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 rich equestrian heritage and vibrant community spirit. With its lush landscapes and picturesque parks, Ocala offers a serene escape from the hustle and bustle of city life while still providing all the amenities you desire. Enjoy the warm Florida sunshine as you explore the stunning natural beauty of the area, from the iconic Silver Springs State Park to the scenic Greenway trails perfect for hiking and biking.

For those seeking to make Ocala their home, you’ll be delighted to discover an array of charming properties available for under $400,000. Whether you’re a first-time homebuyer or looking to downsize, Ocala boasts a diverse selection of homes that cater to various tastes and lifestyles. From quaint single-family homes nestled in friendly neighborhoods to modern townhouses with all the latest amenities, there’s something for everyone.

Imagine waking up in a cozy abode surrounded by oak trees and friendly neighbors, all while being just a short drive from local shops, restaurants, and cultural attractions. Ocala is not just a place to live; it’s a community where you can thrive. With affordable housing options and a welcoming atmosphere, it’s no wonder that more people are choosing to call Ocala home.

Explore the possibilities today and discover why Ocala, Florida, is the perfect place to find your dream home without breaking the bank!

Newest Ocala Homes under $400,000

Ocala
$249,900
3 Beds ⋅ 2 Baths ⋅ A12103137 MLS ⋅ Marion Oaks BLDG.
Stunning 2022-Built Corner-Lot Home in Marion Oaks!Welcome to your dream home! Built in 2022, this modern, move-in-ready single-family residence perfectly blends contemporary style with everyday functionality. Situated on a spacious 0.29-acre corner lot in the highly desirable Marion Oaks community, this property offers incredible curb appeal and plenty of outdoor space.Bright & Inviting InteriorStep inside to discover a bright, open-concept floor plan boasting nearly 1,280 square feet of comfortable living space. The seamless flow between the living room, dining area, and kitchen creates an ideal environment for entertaining family and friends. Comfortable Living Spaces3 Spacious Bedrooms: Including a private primary suite designed for relaxation.2 Modern Bathrooms: Clean finishes and contemporary fixtures throughout.2-Car Attached Garage: Provides plenty of secure parking and extra storage space. Outdoor & Location Highlights The expansive corner lot offers endless possibilities for outdoor living, gardening, or creating your own backyard oasis. Located in the peaceful southern portion of Marion County, you will enjoy a quiet suburban lifestyle while staying incredibly connected. The home offers quick, convenient access to Interstate 75 (I-75), making commutes to downtown Ocala, local shopping, dining, and outdoor recreation areas a breeze. Don't miss the chance to own this like-new home without the wait of new construction. Schedule your private tour today!

Ocala
8 Emerald Way, Ocala
$375,000
4 Beds ⋅ 3 Baths ⋅ A12080887 MLS ⋅ Silver Springs Shores BLDG.
Welcome to this beautifully renovated 4-bedroom, 2½-bath home in Silver Springs Shores, Ocala! Move-in ready and thoughtfully updated throughout, this home features a new roof, new A/C unit, new flooring, new appliances, fresh interior and exterior paint, a remodeled kitchen, updated bathrooms, and many additional improvements. A beautiful mature magnolia tree welcomes you in the front yard, adding classic Southern charm and curb appeal. Enjoy a spacious floor plan with plenty of room for family, guests, a home office, or hobby space. Located in an established community convenient to shopping, dining, schools, parks, and everyday necessities. Nearby recreational amenities include the Silver Springs Shores Community Center, swimming pools, fitness and sports facilities, and The Country Club at Silver Springs Shores golf course. You’ll also enjoy convenient access to Downtown Ocala, Silver Springs State Park, and everything Central Florida has to offer. Beautifully renovated and ready to call home!

8 Emerald Way, Ocala
17245 Sw 18th Avenue Road, Ocala
$350,000
4 Beds ⋅ 2 Baths ⋅ B26083960 MLS
Welcome to this beautifully maintained, nearly new home, built in 2024 and situated on a spacious, fully fenced 0.50-acre lot. The property is in excellent condition and combines the comfort of newer construction with thoughtful upgrades completed by the current owner. Recent improvements include a stylish glass shower door, a newly finished epoxy garage floor, and completely refreshed exterior paint. The generous fenced yard provides plenty of space for outdoor entertaining, pets, gardening, or creating your own private backyard retreat. With its modern construction, move-in-ready condition, valuable upgrades, and expansive half-acre lot, this home offers an excellent combination of space, comfort, and functionality. Schedule your private showing

17245 Sw 18th Avenue Road, Ocala
3900 Sw 133rd Loop, Ocala
$344,900
4 Beds ⋅ 3 Baths ⋅ A12097454 MLS ⋅ Marion Oaks Un 7 BLDG.
BRAND-NEW 2026 HOME WITH A PRIVATE IN-LAW SUITE IN MARION OAKS! This beautifully constructed residence blends modern design, comfort, and exceptional flexibility. The separate in-law suite features a private entrance, 1 bedroom, 1 bathroom, a full kitchen, and its own washer and dryer—ideal for extended family, guests, or potential rental income. The main home offers a bright, open-concept layout filled with natural light and luxury vinyl flooring throughout. The spacious primary suite includes a beautifully designed bathroom with dual showerheads and dual sinks. Additional highlights include a smart-key entry system for added security and convenience, plus a builder’s warranty for peace of mind. Whether you’re seeking a multigenerational home or a property with income-producing potential, this home is an outstanding opportunity!

