Ocala Homes under $400,000

Ocala Homes under $400,000

Welcome to Ocala, Florida, a hidden gem nestled in the heart of Marion County. Known for its picturesque landscapes, rich equestrian heritage, and vibrant community, Ocala offers a delightful blend of small-town charm and modern amenities. Whether you’re a first-time homebuyer, looking to downsize, or seeking a serene place to retire, Ocala has something for everyone.

One of the most enticing aspects of this city is its affordability. With homes available under $400,000, you can find your dream property without breaking the bank. From cozy single-family homes to spacious townhouses, Ocala’s real estate market boasts a variety of options that cater to diverse lifestyles and budgets. Picture yourself in a charming home surrounded by lush greenery, enjoying the warm Florida sun while being just a stone's throw away from local parks, shopping, and dining.

Ocala is also renowned for its equestrian culture, with numerous horse farms and events that attract enthusiasts from all over. The city is home to the stunning Ocala National Forest, providing ample opportunities for outdoor adventures like hiking, fishing, and horseback riding.

With its friendly atmosphere, excellent schools, and a strong sense of community, Ocala is not just a place to live but a place to thrive. Discover the perfect home in this enchanting city, where affordability meets the beauty of Florida living. Explore your options today and see why so many are choosing to call Ocala home!

Newest Ocala Homes under $400,000

11114 Sw 76th Terrace, Ocala
$299,900
3 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
Your Florida Retreat Awaits in This Desirable 55+ Gated Community! One of the community’s most appealing homes, this distinctive 3-bedroom, 2-bath residence with a 2-car garage combines inviting curb appeal with a private, retreat-like backyard featuring an in-ground pool and fencing. Located in SW Ocala, this home offers a wonderful setting for comfortable Florida living, entertaining, and relaxing at home. Inside, the spacious living room welcomes you with cathedral ceilings and a grand fireplace showcased on a striking feature wall. The adjoining dining area provides plenty of room for holiday celebrations and special gatherings with family and friends. Just steps away, the kitchen features a convenient breakfast area and French doors (2024) opening to the patio and pool – perfect for enjoying Florida’s outdoor lifestyle. The spacious primary suite offers a peaceful retreat, complete with a generous walk-in closet and an en-suite bath featuring an accessible, barrier-free shower and vanity. The desirable split-bedroom floor plan provides added privacy for guests, who will appreciate the spacious secondary bedrooms and beautifully updated guest bathroom. A well-equipped laundry room with washer, dryer, utility sink, and ample storage adds everyday convenience. Notable Updates: Roof (2023), tankless water heater (2024), garbage disposal (2026), and A/C (2014). Amenities include a clubhouse, pool, pickleball court, and a variety of social activities. The modest monthly managemant fee covers trash service, 24-hour guarded gate access, maintenance of common areas, and use of clubhouse facilities. Golf carts are permitted and optional RV/boat storage may be available for a reasonable fee. Convenient to I-75, the World Equestrian Center, shopping, dining, and medical facilities, with easy access to Gainesville and Orlando.

11114 Sw 76th Terrace, Ocala
9439 Sw 85th Ave Road, Ocala
$136,900
2 Beds ⋅ 2 Baths ⋅ Friendship Villiage SubDv. ⋅ 34481 Zip Code
Welcome to this meticulously maintained two-bedroom, two-bathroom, 1 car garage home located in the desirable tree lined streets in Friendship Village of On Top of the World. Featuring a comfortable, functional layout, this inviting home is perfect for enjoying a relaxed and convenient lifestyle. Inside, you’ll find a bright, functional kitchen equipped with modern stainless steel appliances, crisp cabinetry, tile flooring, and a double-basin sink area. The kitchen blends practicality with a welcoming atmosphere. The home flows seamlessly into cozy living areas featuring neutral carpeting that adds warmth and comfort. The spacious primary suite offers a tranquil retreat, complete with a generous walk-in closet providing plenty of room for clothing and storage. Tile flooring in the kitchen and main bathroom offers durability and easy maintenance, while carpeting throughout the living areas enhances the home’s comfortable feel. This Home has a 2026 roof, tankless hot water heater, newer Windows in 2017 and in close proximity to the mailboxes. Pride of ownership is evident throughout this well-cared-for residence. Situated in a premier 55+ active adult community, this move-in ready villa offers effortless low maintenance living. Centrally located 20 minutes from the World Equestrian Center.

