Montgomery County Homes under $400,000

Montgomery County Homes under $400,000

Welcome to Montgomery County, Kentucky, a hidden gem nestled in the heart of the Bluegrass State! Known for its rich history, stunning landscapes, and friendly communities, Montgomery County offers an exceptional quality of life that attracts families, retirees, and everyone in between. With its charming small-town atmosphere and easy access to larger cities, this county strikes the perfect balance between tranquility and convenience.

One of the most appealing aspects of Montgomery County is its diverse housing market, particularly for those seeking homes under $400,000. Here, you’ll find a variety of options that cater to different lifestyles and preferences. From quaint, historic homes full of character to modern, energy-efficient builds, there’s something for everyone. Many properties boast spacious yards, perfect for family gatherings or quiet evenings under the stars.

Montgomery County is not just about beautiful homes; it also features an array of local parks, recreational facilities, and vibrant community events that bring residents together. Enjoy a leisurely stroll through the picturesque downtown area, where you can explore unique shops, dine at delightful eateries, and soak in the welcoming atmosphere.

For families, the county offers excellent educational opportunities, with schools that prioritize student success and community involvement. Plus, with its close-knit neighborhoods, residents can enjoy a sense of belonging that is hard to find elsewhere.

Whether you’re looking to buy your first home, upgrade, or invest in property, Montgomery County, KY, is a fantastic place to call home. Discover the charm and affordability of this wonderful county today!

Newest Montgomery County Homes under $400,000

7150 Donaldson Road, Mt Sterling
$87,500
2 Beds ⋅ 2 Baths ⋅ 26027758 MLS
Wonderful country setting! This manufactured home sits on a gorgeous 0.85-acre lot and offers a great opportunity for a starter home or rental property. The home features 2 bedrooms, 2 bathrooms, and both front and back decks. Recent updates include a new heating and air system, updated Bathrooms, new flooring, new plumbing, new kitchen appliances and more. Affordable country living with plenty of outdoor space!

7150 Donaldson Road, Mt Sterling
205 Helena Dr, Mt Sterling
$319,000
3 Beds ⋅ 2 Baths ⋅ 26027729 MLS
WOW—MUST SEE! Beautifully maintained 3BR/2BA with 1,370+ sq. ft. on a nearly half-acre lot. Features include a full vinyl privacy fence w/double gates, professional landscaping, newer vinyl flooring, all-new blinds, newer appliances, a new walk-in shower, and no-grout tile in kitchen & laundry. Enjoy Trek decking with motorized retractable awning & wind-safety detection. Spacious backyard includes a 10x20 pet kennel with a concrete pad and a sturdy 6-ft-tall panel fence, a storage building, continuous guttering, a security system, and an attached 2-car garage. Too many features to list—schedule your showing today and see firsthand everything this home has to offer!

205 Helena Dr, Mt Sterling
300 Ashgrove Dr, Mt Sterling
$169,000
3 Beds ⋅ 1 Baths ⋅ 26027647 MLS
A well built brick ranch for comfortable living with a practical layout and timeless appeal. Featuring 3 bedrooms and 1 full bath, this home is a great option for a first-time buyer, small family, or anyone looking to downsize without giving up the comforts of home. Inside, you'll find beautiful hardwood floors and a nice size kitchen and living space that are ready for you to make your own. The home offers a manageable size while still providing plenty of room for everyday living. Step outside to enjoy the nice fenced backyard, perfect for pets, children, gardening, or simply relaxing. A covered patio provides a great spot to enjoy the outdoors or to work on small projects. A small storage building is also included for extra storage. Central location to the by-pass, interstate and downtown area is a big plus. Whether you're looking for your first home, a simpler lifestyle, or an affordable property with a great outdoor space, this nice brick ranch is worth a look.

300 Ashgrove Dr, Mt Sterling
4211 Junior St, Mt Sterling
$160,000
3 Beds ⋅ 1 Baths ⋅ 26027633 MLS
Tucked away at the end of Junior street you will find this adorable Bedford stone home on a quiet dead end street. Close to Camargo School. Beautiful Hardwood floors. Large Kitchen and living room with 3 good sized bedrooms and an unfinished basement for the hobbyist, music room, craft room, anything you like. Great sized yard and a chain link fence to keep your family and fur babies safe to have fun.

