Stephens County Homes under $400,000

Welcome to Stephens County, Texas, where charm meets opportunity in the heart of the Lone Star State! Nestled in the picturesque city of Breckenridge, this vibrant community boasts a rich history, a welcoming atmosphere, and a variety of amenities that make it a fantastic place to call home.

Breckenridge, the county seat, is known for its friendly residents and small-town charm. With a population that values community spirit, you’ll find local events, farmers' markets, and festivals that bring everyone together. The stunning landscapes surrounding the area offer a plethora of outdoor activities, from hiking and fishing to exploring the beautiful Lake Breckenridge, perfect for family outings or quiet weekends.

For those looking to settle down in Stephens County, you’ll be delighted to discover a range of homes available for under $400,000. Whether you’re a first-time homebuyer, a growing family, or seeking a cozy retreat, this price point opens the door to a variety of options. From charming single-family homes with spacious yards to modern townhouses with contemporary finishes, there’s something to suit every taste and budget.

Imagine waking up to the serene beauty of Texas skies and enjoying the warmth of a close-knit community. With affordable housing and a wealth of local amenities, Stephens County is not just a place to live; it’s a place to thrive. Come explore the delightful homes and welcoming neighborhoods of Breckenridge—your dream home awaits in this hidden gem of Texas!

Newest Stephens County Homes under $400,000

$249,500

3 Beds ⋅ 3 Baths ⋅ 21405948 MLS

Enjoy lake living at this fully furnished Hubbard Creek Lake property on Tanglewood Island, with a covered lakefront dock and sleeping arrangements for up to 11. The flexible 2,380-square-foot layout offers three bedrooms, an office or flex room that could serve as a fourth bedroom, 2.5 baths, two living areas, and a laundry-mudroom. Upstairs, the sleeping area includes three twin beds, a king bed, a large closet, a small refrigerator, and a half bath, plus a balcony overlooking the lake. The home was renovated down to the studs, with double insulation, sheet rock, and textured walls. Foundation work includes added piers and a 3-foot footing along the back side of the home to the door. Outside, enjoy a covered porch, two carports, a lake pump, and additional land across the road with an approximately 1,600-square-foot barn and two storage buildings. Offered completely furnished, including all linens, kitchenware and appliances, this property could be a relaxing lake retreat or a potential Airbnb opportunity.

9436 County Road 204, Breckenridge

$179,900

3 Beds ⋅ 2 Baths ⋅ 21402999 MLS

Welcome to this beautifully remodeled 3 BR, 1.5 Bath home offering 1,216 sq ft of comfortable living space on a nice-sized corner lot measuring a little over a quarter of an acre. Conveniently located near the high school, this move-in-ready home combines modern updates with everyday functionality. The newly remodeled kitchen features butcher block countertops and updated finishes, creating a warm and inviting space for cooking and entertaining. Owner relocated the laundry from the kitchen to the guest bathroom to create more space in the kitchen. Additional updates include new doors, ceiling fans, decorative lighting, new PEX plumbing and new electrical panel boxes. Major improvements include a new roof installed in 2024, a new hot water heater, new ductwork, and an AC unit approximately 5 years old. The property also features a two car attached garage, providing convenient parking and storage. With its spacious corner lot, convenient location, extensive updates and move-in ready condition this home is a wonderful opportunity for buyers looking for comfort, quality and value in Breckenridge. This is an older home with modern updates while keeping the unique charm of the home. Come and see for yourself!

312 W Lindsey St, Breckenridge

$158,500

3 Beds ⋅ 2 Baths ⋅ 21398235 MLS

Looking for an affordable home in a quiet neighborhood? This brick 3 BR, 2 Bath home boasts all brand new energy efficient windows and sliding door going to the back patio. A new roof was installed 8 years ago and the Air Conditioning unit is only 9 years old, with 1 year left on it's warranty for added peace of mind. The hot water heater was installed in 2023. Walk into the front door to a freshly painted open living and dining area. Dining is connected to the kitchen which has a breakfast bar for extra seating. Pull into the carport and enter the home through the laundry room and then right into the kitchen for ease of unloading groceries and other items. There is a store room in the carport which also houses the hot water heater. Relax in the privacy fenced big back yard under the shade of two huge oak trees that shade most of the yard. This home is priced to sell and won't last long so call for your appointment now!