9439 Sw 85th Ave Road, Ocala
1 Hemlock Terrace Run, Ocala
$244,900
3 Beds ⋅ 2 Baths ⋅ Silver Spgs Shores Un 19 SubDv. ⋅ 34472 Zip Code
Under Construction. Beautiful NEW construction home in desirable SE Ocala neighborhood, completed and move in ready. Nice lot with 3 bedrooms, 2 baths in an open concept split floor plan. Home features great curb appeal, granite counters, real wood cabinets, stainless steel appliances, luxury vinyl plank throughout, ceiling fans, upgraded light fixtures. Master suite with WIC and private bath with tiled shower. Landscape package, inside laundry, and 2 car garage. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Builder has other similar homes available as well.

1 Hemlock Terrace Run, Ocala
13964 Sw 30th Terrace Road, Ocala
$239,900
3 Beds ⋅ 2 Baths ⋅ Marion Oaks Un 01 SubDv. ⋅ 34473 Zip Code
Welcome to comfortable, low-maintenance living at 13964 SW 30th Terrace Rd in Ocala's established Marion Oaks community. Built in 2021, this inviting single-family home offers over 1,200 square feet of thoughtfully designed interior space with three bedrooms and two full bathrooms. Inside, an open, functional layout maximizes every square foot, highlighted by fresh new interior paint that brightens the entire home, an inviting living area, and a primary suite complete with a spacious walk-in closet. Contemporary construction delivers energy efficiency and peace of mind with newer systems throughout. Step outside or head into the garage to find sleek, durable epoxy-coated flooring that elevates both the garage and patio spaces. Situated on a generous quarter-acre lot, the property provides a sizable yard with endless potential for outdoor entertaining, gardening, or weekend relaxation under the Florida sunshine. Located just minutes from neighborhood schools, parks, shopping, and dining, this home offers the ideal blend of modern convenience, comfort, and value for first-time buyers, anyone looking to simplify, or savvy investors alike. Call today and schedule a tour!

13964 Sw 30th Terrace Road, Ocala
7943 Sw 7th Place, Ocala
$139,000
2 Beds ⋅ 2 Baths ⋅ Falls Of Ocala SubDv. ⋅ 34474 Zip Code
Welcome to easy, carefree living in this well-maintained 2-bedroom, 2-bath home in a conveniently located 55+ community. Whether you're searching for a seasonal retreat or a full-time residence, you'll appreciate being close to shopping, restaurants, and medical offices. Most furnishings are also available for separate purchase, offering the opportunity for a seamless move-in. Neat as a pin, the home features indoor laundry, an enclosed lanai, and exterior storage. The spacious kitchen offers abundant cabinetry, generous counter space, and a cozy breakfast nook, while the formal dining area flows naturally into the inviting living room. The roomy primary suite includes a private bath with a double-sink vanity, ample storage, and a step-in shower. A comfortably sized second bedroom is ideal for guests, and the guest bathroom features a tub-and-shower combination. Outside, enjoy a pleasant yard and a quiet setting on a dead-end street near a cul-de-sac. Schedule your private showing today and discover all this charming home has to offer!

7943 Sw 7th Place, Ocala
2732 Sw 162nd Place, Ocala
$269,899
3 Beds ⋅ 2 Baths ⋅ Marion Oaks Un 04 SubDv. ⋅ 34473 Zip Code
Under Construction. **Brand new 3-bed/2-bath house with many upgrades. Tile all over the place, even in the spacious bedrooms. Granite countertops in the kitchen and bathrooms. This home will have stainless steel appliances, including a microwave, dishwasher, refrigerator, and range. Ceiling fans, blinds, and a mailbox are included as well. Take advantage of this opportunity!! The color and finishes of the home's interior and exterior can be different. 2/10 Warranty included.

2732 Sw 162nd Place, Ocala
4373 Sw 170th Street Road, Ocala
$285,000
3 Beds ⋅ 2 Baths ⋅ Marion Oaks Un 6 SubDv. ⋅ 34473 Zip Code
FOR SALE! NO HOA & NOT IN A FLOOD ZONE! Welcome to this gorgeous, practically new 3/2/2 concrete block home situated on a prime 0.29-acre corner lot in Marion Oaks! Featuring a desirable split floor plan, this move-in ready home offers granite countertops with wood cabinetry in the kitchen, plus granite tops, tile showers, and tile floors in both bathrooms—with NO carpet anywhere! Enjoy maximum privacy in the spacious yard, which comes fully fenced with a vinyl privacy fence, a concrete patio pad perfect for hosting guests, and a large shed included for extra storage space. Schedule your appointment today!