4211 Junior St, Mt Sterling
215 Antwerp Avenue, Mt Sterling
$190,000
3 Beds ⋅ 2 Baths ⋅ 26027613 MLS
Welcome to 215 Antwerp Ave! This 3-bedroom, 2-bath home checks several boxes buyers are looking for, including a basement, fenced backyard, and whole-home Generac generator. The basement provides valuable additional space for storage, a home gym, workshop, or future living space, while the fenced backyard is perfect for pets, entertaining, or simply enjoying your own private outdoor space. The Generac generator provides added peace of mind with dependable backup power when you need it. Conveniently located near downtown Mount Sterling, shopping, dining, and I-64, this home combines space, functionality, and a great location. Schedule your showing today!

215 Antwerp Avenue, Mt Sterling
339 W Sunset Ridge Dr, Mt Sterling
$359,000
3 Beds ⋅ 3 Baths ⋅ 26027582 MLS
Welcome to 339 W Sunset Ridge Drive in Mt. Sterling, KY—a charming Cape Cod with standout curb appeal, tucked away on a quiet cul de sac inside the city limits. From the moment you step inside, this home feels warm, inviting, and exceptionally well cared for. Beautiful maple hardwood flooring and tile run throughout the main level, complementing a layout designed for comfort and convenience. The first floor primary suite received a full renovation in summer 2026, featuring a stylish tile walk in shower, updated fixtures, and a modern curved edge vanity. The home offers an oversized 24×24 garage with ample space for two vehicles plus additional storage. A generous walk in attic provides even more storage options, including hanging racks perfect for off season clothing. Out back, enjoy a private fenced yard, a large deck, and an above ground pool—ideal for summer relaxation and entertaining. Inside, recent updates include new kitchen countertops and sink, new first floor lighting, updated plumbing fixtures, and new bathroom vanities. A cozy gas fireplace adds warmth during chilly fall and winter evenings. Additional improvements include a new metal shed (2025). Owner/Agent.

339 W Sunset Ridge Dr, Mt Sterling
745 W Arrowhead Trl W Trail, Mt Sterling
$265,000
3 Beds ⋅ 3 Baths ⋅ 26027499 MLS
Peaceful Lake Views & Move-In Ready! Townhomes like this don't come on the market often! This beautifully maintained 1,627-square-foot townhouse offers a spacious, well-designed layout with 3 bedrooms and 2½ baths, along with the convenience of being fully furnished. Inside, you'll find beautiful hardwood floors, generously sized bedrooms, and comfortable living spaces designed for easy everyday living. Great views of the neighborhood lake from the front porch and the private back patio provides great outdoor spaces. Additional features include a one-car garage with extra storage, large bedrooms, walk-in closets, a washer and dryer and easy entry from the rear of house. The furniture is included, making this an especially convenient opportunity for someone looking for a home that is ready to enjoy. Located in the planned community of Silver Creek, this townhouse offers a wonderful setting for those who enjoy an active, walkable lifestyle. Take a stroll or bike ride through the neighborhood, enjoy the small lakes throughout the community, and take advantage of nearby restaurants and amenities. With easy access to I-64, commuting to Lexington or surrounding areas is convenient while still allowing you to come home to a peaceful neighborhood setting. This is a rare opportunity you won't want to miss!

745 W Arrowhead Trl W Trail, Mt Sterling
1322 Shadelawn Dr, Mt Sterling
$289,900
3 Beds ⋅ 2 Baths ⋅ 26027361 MLS
Welcome to 1322 Shadelawn, a three-bedroom, two-bath ranch tucked away on a quiet cul-de-sac in a highly desirable neighborhood. Inside, you'll find an updated kitchen and bathrooms, a new HVAC system, and a functional layout designed for easy one-level living. The four-season room provides additional living space and leads out to an oversized covered back deck, perfect for entertaining or relaxing while overlooking the large, fully fenced backyard. With plenty of indoor and outdoor space, thoughtful updates, and a location that's hard to beat, this home is ready for its next owner to make it their own.

1322 Shadelawn Dr, Mt Sterling
42 Samuels Avenue, Mt Sterling
$265,000
4 Beds ⋅ 2 Baths ⋅ 26027296 MLS
Thoughtfully Updated 4BR/2BA in Mount Sterling, KY Welcome to 42 Samuel's Avenue, a beautifully updated 4-bedroom, 2-bathroom home offering plenty of space and move-in-ready style in Mount Sterling, Kentucky. This home has been thoughtfully refreshed throughout, giving you modern updates with a true turnkey feel. Step inside to find new flooring and fresh paint throughout, creating a clean, bright, and inviting atmosphere in every room. New light fixtures and plumbing fixtures add a polished touch, while new tile in the bathrooms brings a stylish, updated look to both spaces. Outside, you'll love the fenced-in backyard, the perfect space for pets, play, or simply relaxing in your own private outdoor retreat. With so many quality updates already done for you, this home offers comfort and convenience from the moment you walk through the door. Schedule your showing today!

