Lincoln County Homes under $400,000

Lincoln County Homes under $400,000

Welcome to Lincoln County, Missouri, a hidden gem that beautifully blends small-town charm with the conveniences of modern living. Nestled just a short drive from the bustling city of St. Louis, Lincoln County offers a serene escape surrounded by picturesque landscapes, lush parks, and vibrant communities. With a rich history and a strong sense of community, it’s no wonder that families, retirees, and young professionals are flocking to this welcoming area.

One of the standout features of Lincoln County is its diverse range of homes available, particularly for those seeking options under $400,000. Whether you’re looking for a cozy starter home, a spacious family residence, or a charming cottage, Lincoln County has something to suit every taste and budget. Many properties boast modern amenities, open floor plans, and beautiful outdoor spaces perfect for entertaining or simply enjoying the tranquil surroundings.

The county is also known for its excellent schools, a variety of recreational activities, and a strong sense of community spirit. Residents can enjoy local parks, hiking trails, and community events that foster connections among neighbors. With affordable housing options, Lincoln County is an ideal place to plant roots and build a future.

Explore the possibilities that await you in Lincoln County, where your dream home is within reach, and a vibrant community is ready to welcome you. Discover why so many are choosing to call this beautiful area home—your perfect property is waiting!

Newest Lincoln County Homes under $400,000

175 Tall Tree Ln, Foley
$268,000
3 Beds ⋅ 3 Baths ⋅ 26063705 MLS ⋅ ACTIVE Status
Take a look at this great 3 bdrm 3 bath Hart doublewide that has been extensively remodeled. New roof in June 2026. Front door replaced in 2022. Kitchen countertops and backsplash and flooring replaced in 2022. Both bathrooms, vanities and flooring replaced in 2023. Kitchen pantry added in 2024. Andersen windows installed in front of home in 2023. Basement finished in 2025. Basement french doors replaced 2024. Basement stairs and wall replaced going downstairs in 2022. Open front yard for the kids to enjoy and woods to the rear of property for privacy. Fireplace is decorative and no longer functioning.

175 Tall Tree Ln, Foley
901 Main St, Troy
$270,000
3 Beds ⋅ 1 Baths ⋅ 26063687 MLS ⋅ COMING SOON Status
Welcome to 901 Main St in Troy! This 3 bedroom, 1 bathroom home offers comfortable living with plenty of space to make your own. Step inside to find beautiful hardwood floors in the living room and a functional layout throughout. The former garage has been converted into a bonus/game room, providing additional space perfect for entertaining, a home office, playroom, or second living area. The partially finished basement offers even more usable space along with plenty of potential. Outside, enjoy a roughly 12' x 14' deck located just off the side of the home- great for relaxing, grilling, or entertaining. Conveniently located in Troy with easy access to local shopping, dining, schools, and amenities. Schedule your showing and come see what this home has to offer.

901 Main St, Troy
153 Canyon Creek Cir, Moscow Mills
$379,900
3 Beds ⋅ 3 Baths ⋅ 26063563 MLS ⋅ ACTIVE Status
New Construction villa with over 2650sf of living space in Moscow Mills. Stunning brick & stone elevation exterior w/ delightful architecture features inside the home. Main floor has 9' tall ceilings w/impressive great room, vaulted ceiling, beautiful fireplace. Laminate flooring throughout great room, breakfast room & kitchen. Enjoy cooking in a lovely kitchen featuring custom cabinetry, huge island, solid surface counters, SS appliances opening right into the bright breakfast room. Spacious master w/vaulted ceiling, large master bath w/separate tub, shower, dual sinks & spacious walk-in closet. Also on main level a nice sized additional bedroom, full bath, laundry area and covered deck. Lower level walkout is finished with large recreation room, additional bedroom and full bath. Great location, minutes from Hwy 61 & Hwy 47!