4373 Sw 170th Street Road, Ocala
6574 Sw 81st Loop, Ocala
$269,900
3 Beds ⋅ 3 Baths ⋅ The Towns At Laurel Commons SubDv. ⋅ 34476 Zip Code
Welcome to Laurel Commons! This end unit is sure to please even the pickiest of buyers. Key features of the home include: - A spacious, open-floor plan combining a gourmet kitchen and a cozy living area - Three spacious bedrooms upstairs - 2 full bathrooms, plus a half bath on the first level This property offers a comfortable, stylish lifestyle with access to the community pool and cabana. It is conveniently located off State Road 200, just a few miles from grocery stores, entertainment options, hospitals, and shopping centers.

6574 Sw 81st Loop, Ocala
751 Ne 30th Avenue, Ocala
$159,000
4 Beds ⋅ 2 Baths ⋅ Country Estate SubDv. ⋅ 34470 Zip Code
Great investment opportunity in Ocala! Situated on a spacious 0.29 acre lot, this property features a 3BR/1BA main home plus an attached 1BR/1BA efficiency with a private entrance, offering approximately 1,680 SF under air and potential rental income! Solid bones with plenty of potential for the right buyer to add value. Home needs TLC, A/C replaced in 2018, while roof and water heater need replacement. Conveniently located near Downtown Ocala, Silver Springs State Park, shopping, dining, and more. Bring your vision and unlock the potential!

751 Ne 30th Avenue, Ocala
8883 Sw 94th Lane Unit G, Ocala
$199,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
**Beautifully Updated Montgomery Model Villa in Friendship Village – On Top of the World!** Don't miss seeing this spacious 2-bedroom, 2-bathroom Montgomery Model end-unit villa with a 2-car garage, located in the desirable Friendship Village neighborhood of On Top of the World in Ocala! This beautifully updated home offers added privacy, modern upgrades, and comfortable Florida living. Enjoy brand-new luxury vinyl plank flooring and fresh interior paint completed in 2025, creating a fresh, move-in-ready feel throughout. The remodeled kitchen features quartz countertops, stainless steel appliances, including a 2026 GE microwave, updated cabinetry, a convenient pull-out spice rack, Lazy Susan, and dual pantries, one with pull-out shelving for easy organization. A stainless steel double sink with a pull-down faucet completes this functional and attractive kitchen. The spacious primary suite offers a large walk-in closet and a remodeled bathroom with a quartz vanity, glass-enclosed rain shower, built-in waterproof shelving, and additional storage. The guest bedroom features a generous closet, while the guest bathroom includes a tub and quartz vanity. Contemporary lighting in the primary bedroom, living room, and family room adds a stylish, modern touch. Additional conveniences include linen and coat closets, ceiling fans throughout the home and lanai, a large utility sink, and a newer LG washer and dryer. Enjoy even more value with a Rainier remote-controlled garage screen, a Genesis water conditioner, and Massey termite bait stations for added termite protection. This home has updated windows, and the back patio is air-conditioned and heated. Step outside to your private, fenced backyard with mature shade trees, providing a peaceful setting to relax and enjoy the Florida lifestyle. Located in On Top of the World, Ocala's premier 55+ gated community, residents enjoy an outstanding variety of amenities, including golf, swimming pools, fitness centers, recreational facilities, clubs, social activities, and entertainment. Don't miss your opportunity to see this beautifully updated villa! Take a look at the Matterport 3D Tour to explore the home and appreciate all the features this wonderful property has.

8883 Sw 94th Lane Unit G, Ocala
7863 Sw 5th Place, Ocala
$149,500
3 Beds ⋅ 2 Baths ⋅ Falls Of Ocala Unit 1 SubDv. ⋅ 34474 Zip Code
This home has been repaired as needed. New hardware and other items as needed. New toilets. Roof 2018. HVAC 2014. Water Heater 2017. (receipts) New carpet. Professionally and meticulously cleaned. 3 bedrooms, 2 bath home. Move-in ready. Climate controlled Enclosed Florida Room. Separate dining area. New flooring in laundry room. The crawl space has newer moisture barrier. HOA includes mowing of yard as well as Clubhouse and Pool. This home is eligible for USDA financing.

7863 Sw 5th Place, Ocala
4505 Nw 39th Street Road, Ocala
$366,275
4 Beds ⋅ 3 Baths ⋅ Ocala Preserve SubDv. ⋅ 34482 Zip Code
Virtually Staged. Under Construction. This one-story, all concrete block constructed home has an open concept floor plan, featuring a spacious kitchen overlooking large living and dining areas that flow out to a covered lanai, a perfect place to relax or dine alfresco. At the front of the home, you will find two bedrooms that share a full bath, a laundry room off the garage, a fourth bedroom that is an optional den, and a powder bath. Bedroom 1 which includes Bathroom 1, is located at the back of the home for optimum privacy. This home comes with an installed stainless-steel dishwasher, range, and microwave. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

4505 Nw 39th Street Road, Ocala
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