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 lush landscapes and rich equestrian heritage, Ocala offers a delightful blend of small-town charm and modern conveniences. With its vibrant downtown area, numerous parks, and a warm community spirit, it’s no wonder that Ocala has become a sought-after destination for families, retirees, and everyone in between.

One of the most appealing aspects of Ocala is its diverse real estate market, particularly for those seeking homes under $400,000. Whether you're a first-time homebuyer, looking to downsize, or searching for an investment property, Ocala has something to fit your needs. From charming single-family homes with spacious yards to contemporary townhouses in friendly neighborhoods, the options are plentiful and affordable.

Imagine waking up to the serene sounds of nature, enjoying a morning stroll through one of Ocala’s beautiful parks, or spending your afternoons exploring the local shops and restaurants. With a cost of living that is lower than the national average, you can enjoy a high quality of life without breaking the bank.

Ocala is also conveniently located near major highways, making it easy to access nearby attractions such as the stunning Silver Springs State Park and the historic downtown district. With its rich culture, friendly atmosphere, and accessible housing market, Ocala is more than just a place to live; it’s a place to thrive. Discover your dream home in this captivating city today!

Newest Ocala Homes under $400,000

5523 Sw 42nd Place, Ocala

5523 Sw 42nd Place, Ocala

3 Beds ⋅ 2 Baths ⋅ Red Hawk SubDv. ⋅ 34474 Zip Code

Clean, fresh, and inviting, this 3-bedroom, 2-bath home features an open floor plan and a peaceful outdoor setting. The kitchen flows into the living area and offers plenty of counter space—ideal for gathering and entertaining, with room for more than one chef. Triple & double sliding doors fill the space with natural light and provide a wide view of the backyard. The owner’s suite offers a private bath with double-door entry, dual vanities, a shower/tub combination, and a separate toilet closet. Vinyl plank flooring flows through the main living areas, with tile in the wet areas. An inside laundry room and 2-car garage add everyday convenience. Fenced along both sides, the rear yard opens to an expansive view framed by a tall hedge. The result is a peaceful outdoor setting with a natural sense of privacy without closing in the view. ROOF 2025, AC 2020. Enjoy the added lifestyle benefits of a gated community with a clubhouse, swimming pool, tennis and basketball courts, fitness center, and scenic walking paths throughout the neighborhood. Conveniently located near a growing selection of shops, businesses, restaurants, medical services, and schools, this home offers comfortable living with everyday amenities close at hand.

5523 Sw 42nd Place, Ocala

8519 Sw 91st Street Unit F, Ocala

8519 Sw 91st Street Unit F, Ocala

2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code

END-UNIT AUGUSTA VILLA | 2 BEDROOMS + LARGE DEN | UPDATED THROUGHOUT Enjoy spacious living in this Augusta model, the largest villa floor plan, featuring 2 bedrooms, 2 bathrooms, a large den, and an oversized 2-car garage. Wood trim around doors, fresh interior paint, new luxury vinyl plank flooring throughout, and new lighting fixtures and ceiling fans create a fresh, inviting feel with NO CARPET. The generous great room and dining area feature a vaulted ceiling, and bay window that brings in abundant natural light, adding to the home's open, airy feel. Built-in bookshelves make the large den ideal for a home office, craft room, or reading retreat. The kitchen offers a spacious pantry and appliances replaced in 2025. An extended, enclosed Florida room connects to the kitchen at the same floor level and is under air conditioning, expanding the home's living and entertaining space. The primary suite features a walk-in closet and an ensuite bathroom with a double-sink vanity. The split-bedroom layout provides privacy, with the guest bedroom located away from the primary suite and conveniently beside the second bathroom. Additional updates include a 2021 roof, a 2022 water heater, and a 2020 Tempstar 3.5-ton, 14-SEER heat pump. With its generous layout, updated finishes, and desirable end-unit location, this Augusta villa offers plenty of room to relax, entertain, and enjoy!