153 Canyon Creek Cir, Moscow Mills
202 2nd St, Winfield
$240,000
3 Beds ⋅ 2 Baths ⋅ 26063550 MLS ⋅ ACTIVE Status
Welcome to this beautifully reimagined 3-bedroom, 1.5-bath home in Winfield, Missouri! Taken down to the exterior walls and thoughtfully rebuilt with quality and style in mind, this home offers the feel of a brand-new property without the wait. The stunning kitchen features stainless steel appliances that stay, quartz countertops and backsplash, soft-close wood cabinetry with crown molding, epoxy flooring, and a convenient pantry. Just off the kitchen, the bright and inviting living room showcases beautiful high-end luxury vinyl plank flooring. Two bedrooms are located off the living room, while the third bedroom is conveniently situated just off the kitchen, with all three bedrooms featuring ceiling fans. The utility room includes a brand-new gas furnace, 40-gallon gas water heater, and electric stackable washer and dryer that stay with the home. A completely new half bath was also added, providing an additional touch of convenience. The full bathroom has been beautifully finished with porcelain tile flooring, a floor-to-ceiling cultured marble shower surround, and all-new fixtures. With extensive updates throughout, no one has lived in the home since the work was completed—so you’ll be the first to enjoy it! Additional improvements include a new roof, gutters, fresh interior and exterior paint, and a newly installed privacy fence with a gate providing access to the driveway from the alley. A second driveway has also been added from 2nd Street, providing additional parking and accessibility. And the possibilities continue! Included with the property is an additional 60’ x 100’ lot, complete with city sewer, water, and electric—offering plenty of room for future plans, additional parking, recreation, or whatever you envision. Conveniently located just off Highway 79 in town and approximately 20 minutes from both O’Fallon and Troy, this exceptionally clean, move-in-ready home offers an incredible combination of modern updates, extra space, and future potential. Come see all that this beautifully transformed property has to offer!

202 2nd St, Winfield
36 New Hope Rd, Elsberry
$225,000
4 Beds ⋅ 2 Baths ⋅ 26059985 MLS ⋅ COMING SOON Status
Discover the charm of peaceful living at 36 New Hope Rd in Elsberry, MO! Tucked away from the hustle and bustle, this spacious 4-bedroom, 2-bath slab home offers a comfortable layout with plenty of room to spread out. Step inside to a generously sized living room featuring beautiful exposed wood beams that add warmth and character to the space. The functional, single-level floor plan offers the convenience of no basement stairs. Outside, you'll find a HUGE backyard with endless possibilities for entertaining, gardening, outdoor activities, or simply relaxing and enjoying the peaceful surroundings. If you're looking for a home that's a little off the beaten path, with plenty of indoor and outdoor space to make your own, this one is worth a look! Come see the possibilities at 36 New Hope Rd!

36 New Hope Rd, Elsberry
181 Granite Pointe Ln, Winfield
$225,000
4 Beds ⋅ 3 Baths ⋅ 26063389 MLS ⋅ ACTIVE Status
Welcome to 181 Granite Pointe Lane in the desirable Whitehawk subdivision! Tucked away on a quiet cul-de-sac and sitting on an impressive .42-acre lot, this 4-bedroom, 3-bath home offers an incredible amount of space and value at $225,000. The main level features a comfortable layout with three bedrooms, a full bathroom, and a convenient main-level laundry room. The main-level bedrooms have brand-new carpet, giving the home a fresh, move-in-ready feel. Head downstairs to the walk-out basement, where the possibilities really open up. The partially finished lower level includes a fourth bedroom, full bathroom, and an additional sleeping room that is nearly finished. Whether you need space for guests, a home office, recreation, or extended living, there is plenty of flexibility here. Outside, the large .42-acre lot provides plenty of room to enjoy, while the cul-de-sac location adds privacy and a peaceful neighborhood setting. Four bedrooms, three bathrooms, a walk-out basement, main-level laundry, brand-new bedroom carpet, and a huge lot—all for $225,000. This is an opportunity you won't want to miss!

