinetry and gorgeous granite countertops. All five oversized bedrooms have been completely redone from top to bottom, each offering generously sized closets rarely found in homes today. But the beauty doesn't stop at the front door! Outside, you'll discover 5.33 acres of beautifully maintained countryside, complete with a manicured lawn, fruit trees, a charming rock walking trail, a spacious 21/2-car detached garage, and an additional open-front pole shed offering endless possibilities for storage and hobbies. Nestled just outside Louisville, Illinois, this property delivers the peaceful country lifestyle so many dream about without sacrificing the convenience of being close to town. Imagine enjoying your morning coffee overlooking your own acreage, surrounded by the quiet beauty of the countryside, knowing the years of hard work, renovations, and major improvements have already been completed for you. If you've been searching for land to build your dream home, you may have just found something even better. **The land, the space, the craftsmanship, and the magazine-worthy finishes are already here. All that's missing is you!

8605 Bobwhite Road, Louisville

$73,500

3 Beds ⋅ 1 Baths ⋅ 12783111 MLS ⋅ ACTIVE Status

Affordable Country Living That Needs A Liddle Lovin! Ready to go to work? If so, this 3-bedroom home just minutes south of Effingham and just a bit north of Louisville on Rt. 45 is ready to be LOVED! Located on a beautiful 1.3-acre lot, this 1448 sq. ft. country home has so much potential. The 1st floor is open-concept, with a large eat-in kitchen, a living room with a great view, a family area with its own covered porch, a large primary bedroom, and a good-sized main bathroom. The 2nd floor has 2 nice-sized bedrooms plus a large open study-den area. We have talked about the 1st floor and 2nd floor; now let's talk about the dip in the floor. The kitchen, bath, and bedroom floors have been replaced. The living room and family room floors are in dire need of help. This home has replacement windows, vinyl siding, solid wood kitchen cabinets, and plenty of space. The yard is beautiful, the location is convenient, the garage is handy, and the price is affordable. In other words, "Here's your fixer-upper!" Have questions? Give us a call today.

22800 Highway 45, Louisville

$76,500

3 Beds ⋅ 1 Baths ⋅ 12762198 MLS ⋅ ACTIVE Status

Ready for an Uplift? This affordable 3-bedroom home is ready for someone to bring out its full potential! If you're looking for an affordable home with many of the important updates already completed, this one is worth a look. The home features a metal roof, vinyl siding, replacement windows, 200-amp breaker box, updated water lines, and some completed drywall work. There is still some work to do, including the dining room and laundry room floors that need an uplift for the dining room has a down slope, but the potential is here to create a comfortable home at an affordable price. The large corner lot is one of the highlights, with tall, mature trees providing plenty of shade and room to enjoy the outdoors. The oversized 31' x 25' detached 2-car garage offers plenty of room for vehicles, storage, a workshop, or all three. Inside, the spacious kitchen features solid wood cabinets, stainless sink, gas range, French-door refrigerator, dishwasher, and microwave hood, with the washer and dryer also staying with the home. The large living room provides plenty of space to relax, while the primary bedroom offers a nice-sized retreat. The other two bedrooms share a convenient Jack-and-Jill closet. There has already been plenty of work completed, and with some additional TLC, this could become a great home for someone looking for value and space without breaking the budget. Ready to put in a little work and enjoy the rewards? This property may also be a great candidate for one of the grant programs that may be available to qualified buyers. Come take a look and see for yourself the possibilities this affordable home has to offer. Give our office a call today and let's take a look!

1401 Main Cross Street, Xenia

$255,000

3 Beds ⋅ 2 Baths ⋅ 12766459 MLS ⋅ ACTIVE Status

Country Living with Convenience! If country living is on your wish list, but you don't want to be far from town, this beautifully renovated 3-bedroom, 2-bath home deserves a look. Set on 3.16 acres just north of town, you'll enjoy peaceful surroundings while being only minutes from Walmart, the hospital, clinics, schools, and the industrial park. With 2,148 sq. ft. of living space, this home offers plenty of room to spread out. The comfortable living room flows toward the kitchen, where dark cabinetry and an open breakfast bar create a welcoming gathering space. The massive family room/dining room offers plenty of space for entertaining, relaxing, or enjoying everyday life. Three custom picture windows in the dining area showcase beautiful views of the wooded backyard and private pond. Step outside onto the deck and take in the peaceful setting. The 3.16-acre property offers something for everyone, with open ground for a hobby farm or outdoor activities, wooded areas to explore, and a private pond that adds to the property's retreat-like feel. Wildlife is part of the scenery, with deer, turkey, and other wildlife frequently making an appearance. A detached 2-car garage provides parking and excellent workshop space, while the additional rock drive offers plenty of room for guests, trailers, or extra vehicles. A metal roof adds another practical feature to this already updated property. If you've been looking for a spacious, renovated home with acreage, a pond, wildlife, and room to enjoy the outdoors-all while remaining close to town-this could be the country property you've been waiting for!