3900 Sw 133rd Loop, Ocala
814 Oak Road, Ocala
$249,900
3 Beds ⋅ B26080615 MLS

814 Oak Road, Ocala
9154 Sw 91st Ct Road, Ocala
$349,900
2 Beds ⋅ 2 Baths ⋅ B26076732 MLS
YOUR GOLF COURSE DREAM HOME! Beautiful Alban model perfectly situated on a premium lot in Renaissance Park overlooking Hole #2 of The Tortoise & The Hare, an 18-hole golf course. This beautiful home offers breathtaking, unobstructed golf course views and extra privacy with NO neighbors directly behind you! Enjoy relaxing, entertaining, sipping your morning coffee, or taking in beautiful sunsets from your own private setting. Located in highly sought-after On Top of the World Communities, an award-winning 55+ community known for its exceptional amenities and active lifestyle. This 2-bedroom, 2-bath home with a versatile flex room and extended 2+ car garage offers spectacular, unobstructed golf course views and added privacy with no neighbors directly behind you. The inviting front porch and enclosed 225 sq. ft. lanai with double-pane, wraparound windows and custom shades provide wonderful spaces to relax, entertain, enjoy your morning coffee, or take in beautiful sunsets. Offering 1,963 sq. ft. of living area, 2,914 sq. ft. total, this bright, open-concept home features high 9-foot ceilings, 8-foot doors, crown molding, larger baseboards, and luxury vinyl plank flooring throughout — no carpet! Freshly painted, including crown molding, baseboards, and all doors, the home also features upgraded light fixtures, ceiling fans, window treatments, a separate dining area with chair rail, and a split-bedroom floor plan. The spacious kitchen boasts granite countertops, stainless steel appliances, beautiful wood cabinetry with drawers, a massive island with breakfast bar, decorative sconces, butler pantry, gas range, and a casual dining nook. The primary suite offers a sitting/desk area, a large walk-in closet with convenient walk-through access to the laundry room, and an ensuite bath with double sinks and a walk-in shower with bench. Additional features include gas heating, gas water heater, washer and gas dryer, an entry closet with ample storage, epoxy garage flooring, paver driveway, front porch and patio, and gutters. Located in award-winning On Top of the World, a highly sought-after 55+ community known for its exceptional amenities and active lifestyle. On Top of the World Communities is Pet Friendly and offers an incredible array of amenities and recreational activities including Gated Entry, Clubhouses, 3 Golf Courses, Driving Range, Restaurants, Bars, Fitness Centers, Indoor & Outdoor Pools, Jacuzzi, Sauna, Live Entertainment, Dancing, Tennis, Pickleball, Basketball, Softball, RC Flying Field & Car Track, RV Parking, Courtesy Bus, Billiards, Mini Golf, Hobby & Art Studios, Woodworking Shop, Card Rooms, Library, Education Center, Ballrooms, and over 175 Clubs to keep you socially active year-round. *** Are you looking for a home you can lease right away? There is No Wait to Lease after Closing! Enjoy the Florida lifestyle in this beautifully maintained home with breathtaking golf course views, privacy, and inviting indoor and outdoor living spaces!

9154 Sw 91st Ct Road, Ocala
13822 Sw 61 Pl Rd, Ocala
$400,000
3 Beds ⋅ 2 Baths ⋅ A12087114 MLS ⋅ Rolling Hills Unit 4 Hills BLDG.
Brand-new 2024 construction on 1.5 acres in the sought-after Rolling Hills area of Ocala. This 3BD/2BA home features an open floor plan, vaulted ceilings, granite kitchen countertops, and a spacious primary suite with walk-in closet. Plenty of room for outdoor living, toys, or future additions. No HOA and move-in ready!

13822 Sw 61 Pl Rd, Ocala
106 Water Track, Ocala
$221,000
3 Beds ⋅ 2 Baths ⋅ B26075736 MLS
This three-bedroom, two-bathroom home in Silver Springs Shores Unit 16 offers practical single-story living in Ocala. The 1,354 square feet of finished space provides comfortable room for everyday living, with a one-car garage for convenient parking and storage. The straightforward layout and manageable size make this residence an accessible entry point for homeownership in an established community.