8519 Sw 91st Street Unit F, Ocala

2877 Sw 146th Street, Ocala

2877 Sw 146th Street, Ocala

4 Beds ⋅ 3 Baths ⋅ Marion Oaks Unit 3 SubDv. ⋅ 34473 Zip Code

Virtually Staged. Under Construction. ** PHOTOS FROM A MODEL HOME ** New house for sale in Ocala | Completion NOV/26 | No HOA | No CDD | in a high-growth area! This beautifully designed 4-bedroom, 3-bathroom home offers the perfect combination of modern living, flexibility, and investment potential. Situated on a premium oversized corner lot, the property provides extra outdoor space, enhanced privacy, and strong long-term appreciation potential. A standout feature is the fully independent in-law suite with its own private entrance, bedroom, full bathroom, spacious walk-in closet, living room, kitchen, and laundry area—ideal for multigenerational living, guests, or potential rental income. The main residence features an open-concept layout that seamlessly connects the living, dining, and kitchen areas, creating a bright and inviting atmosphere. The kitchen comes equipped with appliances, beautiful stone countertops, and ample workspace for everyday living and entertaining. The builder incorporated extensive upgrades throughout, delivering a refined home with attention to detail and quality finishes. Once inside you are greeted by the seamlessly Expansive 10' Ceiling throughout the entire home. The main living area is centered around the Living Room with stunning 8' triple panel sliding glass door that overlooks the covered lanai which perfectly integrates the indoor/outdoor living space. The spacious primary suite serves as a private retreat, complete with a large walk-in closet and an elegant en-suite bathroom featuring a relaxing soaking tub, tastefully designed shower with glass enclosure, oversized dual sinks and private water closet. Additional bedrooms offers generous space and built-in storage for convenience and functionality. The open-concept floor plan is enhanced by high ceilings and seamless integration of the living, dining, and kitchen areas. Luxury vinyl flooring and Ceramic Tile flooring extends throughout the home, providing durability and a contemporary aesthetic. The kitchen and bathrooms are appointed with Quartz countertops adding an elegant touch to the finishes, high end Backsplash on the kitchen complemented by a walk-in Pantry and Stainless Steel appliances, including a refrigerator, microwave, dishwasher, and electric range. 2-car garage with Epoxy flooring. Conveniently located near schools, shopping, restaurants, supermarkets, and pharmacies, with easy access to major roadways. Just approximately 30 minutes from the World Equestrian Center and about 1 hour from Orlando, area attractions, and international airports. **Zoned for the New High School** This residence presents a well-balanced blend of modern design, upgraded finishes, and practical layout in a growing residential area. Whether you're looking for a primary residence, multigenerational living solution, or an investment opportunity, this exceptional property offers versatility, comfort, and value in a rapidly growing Ocala location. Property Highlights • RARE Independent In-Law Suite/Studio with Private Entrance • 10’ Ceilings Throughout • 8’ Triple-Panel Sliding Glass Door to Covered Lanai • Open-Concept Floor Plan with Abundant Natural Light • Luxury Vinyl & Tile Flooring Throughout (No Carpet) • Stainless Steel Appliance Package Included + Walk-In Pantry • Spacious Primary Suite with Spa-Style Bathroom ( Freestanding Tub/Glass-Enclosed Shower/Dual Vanities/Private Water Closet/Large Walk-In Closet) • 2-Car Garage with Epoxy Flooring