2076 N State Road, Flora

$127,400

4 Beds ⋅ 3 Baths ⋅ 12756042 MLS ⋅ PRICE CHANGE Status

Sellers have just added $2500 in closing cost assistance and just reduced the price. This home should qualify for an FHA loan and the Sellers Are Motivated! Bring Your Offer! Be In Your New Home By Christmas. This would make an excellent Christmas Gift. If you've been searching for a home with plenty of room without the big price tag, this one deserves a look! Offering approximately 2,240 sq. ft. of living space, this 4-bedroom, 3 Full-bath home sits on a double lot in a convenient Flora location close to shopping, amenities, and area factories. Step inside to a spacious floor plan featuring a large kitchen with a breakfast bar that opens to the dining area and an impressive living room with a vaulted ceiling, giving you plenty of space for everyday living and entertaining. The primary suite is a standout with a large walk-in closet, garden tub, separate shower, and double vanity. Outside, you'll appreciate the metal roof, generous yard, and 24' x 24' detached 11/2-car garage for parking, storage or workshop space. An aluminum removable accessibility ramp provides convenient entry and added flexibility. Currently utilized as both a church and residence, the property offers a versatile layout with plenty of potential to make it your own. With 4 bedrooms, 21/2 baths, a double lot, oversized living spaces, and a detached garage, there's a lot here for the money. Just reduced to approximately $57 per sq. ft.! Affordable space, a convenient location, and room to grow all come together in one unique property. Schedule your showing and see the possibilities for yourself!

121 Meyer Street, Flora

$84,900

4 Beds ⋅ 2 Baths ⋅ 12639320 MLS ⋅ PRICE CHANGE Status

Large 4 bedroom, 2 bath home located on 1 acre!! Seller does not pay customary closing costs: including title policy, escrow fees, survey or transfer fees. Proof of funds required on cash transactions: Lender pre-approval letter for all financed offers (dated within 30 days) This property MAY qualify for Seller financing. (Vendee). If property was built prior to 1978, Lead Based Paint Potentially Exists.

418 S 1St Street, Clay City

$129,000

2 Beds ⋅ 2 Baths ⋅ 12604728 MLS ⋅ ACTIVE Status

Endless Potential in a One-of-a-Kind Property! This unique home has worn many hats over the years-serving as a family residence, doctor's office, and even a flower shop-and is now in the process of being transformed back into a truly remarkable home, ready for your finishing touches. Major updates have already been completed, including a new roof and HVAC in 2024, along with significant renovations in 2015. With so much already invested, this property offers a rare opportunity to create something truly special. Inside, you'll find an abundance of custom features and flexible spaces. Love to cook? Enjoy the convenience of two kitchen areas. Love to entertain? From the stunning living room to the covered screened deck and beautiful stone patio, there are multiple spaces designed to gather, relax, and impress. While the home still requires finishing work to become move-in ready, it presents an incredible opportunity for buyers with vision. Whether you're a hands-on homeowner, an investor, or someone looking for a custom project, this property is full of potential. The home is being sold as-is, and buyers are encouraged to bring their contractor and fully explore the possibilities. With motivated sellers ready to move on, now is the time to take advantage of this unique offering. If you've been searching for a property you can truly make your own, this is your chance-bring your ideas, create your plan, and make it yours.

102 W 3Rd Street, Flora

$144,000

1 Beds ⋅ 4 Baths ⋅ EB459745 MLS ⋅ ACTIVE Status ⋅ Original Town Flora BLDG.

So Many Possibilities At Such An Affordable Price! This property has a studio apartment that can be occupied with a special use variance or expanded to a single residence or converted to a multi-family. Loved with pride by the same family for almost 50 years now, priced at less than $53 per sq. ft., the pictures will show you that this 2849 Sq. Ft. property has never had less than flawless maintenance. Both "2" HVAC System and the Roof should have a great lifespan left. Last used as an exceptionally successful Dental Practice, the family has decided it was time to retire and enjoy life. Inside, you have a large waiting/reception area, an appointment/patient record area, 4 patient rooms, 4 rest rooms, 2 work stations, a private executive office, a laundry area with a washer & dryer, plenty of storage, plus a large break area/studio apartment. This amazing property has plenty of on-street parking at the front door, ramp entry with handrails, no steps, and is ADA-compliant. Additional parking is available with a nice-sized parking area in the back with 2 separate entrances. Possibilities include a single medical practice, a shared medical practice that could be made by dividing the property into 2 offices, or an office complex. With a special use variance, this property could be converted to a duplex with plenty of parking plus yard space on the vacant lot to the east. The family has priced their property at a very affordable price to give others a chance to follow their dreams.

119 W 2Nd Street, Flora

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Clay County Homes under $400,000

Newest Clay County Homes under $400,000

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How much is your home worth?