Clay Homes under $400,000

**Discover the Charm of Clay Township, Indiana**

Nestled in the heart of Indiana, Clay Township is a hidden gem that perfectly blends small-town charm with modern conveniences. With its picturesque landscapes, friendly neighborhoods, and a strong sense of community, it’s no wonder that families and individuals alike are drawn to this delightful township.

Clay Township boasts a variety of amenities that cater to residents of all ages. Enjoy leisurely afternoons at local parks, where children can play, and families can gather for picnics. The township is also home to excellent schools, ensuring that education is a top priority for families. With a thriving local economy and easy access to nearby urban centers, residents enjoy the best of both worlds: a peaceful suburban lifestyle with the excitement of city living just a short drive away.

One of the most appealing aspects of Clay Township is its diverse real estate market. For those seeking affordable housing options, you’ll be pleased to discover a selection of charming homes available for under $400,000. From cozy single-family homes to contemporary townhouses, there’s something to suit every taste and budget. These properties often feature spacious yards, modern amenities, and are situated in welcoming neighborhoods, making them perfect for first-time buyers or those looking to downsize.

Whether you’re drawn to the community spirit, the beautiful surroundings, or the affordable housing options, Clay Township is an inviting place to call home. Explore the possibilities today and find your perfect slice of Indiana paradise!

Newest Clay Homes under $400,000

$259,900

3 Beds ⋅ 2 Baths ⋅ 202641027 MLS ⋅ 1,581 SqFt. ⋅ Kara Hinshaw

Welcome to 900 S Melody Ln, a 3-bedroom, 2-bath brick home offering 1,581 sq ft of inviting living space in Santa Claus. From the moment you arrive, the spacious acreage and welcoming exterior set the stage for a property with room to enjoy, relax, and make your own. Inside, a gas fireplace creates a warm focal point, while the attached 2-car garage provides everyday convenience. A barn adds valuable versatility for storage, hobbies, or equipment, and the bonus lot provides even more possibilities. With 0.49 acres, multiple outbuildings, and a comfortable home, this property offers a wonderful opportunity to enjoy space and country living in a truly inviting setting.

900 S Melody Ln, Santa Claus

Listing courtesy of Kara Hinshaw from Key Associates Signature Realty. Cell: 812-686-3268

$376,000

4 Beds ⋅ 3 Baths ⋅ 202641003 MLS ⋅ 2,847 SqFt. ⋅ Kim Hahn

Welcome home to this meticulously cared-for 2-story home in Granger, offering over 3,000 square feet of finished living space on approximately 1/3 acre. Updated kitchen features include newer granite countertops, newer stainless steel appliances, all of which remain with the home. The spacious floor plan also includes a formal dining room with bay window and slider door that leads to the patio and a comfortable living room. Upstairs, the primary suite offers a private en-suite bath and walk-in closet, along with three additional bedrooms. With 4 bedrooms and 2.5 baths, there is plenty of room for family, guests or a home office. The finished lower level expands your living and entertaining space with a recreation room and dedicated home theater room featuring surround sound—perfect for movie nights, game days and gatherings. Step outside and discover a private backyard designed for entertaining or simply relaxing at home. Enjoy the beautiful brick paver patio, natural gas fire pit, hot tub and swing set, creating an inviting outdoor retreat with something for everyone. A GENERAC whole-home generator provides additional comfort and peace of mind. With generous indoor and outdoor living spaces, a finished lower level and an amenity-filled backyard, this Granger home is ready to welcome it's next owner to move in an enjoy!

52566 Farmingdale Dr, Granger

Listing courtesy of Kim Hahn from eXp Realty, LLC. Cell: 574-218-4104

$282,900

4 Beds ⋅ 3 Baths ⋅ 202640937 MLS ⋅ 2,108 SqFt. ⋅ Megan Landrum

Completely remodeled and move-in ready! This 4-bedroom, 2.5-bath home in Northwestern School District sits on just under half an acre and offers both a living room and family room, separate dining room, large mudroom, dedicated laundry room, and attached 2-car garage. Major updates include a brand-new kitchen with quartz countertops, new cabinets, sink, lighting, and appliances, plus new flooring, carpet, paint, lighting, hardware, and A/C throughout. The primary ensuite has been completely redesigned with a walk-in shower, new vanity, toilet, and lighted mirror, and both additional bathrooms have been fully updated. Outside, the deck and gazebo have been freshly painted, the exterior pressure washed, and landscaping cleaned up. The work is done — just move in and enjoy.