2877 Sw 146th Street, Ocala

2119 Ne 38th Terrace, Ocala

2119 Ne 38th Terrace, Ocala

3 Beds ⋅ 2 Baths ⋅ Heather Trace Ph I SubDv. ⋅ 34470 Zip Code

More Photos coming soon! Major updates are already taken care of with a new roof installed in 2024 and air conditioning system replaced in 2023! Welcome to this beautifully maintained 3-bedroom, 2-bath home offering just under 1,600 square feet of comfortable living space in the desirable Heather Trace community. Step inside to soaring ceiling heights that create an open and spacious feel, complemented by crown molding and hardwood flooring throughout the living areas and hallways. Luxury vinyl plank flooring is featured in the bedrooms, while tile flooring covers all wet areas for easy maintenance. The kitchen offers an ample amount of cabinetry, granite countertops, and newer stainless steel appliances, providing plenty of storage and workspace for everyday living and entertaining. Granite countertops continue throughout the bathrooms, and the spacious primary bathroom features a separate jetted soaking tub and tiled shower. An enclosed screened patio provides additional space to relax and enjoy the Florida weather. With attractive finishes, recent major improvements, a comfortable floor plan, and a sought-after location in Heather Trace, this home is ready for its next owner. The HOA fee is $95.00 per month and includes mowing, edging, hedge trimming, fertilizing, yard pest control, irrigation, electric for streetlights and the irrigation well, as well as common area maintenance

2119 Ne 38th Terrace, Ocala

6934 Sw 129th Street, Ocala

6934 Sw 129th Street, Ocala

5 Beds ⋅ 3 Baths ⋅ Marion Oaks Un 10 SubDv. ⋅ 34473 Zip Code

SPACE, UPDATES & A 3-CAR GARAGE! This spacious 5-bedroom, 2.5-bath home offers 2,223 sq. ft. of living space PLUS a flex room, providing plenty of room for a home office, hobby room, playroom or additional living space. Situated on a corner lot in Marion Oaks, the home also features a hard-to-find 3-car garage, vinyl-fenced backyard and covered screened porch. Inside, you'll find granite countertops, tile in the kitchen and baths, an updated primary shower and fresh interior paint throughout. New waterproof flooring was installed on both levels in August 2026. Many of the major updates have already been completed, including a 2022 ROOF, A/C with UV light in 2022, water heater in 2021, refrigerator and double oven in 2023, and Maytag washer and dryer in 2025. The septic was pumped in 2025, vents professionally cleaned in 2024, and additional updates in 2026 include new faucets, showerheads, toilet seats and smoke detectors. Outside, the vinyl-fenced backyard offers room to relax or entertain, with a screened porch and low-maintenance artificial turf just outside. There's even space upstairs for a future laundry hookup if desired. With FIVE bedrooms, a flex room, 3-car garage, corner lot and extensive recent updates, this home offers an impressive combination of space, flexibility and functionality. If you've been looking for a home with room to spread out and so much already taken care of, 6934 SW 129th St deserves a closer look.

6934 Sw 129th Street, Ocala

213 Oak Lane, Ocala

213 Oak Lane, Ocala

3 Beds ⋅ 2 Baths ⋅ Silver Spgs Shores Un 32 SubDv. ⋅ 34472 Zip Code

USDA Welcomes! Your next chapter starts here! Built in 2018, this welcoming 3-bedroom, 2-bath home in Silver Springs Shores offers a comfortable layout, an attached garage, and a spacious backyard—all on a .23-acre homesite in southeast Ocala. Whether you’re purchasing your first home or looking for a manageable space to call your own, its 1,014 square feet of living space make every room count. Inside, cathedral ceilings give the bright, open living area an airy feel, while the connected kitchen and dining space make it easy to prepare dinner, catch up with friends, or enjoy a quiet evening at home. The eat-in kitchen includes a refrigerator, range, range hood, and dishwasher. Ceiling fans add everyday comfort, and the single-story layout keeps everything conveniently within reach. The primary bedroom features its own bathroom, while two additional bedrooms offer space for guests, a home office, or your favorite hobbies. An attached garage provides room for parking and storage, and the generous backyard invites you to imagine weekend barbecues, a garden, or simply a comfortable spot to relax outdoors. With newer construction, practical spaces, and room to add your personal touch, this home offers an inviting place to begin your homeownership journey. Schedule your showing and picture the possibilities!