503 N Harding St, Breckenridge

$245,000

2 Beds ⋅ 2 Baths ⋅ 21396519 MLS

Waterfront Home on Private Road 2742 in Breckenridge, TX! This inviting 2-bedroom, 2-bath waterfront home sits on over half an acre in the North Coves First subdivision. The open-concept kitchen flows seamlessly into the dining and living areas, creating a bright and welcoming space for entertaining or relaxing. Both bedrooms feature large walk-in closets, and the home includes a separate utility room, central heat and air, all-electric utilities, and a durable metal roof. Outside, you'll find a spacious 3-car carport and a 25x20 storage building with an overhead door for all your lake toys and equipment. The highlight is the excellent ~20x20 boat dock complete with a boat lift, storage area, and fish cleaning station—perfect for easy lake access. The property is conveniently located near a public boat ramp and offers fantastic opportunities for fishing, boating, and lakeside living. A fantastic weekend retreat or full-time lake home. Tenant occupied home. 24 hour notice is required.

6401 Private Rd, Breckenridge

$165,000

4 Beds ⋅ 2 Baths ⋅ 21393104 MLS

Rare find! This spacious 4 bedroom, 2 bath home offers 2456 sq ft of living space on nearly half an acre. Inside you'll find hardwood floors, large open living and dining area, generous closets throughout, and a separate laundry room for everyday convenience. An additional den or bonus room that provides flexibility for a second living area, home office, game room, or whatever best fits your needs. Situated on a corner lot with a circle drive, the property offers convenient access and plenty of outdoor space. The large fenced yard provides room for entertaining, pets, gardening or outdoor activities, while mature trees provide wonderful shade. A detached garage and additional storage buildings offer even more functionality. Conveniently located near downtown with easy access to shopping and grocery stores, this property combines a great location with tons of potential. The home does need some TLC, making it a wonderful opportunity to bring your own ideas, updates and personal style to create a home that is truly your own!

901 W Hullum St, Breckenridge

$199,999

4 Beds ⋅ 2 Baths ⋅ 21390844 MLS

Welcome to 910 S Miller St! Situated on a large lot of over half an acre, this 2024 model doublewide gives you all the space and amenities you could want without the price tag! Inside there are 4 bedrooms, 2 baths, and 1,500 square foot of living space. The open concept living room combined with an eat-in kitchen makes this home feel much bigger than it is! Outside you will find multiple water meters and a 220v plug for a camper. Large mature oak trees in the back yard provide plenty of shade allowing you to enjoy this oversized lot to the fullest! Schedule your showing today and don't let this one slip away!

915 S Miller St, Breckenridge

$68,500

2 Beds ⋅ 1 Baths ⋅ 21388940 MLS

Affordable opportunity with plenty of potential! This 2-bedroom, 1-bath home offers 978 square feet and is ideal for investors, first-time buyers, or anyone looking for a project to make their own. While the home could benefit from updating, it features original wood doors that add character and hardwood flooring in select areas. The kitchen appliances convey, including a newer gas range, refrigerator, washer, and dryer, making it move-in ready while you update at your own pace. Whether you’re looking to add a rental property to your portfolio or create an affordable home with your personal touches, this property offers a great opportunity. Property is being sold as-is. Buyer and buyer’s agent to verify all information, including measurements, schools, taxes, and property details.

1208 W Walker St, Breckenridge

$335,000

3 Beds ⋅ 2 Baths ⋅ 21383170 MLS

Exceptional custom 2025 barndominium on 1.83 acres just outside the city limits of Breckenridge. A gated entrance welcomes you to this beautifully finished home completed by Reatherford Construction, offering quality craftsmanship and high-end finishes throughout. The 1,500-square-foot home features 3 bedrooms, 2 baths, an open floor plan, and vaulted ceilings in the living room and primary suite. The living area is highlighted by a custom fireplace with an electric insert for additional heat. The kitchen is truly the centerpiece of the home, featuring custom white oak cabinetry, quartz countertops, premium appliances, a gas cooktop, a large island with seating, and an open design that overlooks the living area—perfect for entertaining or everyday living. A split-bedroom layout provides privacy for the primary suite, while both bathrooms feature matching custom white oak cabinetry and quartz countertops. Enjoy approximately 500 square feet of covered front porch and an impressive 1,000-square-foot covered back porch, already plumbed and wired for an outdoor kitchen. The property also includes a dedicated RV hookup with water, electric, and its own septic system, making it ideal for your RV or the perfect location for a future shop. A rare opportunity to own a custom-built barndominium with luxury finishes, expansive outdoor living, and room to grow.