42 Samuels Avenue, Mt Sterling
3833 Levee Road, Mt Sterling
$399,000
3 Beds ⋅ 2 Baths ⋅ 26027287 MLS
Welcome home to 3833 Levee Road! This beautifully remodeled ranch offers the perfect blend of updated living, peaceful country surroundings, and a convenient location—all situated on approximately 16 acres! Featuring 3 bedrooms, 2 full bathrooms, and 1,970 sq. ft. of living space, this home offers a spacious and comfortable layout with stylish updates throughout. The kitchen features white cabinetry, stainless steel appliances, generous counter space, and a large island with additional seating. The open dining and living areas provide plenty of room for gathering, while the beautifully updated bathrooms add a modern touch, including a tiled walk-in shower and double vanity. Outside is where this property truly shines! Enjoy approximately 16 acres of beautiful Kentucky countryside along with a barn, silo, and detached 2-car garage offering plenty of room for vehicles, equipment, hobbies, or storage. With a combination of open acreage, mature trees, multiple outbuildings, and scenic views, there is so much to enjoy. And the location? You get the best of both worlds! Located only about 3 miles down Levee Road, you're conveniently close to town while still enjoying your own private slice of the countryside. A remodeled home, 16 acres, barn, garage, privacy AND convenience—3833 Levee Road has it all!

3833 Levee Road, Mt Sterling
128 Hawk Lane, Mt Sterling
$389,900
4 Beds ⋅ 3 Baths ⋅ 26027191 MLS
Brand NEW and ready for YOU! Introducing The Winstar, The Flats @ Phoenix Hill's first-ever TWO-STORY home! This modern floor plan offers 4 bedrooms, 2.5 baths, and approximately 1,950 sq. ft. of thoughtfully designed living space. The first floor features an open-concept living room with a cozy gas fireplace, dining area, and beautiful kitchen with an island, stainless steel appliances, custom cabinetry, granite countertops, and pantry. You'll also find a convenient half bath and separate utility room on the main level. Head upstairs to the spacious Primary Suite featuring a trey ceiling and walk-in closet, along with three additional bedrooms and another full bath. Neutral finishes, LVP flooring throughout, granite countertops, and custom cabinetry give this home a fresh, modern look that's ready for your personal touch. Outside, enjoy a large covered front porch and a covered rear porch backing up to green space perfect for relaxing or entertaining. The Winstar is something NEW for The Flats @ Phoenix Hill, and it's truly ready to welcome you HOME! BUY NOW and take advantage of $5000 closing cost allowance!

128 Hawk Lane, Mt Sterling
132 Hawk Lane, Mt Sterling
$379,900
4 Beds ⋅ 2 Baths ⋅ 26027189 MLS
Introducing The Blackwood, one of the newest floor plans offered at The Flats @ Phoenix Hill! This beautiful new construction, 1.5 story home offers approximately 1,900 sq. ft. with 4 bedrooms and 2 full baths, combining modern finishes with a spacious and functional design. Step inside through the inviting foyer and take in the open-concept living room featuring a cozy gas fireplace, a beautiful kitchen with island and stainless steel appliances, and a spacious dining area perfect for everyday living and entertaining. The main level features the Primary Suite complete with crown molding, a walk-in closet, and private ensuite with double vanity and stand-up shower, along with two additional bedrooms and another full bath. Head upstairs and you'll find the MASSIVE fourth bedroom—a versatile space large enough to serve as a bedroom, bonus room, home office, or even a combination! Throughout the home you'll find modern fixtures and finishes including LVP flooring, neutral colors, granite countertops, and custom cabinetry. A separate laundry room adds convenience, while outside you'll love the covered rear porch overlooking peaceful green space and a charming front porch that simply screams WELCOME HOME! The Blackwood is fresh, functional, and ready to become your new favorite floor plan at The Flats @ Phoenix Hill. ! BUY NOW and take advantage of $5000 closing cost allowance!

132 Hawk Lane, Mt Sterling
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