479 N 480 W, Kokomo

Listing courtesy of Megan Landrum from The Hardie Group. Main: 765-457-7214

$314,900

3 Beds ⋅ 2 Baths ⋅ 202640907 MLS ⋅ 2,088 SqFt. ⋅ Stephen Smith

Welcome to this well-maintained quad level home offering 3 bedrooms, 1.5 baths, and an abundance of space both inside and out. This home combines comfortable living with practical features and improvements. This inviting layout provides multiple levels of living space and plenty of flexibility. The main level boasts newer LVP flooring throughout the large living room, formal dining room and kitchen. The kitchen offers stainless-steel appliances: the electric stove and refrigerator were replaced in 2025 and the dishwasher was replaced in 2024. Two of the bedrooms include hardwood flooring with the primary bedroom having direct access to the full-bathroom. The finished lower level adds even more room to spread out and features a HUGE living / recreational room with a cozy masonry fireplace, as well as a bonus room that would be perfect for a home office or craft room. Step outside to enjoy the front covered porch or enjoy the outside spacious and private, fully fenced backyard featuring a large patio, beautiful landscaping, and shed for additional storage. Major mechanical updates provide added peace of mind, including a new AC and furnace in 2025. Additional improvements include a water softener replaced in 2016, water tank installed in 2018, 225-amp electrical service. Comes with a 2 year-old whole home generator - Briggs & Stratton.

53332 Oakton Dr, South Bend

Listing courtesy of Stephen Smith from Irish Realty. steve.smith@irishrealty.net

$185,000

3 Beds ⋅ 1 Baths ⋅ 202640774 MLS ⋅ 1,196 SqFt. ⋅ Chelsea Detamore

Charming west side ranch in Northwestern School District! Welcome home to this beautifully maintained, move-in-ready 3-bedroom, 1-bathroom ranch offering nearly 1,200 square feet of comfortable living space. Located on the highly desirable West side of Kokomo, this home perfectly blends classic character with an impressive list of recent, big-ticket updates. Step inside to find beautiful original hardwood floors and timeless ceramic tile running seamlessly throughout the functional layout. The heart of the home features a large kitchen and dining room setup. The home is complemented by ample closet space throughout to handle all your storage needs. Breathe easy knowing a premium Aprilaire whole-house air purifier was professionally installed in the spring of 2023. The exterior boasts fantastic curb appeal with fresh paint, new gutters, and new downspouts all completed in the summer of 2021. Take in peaceful mornings with a cup of coffee on the patio, and enjoy extra outdoor storage in the backyard shed, which features a brand-new roof (2024). Best of all, the A/C was completely replaced in 2021, offering total peace of mind for years to come. Don't miss this turnkey gem in a fantastic school district—schedule your private tour today!

1052 N 400 W Rd, Kokomo

Listing courtesy of Chelsea Detamore from Apple Tree Realty, LLC. Cell: 765-419-8411

$355,000

3 Beds ⋅ 2 Baths ⋅ 202640685 MLS ⋅ 1,638 SqFt. ⋅ Paul Thurston

** HIGHEST AND BEST DUE - SATURDAY, OCTOBER 3, 2026 BY 2:00PM - EXPIRING NO SONNER THAN SUNDAY OCTOBER 4, BY 6:00PM *** Beautiful quality-built villa near Notre Dame offering comfortable, maintenance-free living in a peaceful South Bend community! This well-designed 1,600 sq. ft. one-story ranch features a functional layout, split floor plan with 3 bedrooms, 2 full baths, a spacious primary suite, main-level laundry, and an attached 2-car garage. The inviting kitchen and dining area feature gleaming hardwood flooring, while the convenient laundry room just off the garage offers a closet and additional cabinetry for storage. Enjoy relaxing outdoors on the deck overlooking the nicely landscaped backyard. Monthly association dues of just $170 cover lawn care, snow removal, and irrigation, allowing you to enjoy true low-maintenance living. Municipal water and sewer add to the convenience. Home is truly move-in ready. Conveniently located near Notre Dame, shopping, dining, medical facilities, and major roadways, this villa offers an ideal combination of comfort, privacy, accessibility, and easy living.

17829 Bay Hill Dr, South Bend

Listing courtesy of Paul Thurston from Open Door Realty, Inc. Cell: 574-993-5858

$299,000

3 Beds ⋅ 2 Baths ⋅ 202640638 MLS ⋅ 1,950 SqFt. ⋅ Shaquia Hairston

Check out this charming 3-bedroom, 2-bathroom home nestled at the end of a quiet cul-de-sac! This inviting home features an updated kitchen and beautifully updated bathroom, offering a fresh and comfortable living space. Enjoy the peace and privacy of a partially wooded backyard, perfect for relaxing, entertaining, or enjoying the outdoors. The home also offers a full unfinished basement, providing plenty of additional space for storage, a workshop, recreation, or the opportunity to create your own finished living area. Located in a peaceful setting with plenty of potential, this home is ready for its next owner to make it their own. Come take a look—you may have just found your next home!

18304 Cypress Dr, South Bend

Listing courtesy of Shaquia Hairston from Heartfelt Homes Realty. Office: 574-400-3295

$265,000

3 Beds ⋅ 2 Baths ⋅ 202640634 MLS ⋅ 2,000 SqFt. ⋅ Jill Brenay

Brick ranch in Clay Township on large lot. Storage galore in finished lower level and (2)outbuildings. Vaulted sunroom, central air, 3 bedrooms. In-ground Gunite pool. Home is sold as is and needs some. Close to universities.