181 Granite Pointe Ln, Winfield
22 Gnade Rd, Elsberry
$324,750
2 Beds ⋅ 1 Baths ⋅ 26063470 MLS ⋅ ACTIVE Status
Presenting 6 +/- surveyed acres in Lincoln County, Missouri, offering a compelling opportunity for private country living with modern conveniences. This property features a meticulously updated 1958 residence, thoughtfully situated towards the back of the acreage to maximize seclusion. The location strikes an ideal balance, providing rural tranquility while remaining accessible, just 10 minutes from Elsberry and a comfortable 45-minute drive to Wentzville and major highway connections via Hwy 79 and 70. The 1300 Sq. Ft. home has undergone significant recent improvements, making it move-in ready. It offers 2 bedrooms and 1 bathroom, complemented by a full basement and a single-car garage. Recent upgrades include a new roof, a complete electrical panel and service update, and an updated bathroom. The kitchen is equipped with new appliances, including a refrigerator, stove/oven, dishwasher, and microwave. Additionally, new ceiling fans have been installed in each room, enhancing comfort. The property itself comprises 5 +/- acres of rolling pastureland, 90% fenced, set upon a desirable ridge-top topography that affords expansive 360-degree views. This residential parcel is accessed via a gravel road and is fully equipped with essential utilities, including electric service, a private well, and septic system. The benefit of zero restrictions allows for flexibility in land use and enjoyment, catering to those seeking genuine rural autonomy. An upstairs laundry room/foyer/mud room adds practical functionality to the home.

22 Gnade Rd, Elsberry
35 Chinkapin Ct, Troy
$365,000
4 Beds ⋅ 4 Baths ⋅ 26063221 MLS ⋅ ACTIVE Status
Spacious 3+ bedroom ranch with possible 4 bedrooms & 4 baths (3 full baths & 1 half bath); open floor plan, vaulted ceilings, very large walk-in pantry, more than adequate private main floor laundry room, lots of kitchen cabinets; 2 dishwashers in kitchen, & breakfast/dining room area. Split bedroom floor plan with good sized primary bedroom & tray ceiling, huge walk-in closet, luxury bath, dual basins, jetted tub, & separate shower. All good sized bedrooms, large double closets, many windows throughout, composite deck off breakfast/dining area & partially finished LL w/possible 4th bedroom/office/den & full bath, & lots of storage area. Aggregate patio across back of house, above ground pool, .64/acre lot backing to trees & woods, 3 car garage & aggregate 3 car driveway! A lot of house for the $$$$$$. Annual HOA fee is $150 and water is $55/month. Seller is offering a one year Home Protection Plan to buyers at closing. This house is going to sell fast so please schedule your appointments NOW and be in your new home for the Holidays!!!!

35 Chinkapin Ct, Troy
162 Oakwood Dr, Foley
$99,900
3 Beds ⋅ 2 Baths ⋅ 26063275 MLS ⋅ ACTIVE Status
3 bdrm 2 bath single wide mobile on 2 beautiful acres with newer 30X70 shop with two huge garage doors and hookup for camper-this can be incredible place to build on! to be sold as is-county water

162 Oakwood Dr, Foley
181 Harris St, Troy
$349,000
3 Beds ⋅ 2 Baths ⋅ 26062798 MLS ⋅ COMING SOON Status
Brand new without the cookie-cutter subdivision feel! Welcome to 181 Harris Street, where new construction meets the charm of an established Troy neighborhood. This 3-bedroom, 2-bath home offers 1,400 sq. ft. with quartz countertops, modern finishes, and a primary suite complete with a walk-in closet. The roomy 2-car garage has space for a full-size truck, while the unfinished lower level is ready for whatever comes next—with a bathroom rough-in and egress window already in place for a potential 4th bedroom. Set on a city lot in a mature neighborhood close to town, this one gives you the best of both worlds: everything is new, but the neighborhood isn’t! *Agent Owned

181 Harris St, Troy
117 Hickory Dr, Troy
$264,900
3 Beds ⋅ 3 Baths ⋅ 26063161 MLS ⋅ COMING SOON Status
Say "Home Sweet Home" to the perfect place you've been looking for! Located right in the heart of Troy, this 3 bed, 2.5 bath home has been so well taken care of and ready for you to move in. You will find tons of cabinets, pantry and counter space in this great eat in kitchen; off the kitchen you will find sliding glass door to back yard that has tons of room with large deck and is fully fenced. Home also has spacious two car garage with extra space for storage. You will find main floor laundry just off kitchen as well as a second laundry hook up in basement. Full basement is a walk out and holds a half bath that could be extended into a full bath. More info and professional pictures to come; home is scheduled to go active after labor day. Schedule your showing today!

117 Hickory Dr, Troy
74 Wild Horse Dr, Unincorporated
$229,900
3 Beds ⋅ 2 Baths ⋅ 26063222 MLS ⋅ ACTIVE Status

74 Wild Horse Dr, Unincorporated
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