213 Oak Lane, Ocala

471 Spring Lane, Ocala

471 Spring Lane, Ocala

3 Beds ⋅ 2 Baths ⋅ Silver Spgs Shores Un 47 SubDv. ⋅ 34472 Zip Code

Virtually Staged. Welcome to this NO HOA property where the big improvements have already been taken care of—and the outdoor space is just as inviting as the inside. Thoughtfully updated over the past several years, this home combines comfortable everyday living with a spacious, fully fenced yard and multiple areas designed for enjoying the Florida lifestyle. Inside, you’ll find a bright and welcoming interior featuring new luxury vinyl flooring throughout, fresh paint, all-new windows, a new front door, and an updated bathroom. The kitchen offers plenty of workspace and storage while flowing naturally into the main living areas, and the bedrooms provide flexibility for family, guests, a home office, or hobby space. Major components have also been addressed, with the roof, HVAC system, and water heater all dating to 2022—giving the next owner added peace of mind. Step outside and this property really begins to separate itself. Extensive improvements transformed what was once a mostly bare yard into a landscaped outdoor retreat, complete with new sod, thoughtfully planted landscaping, a farm-style perimeter fence, two paver patios, and a screened porch overlooking the backyard. Whether you're grilling with friends, relaxing around the fire pit, letting the pets enjoy the fenced yard, or simply unwinding at the end of the day, there is plenty of room to make the space your own. An extended gravel driveway/parking area provides additional usable space alongside the home as well. Beyond the property, residents can enjoy access to the community center and recreational amenities, including swimming and tennis, adding even more ways to enjoy your time close to home. With extensive improvements already completed, generous outdoor living space, a fenced yard, and community amenities nearby, this is more than a house that has simply been updated—it’s a home that has been invested in, cared for, and made ready for its next chapter. Schedule your private showing and come see it for yourself.

471 Spring Lane, Ocala

6645 Sw 81st Loop, Ocala

6645 Sw 81st Loop, Ocala

3 Beds ⋅ 3 Baths ⋅ Laurel Commons SubDv. ⋅ 34476 Zip Code

Short Sale. Get a great deal! 2 years old Short sale. Town house all 3 bedroom upstaris with 2 baths and the laundry room. Downstairs is the kitchen, living room, dining area and 1 car garage, back porch. Hoa covers the pool, clubhouse, outstide maintenance.

6645 Sw 81st Loop, Ocala

8346 Sw 84th Place Road, Ocala

8346 Sw 84th Place Road, Ocala

3 Beds ⋅ 2 Baths ⋅ Candler Hills SubDv. ⋅ 34481 Zip Code

# **Beautiful Candler Hills Home ? Comfort, Style & Convenience!** Welcome to this inviting 3-bedroom, 2-bath home in the sought-after Candler Hills community at On Top of the World! Situated on a desirable corner lot, this beautifully maintained home offers a wonderful blend of comfort, thoughtful features, and easy living. Step inside to discover neutral colors, recessed lighting, crown molding, and luxury vinyl flooring throughout the main living area and primary bedroom. The split-bedroom floor plan provides added privacy, with two guest bedrooms and a conveniently located guest bathroom between them. The kitchen features Corian countertops, all appliances, and a charming breakfast area?perfect for enjoying your morning coffee. The spacious primary suite offers a walk-in closet with organizers. Additional conveniences include inside laundry with washer and dryer, a laundry tub, and a 2-car extended garage with a dedicated work area. Enjoy Florida living at its best in the beautiful screened lanai with birdcage enclosure, or relax in the backyard's vinyl-fenced area. The paved driveway and walkway add to the home's attractive curb appeal. Major updates include a 2021 roof and 2018 HVAC system. All window treatments are included! Located in an established 55+ community, this home offers convenient access to shopping, grocery stores, and medical offices. Nearby new construction, a planned new hospital, and a nearby firehouse add to the area's ongoing development and accessibility. **Come discover the comfort, convenience, and welcoming lifestyle that make this Candler Hills home a wonderful place to call your own!**