19282 Marion Ave, South Bend

Listing courtesy of Jill Brenay from RE/MAX 100. Cell: 574-315-3902

$289,000

3 Beds ⋅ 3 Baths ⋅ 202640498 MLS ⋅ 2,074 SqFt. ⋅ Kirsten Sharpe

One-owner all-brick ranch offering an impressive amount of space, storage, and comfortable living on a spacious corner lot! This 3-bedroom, 2.5-bath home features large bedrooms, abundant closet space, and new carpet throughout the main level. The eat-in kitchen provides plenty of counter space, while the formal dining room features a bay window overlooking the spacious back yard. Enjoy both a living room and family room, plus a wonderful three-season sunroom with access to the patio and fenced yard. The primary bedroom includes an ensuite bath with tub/shower. Main-level laundry adds convenience, and the unfinished lower level provides excellent storage or future possibilities. A two-car attached garage and garden shed provide additional functionality. Furnace and central air replaced in 2018; water heater replaced in 2016. A well-maintained home with generous living spaces and plenty of room to make it your own!

17971 Darden Rd, South Bend

Listing courtesy of Kirsten Sharpe from Sharpe Realty, LLC. Cell: 574-339-7959

$80,000

3 Beds ⋅ 1 Baths ⋅ 202640450 MLS ⋅ 2,617 SqFt. ⋅ Cheryl Sizemore

Opportunity Awaits! Love the charm and character of an older home and aren't afraid to put in a little work? This could be the opportunity you've been waiting for! Full of character and potential, this charming home is ready for someone to bring it back to life and make it their own. Enjoy small-town living with plenty of room for the family and a spacious backyard. The main level features two bedrooms, a living room, formal dining room, and a kitchen with laundry area. Upstairs, the finished attic offers two additional rooms, providing plenty of flexible space for bedrooms, an office, playroom, or hobbies. The home currently has one generously sized bathroom. The basement houses the mechanicals, keeping them tucked away while leaving the rest of the home's storage areas more accessible. And don't forget the covered front porch-the perfect spot to settle into a rocking chair, relax, and enjoy the charm of small-town life. Bring your vision, your creativity, and a little TLC, and give this old charmer the love it deserves!Seller uses Service Link, if buyer wants to choose title company they will be responsible for all fees. No offers will be responded to until the home has been on the market for 10 days. You can submit anytime, just allow for response time. Home sold AS-IS.

5298 Milton St, Coatesville

Listing courtesy of Cheryl Sizemore from Brick and Ivy Real Estate. cherylsizemoresells@gmail.com

$315,000

4 Beds ⋅ 3 Baths ⋅ 202640448 MLS ⋅ 2,390 SqFt. ⋅ Jordin Youst

This is the move-in-ready home you have to see in person! Beautifully updated from top to bottom while preserving all the character that makes an older home special, this 4-bedroom, 2.5-bath home sits on a spacious corner lot of more than half an acre in the Northwestern School District. The open kitchen and living area was made for entertaining, featuring a stunning brand-new kitchen and gorgeous wood beams that bring warmth and personality to the space. Enjoy your morning coffee in the front courtyard, let the kids and pets play in the fenced-in area off one of the two decks, or unwind on the second deck overlooking the beautiful property. Nearly everything is brand new, including the roof, furnace, air conditioner, water heater, kitchen, flooring, paint, and more. With plenty of space for family and guests, timeless charm, and absolutely no projects waiting for you, this one is truly a must-see!

1001 N Hickory Ln, Kokomo

Listing courtesy of Jordin Youst from Rose Gold Realty.

$249,000

3 Beds ⋅ 1 Baths ⋅ 202640336 MLS ⋅ 1,092 SqFt. ⋅ Chelsea Revella

**OPEN HOUSE Sunday, October 4th 2-4PM** This adorable 3-bedroom, 1-bath ranch has been thoughtfully remodeled, offering a fresh, modern feel while maintaining the comfort and functionality of a classic ranch home. Remodeled in late 2023, the home features new lighting and matte black door hardware throughout, along with a beautifully redesigned kitchen featuring crisp white cabinetry, butcher block countertops, a new tile backsplash, stainless steel appliances, gas cooking, a convenient island/breakfast bar, and plenty of storage. The updated bathroom offers a clean, modern design with a new tub and shower surround, contemporary sink, and tall oval toilet. The full, tall basement provides a clean blank slate with plenty of potential to create additional living, recreation, hobby, or storage space to suit your needs. An oversized 2-car garage offers plenty of room for parking and additional storage. Additional updates include a new septic system with tank and field installed in fall 2023, new fence, new water heater, new well tank, and an added electrical hookup for an electric dryer. Located in an exceptional area close to Notre Dame, hospitals, schools, shopping, restaurants, the Toll Road, and more, this charming ranch offers a wonderful combination of updates, potential, and convenience.

54525 28th St, South Bend

Listing courtesy of Chelsea Revella from McKinnies Realty, LLC Elkhart. Cell: 574-309-4350

Start Your Search

Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.