1219 County Road 224, Breckenridge

$250,000

3 Beds ⋅ 3 Baths ⋅ 21376153 MLS

Exceptional value with space to spare and key improvements already completed! Situated on a corner lot of more than half an acre, this three-bedroom, three-bath home offers a generous layout, versatile spaces, and the opportunity to make it your own. New vinyl flooring throughout, completed foundation repairs, and a roof less than two years old give buyers a head start on its next chapter. Two living areas, a separate dining room, two fireplaces, and a sunroom provide plenty of room for gathering and relaxing. The primary bedroom features a private bath, while a mudroom, spacious laundry room with cabinetry and a sink, and abundant closets add everyday convenience. Outside, a three-car carport, additional storage, and a workshop with electricity offer even more functionality. The home needs a buyer’s vision to finish updating to their taste, and its combination of space, lot size, and recent improvements makes it a standout opportunity. Sellers welcome all offers and all loan types, subject to lender and property requirements. Discover how much possibility this property has to offer!

1011 E Connell St, Breckenridge

$399,000

4 Beds ⋅ 2 Baths ⋅ 21378333 MLS

Lake living with room for everyone! This move-in-ready 2019, 4-bedroom, 2-bath, 1904 sqft home on Hubbard Creek Lake offers space that can be hard to find in this area. A Great combination of indoor comfort and outdoor living created with you in mind. Located outside the city limits, this home features an attractive rock exterior, metal-covered porches, solar panels, and a move in ready updated interior. Inside, you’ll find an open and inviting floorplan with a spacious kitchen featuring a large island, stainless appliances, farmhouse-style sink, pantry, complete with tile backsplash. Updated finishes are continued into the bathrooms, making this home truly ready for its next owners. Primary suite offers a spacious bedroom and en-suite bath featuring a freestanding soaking tub, stand-alone shower, with double vanity. 3 additional bedrooms provide plenty of space for family, guests, a home office, or hobby room. A dedicated Laundry room with drop zone, built in cabinetry, and additional freezer space for everyday functionality. Step outside and enjoy all the amenities which is where this property really shines! Enjoy the swimming pool, covered outdoor living areas perfect for entertaining, pier, storage building, and carport, with plenty of room to relax and enjoy the West Texas outdoors. A storage building for all your outdoor yard tools, an aerobic septic system and solar panels add to the property’s features. With 4 bedrooms, lake access, a pool, and a location outside the city limits, this Hubbard Creek Lake property offers a combination you don’t find every day. Move in and start enjoying lake life!

236 Fm 3201, Breckenridge

$169,500

21362122 MLS

Opportunity awaits you with this unfinished barndominium! This building was built with the intention of being finished out into a barndominium but life had other ideas. Don't let this one get past you! This is a 60x40 shop that is insulated, ran with electrical, plumbed in, with two septic tanks that have never been used. There are two roll-up doors and two man doors with a second story for storage, or potential living space. Lakefront home also available across the street. MLS# 21360029

355 County Road 1, Unit 2, Breckenridge

$314,900

4 Beds ⋅ 2 Baths ⋅ 21360029 MLS

Lakefront living is hard to beat, and 355 County Road 221 offers the space, views, and amenities to enjoy it to the fullest. This impressive property features a private dock, spacious home, workshop, and insulated four-car garage, providing plenty of room for vehicles, lake toys, hobbies, and storage. The back porch and patio serve as a perfect setting for a morning cup of coffee while watching the sun rise over the water. The large picture windows in the living room allow for natural light to flow into the home. Inside, you are welcomed with vaulted ceilings, granite countertops, 4 bedrooms, 2 bathrooms, with an additional utility room. With the roof replaced in 2025 and warrantied foundation work by Hat Creek Foundation done in 2025, you can rest easy knowing this property has been well cared for. Outside, the insulated four-car garage with automatic door openers and additional workshop offer exceptional storage and workspace. Whether you're looking for a full-time lakefront residence or a weekend retreat, this property has everything you need to make the most of life on the water. Properties offering this combination of lake frontage, a private dock, generous garage space, workshop, and beautiful views don't come along often. Don't miss your opportunity to make this one yours! Seller is offering $5,000 in concessions with an acceptable offer. Additional unfinished Barndominium across the road is available. MLS#20755604

356 County Road 221, Breckenridge

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Listings provided by North Texas Real Estate Information Systems (NTREIS). Listing data has been deemed reliable but is not guaranteed to be accurate by the MLS.

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