8346 Sw 84th Place Road, Ocala

15324 Sw 60th Circle, Ocala

15324 Sw 60th Circle, Ocala

3 Beds ⋅ 2 Baths ⋅ Marion Oaks Un Nine SubDv. ⋅ 34473 Zip Code

Virtually Staged. Welcome to this inviting 3-bedroom, 2-bathroom home in Ocala, offering 1,660 square feet of comfortable living space on a spacious quarter-acre lot. Upon entering, you are greeted by an open floor plan that seamlessly connects the dining room, living room, and kitchen, creating an easy flow for everyday living and entertaining. Soaring ceilings enhance the sense of space throughout the main living areas, while the kitchen features stainless steel appliances, abundant cabinetry, and a large center island with breakfast bar seating. The split-bedroom layout provides a thoughtful arrangement, with the spacious primary suite featuring a walk-in closet and an en-suite bathroom complete with a large dual-sink vanity, walk-in shower, and separate soaking tub. The additional bedrooms are generously sized and feature comfortable carpeting. Out back, the expansive backyard is the heart of the home, offering plenty of room to create your ideal outdoor space while mature trees surround the property and provide a beautiful natural backdrop. Conveniently located near nature reserves, golf courses, grocery stores, and everyday amenities, with easy access to I-75 for commuting and exploring all that Ocala has to offer, this home combines comfort, space, and a convenient location. Mortgage savings may be available for buyers of this listing.

15324 Sw 60th Circle, Ocala

6942 Sw 86th Street, Ocala

6942 Sw 86th Street, Ocala

3 Beds ⋅ 2 Baths ⋅ Deer Crk SubDv. ⋅ 34476 Zip Code

**YOUR NEXT CHAPTER STARTS HERE!**Welcome!! ideally located in Southwest Ocala! This property offers an exciting opportunity for buyers looking for convenience, location, and the chance to make a home truly their own. Enjoy easy access to shopping, dining, major roadways, and all that Ocala has. Whether you're searching for your next home or an investment opportunity, this one is worth a closer look! **Come see it, envision it, and make it yours!** $5,000 towards buyers closing cost or buyer concessions.

6942 Sw 86th Street, Ocala

4535 Sw 52nd Circle Unit 102, Ocala

4535 Sw 52nd Circle Unit 102, Ocala

2 Beds ⋅ 2 Baths ⋅ Brighton Condo Ph 05 SubDv. ⋅ 34474 Zip Code

SPACIOUS 1,827 SQ. FT. END-UNIT CONDO IN BRIGHTON AT FORE RANCH! This desirable upstairs residence offers 2 bedrooms, 2 baths plus a versatile study/den/flex room that could easily function as a third bedroom, home office or additional living space. The end-unit location provides added privacy and natural light, while vaulted ceilings and an open floor plan enhance the home's spacious feel. The kitchen features abundant wood cabinetry, generous counter space, stainless steel appliances and a breakfast bar overlooking the main living area. The generously sized primary suite features a private bath with dual vanities, separate shower and large walk-in closet. One of the home's standout features is the expansive screened lanai, offering plenty of room for outdoor dining, relaxing and enjoying views of the beautifully maintained community grounds. An attached one-car garage provides additional storage and everyday convenience. Located within the gated Brighton condominium community of Fore Ranch, residents enjoy access to a resort-style pool, clubhouse, fitness center, tennis and basketball courts, playgrounds, walking areas and more. Conveniently located in SW Ocala in the Hwy 200 Corridor, near shopping, dining, medical facilities, I-75 and the World Equestrian Center. With 1,827 square feet of living space and a flexible floor plan, this condo offers room to spread out without the maintenance of a single-family home. Schedule your appointment to tour this property today!

4535 Sw 52nd Circle Unit 102, Ocala

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