106 Water Track, Ocala
25 Pine Course Pass, Ocala
$284,900
3 Beds ⋅ 2 Baths ⋅ A12086742 MLS ⋅ Silver Springs Shores BLDG.
NEW CONSTRUCTION • NO HOA • EST. COMPLETION NOV. 15, 2026! Brand-new 3BR/2BA home at 25 Pine Course Pass, Ocala, FL 34472 in Silver Springs Shores. Offering 1,468 heated SF, 2,070 total SF and an approx. 0.25-acre homesite, this home features an open-concept, split-bedroom floor plan with modern finishes throughout. The kitchen includes Calacatta Rocky Gold quartz countertops, custom cabinetry, large center island with seating, refrigerator, dishwasher, microwave and range. Carpenter Ash porcelain wood-look tile runs throughout the home. The primary suite offers a walk-in closet, dual vanities and oversized walk-in shower with 24"x48" porcelain tile. Additional features include Pella Defender impact-resistant windows, upgraded interior doors, modern black trim, indoor laundry, covered rear lanai and oversized attached 2-car garage. Built by Tro Tech Construction, Inc. with NO HOA and access to Maricamp Rd/SR 464 and the greater Ocala area. Currently under construction; estimated completion approximately Nov. 15, 2026. Construction schedules subject to change. Photos shown are of a completed model home and are for illustrative purposes only; subject property is currently under construction.

25 Pine Course Pass, Ocala
14 Cedar Trace Terrace, Ocala
$249,000
3 Beds ⋅ 2 Baths ⋅ B26074125 MLS
Welcome home to this charming 3-bedroom, 2-bath residence offering 1,527 SF of comfortable living space, perfectly situated on a peaceful cul-de-sac. The functional open floor plan offers abundant storage and plenty of natural light throughout. Sliding glass doors in both the spacious living room and private primary suite provide easy access to the outdoors. With fully paid energy-efficient solar panels, this adds value while helping with utility costs. Conveniently located just minutes from Publix, Walmart, shopping, dining, and everyday essentials. Enjoy access to the community recreation center featuring swimming pools and a variety of indoor and outdoor activities. A wonderful opportunity to enjoy comfort, convenience, and a great community lifestyle!

14 Cedar Trace Terrace, Ocala
8723 Sw 45th, Ocala
$299,900
5 Beds ⋅ 3 Baths ⋅ A12080986 MLS ⋅ Ocala Crossings South BLDG.
NEARLY NEW 5-BEDROOM HOME WITHOUT THE NEW-CONSTRUCTION PRICE! Welcome to this beautifully maintained 5-bedroom, 3-bath home built in 2023, offering 2,447 SF of flexible living space in Ocala Crossings South. Why pay the premium for brand-new construction when you can move right into a modern home that's already complete? The open-concept main level features a spacious kitchen with a large island, abundant cabinetry, and a walk-in pantry overlooking the living and dining areas. A first-floor bedroom with a full bath provides excellent flexibility for guests, a home office, or multigenerational living. Upstairs offers 4 additional bedrooms, 2 full baths, and a versatile loft, including a spacious primary suite with a private bath and large walk-in closet. Washer and dryer, blinds, and refrigerator are also included. Enjoy a 2-car garage, concrete-block construction, community pool, clubhouse, and playground. Conveniently located near SR-200, I-75, shopping, dining, medical facilities, and the World Equestrian Center. *Ask about seller contribution options to help buy down your mortgage interest rate and lower your monthly payment! **Current tax rates reflect non-homesteaded investment property. Primary residence buyers who qualify for the Florida Homestead Exemption can look forward to potential property tax savings! ***Some photos feature virtual staging to illustrate potential layout and design options.

8723 Sw 45th, Ocala
9737 Sw 100th Ave Rd, Ocala
$365,000
2 Beds ⋅ 2 Baths ⋅ A12080509 MLS ⋅ Crescent Ridge Phase Iv BLDG.
Welcome home to this custom-built Ginger floor plan in Crescent Ridge — 1,746 sq ft (2,618 total) with 2 bedrooms, 2 baths, a flex room/den, and a 2-car garage. Diagonal porcelain tile, tray ceilings, crown molding, and chandeliers with recessed lighting flow throughout. The gourmet kitchen features Preston Maple cabinetry in Drift finish, an apron-front sink, wine storage, gas range with microwave above, and a large island with double sink. Every room is wired with Cat5 WiFi and pre-installed TV outlets for plug-and-play convenience. The primary bath offers a dual-sink vanity, 4-drawer storage, quartz counters, and grey porcelain tile with mosaic accent. The secondary bath has a solid-surface tub/shower combo. Enjoy the covered lanai and front porch year-round. Outside: designer color palette, 4-inch plantation shutters, paver driveway/walkway, 50-year weathered wood shingle roof, and a rear gas line for your BBQ. Note: home is a lease hold property by On Top Of The World. Financing: 20% min down required. Inside Ocala's premier 55+ community — per HOPA, only one resident per household must be 55+. Enjoy 2 championship golf courses, multiple pools, fitness centers, tennis & pickleball, on-site dining, a full activity calendar, and social clubs galore. Timeless craftsmanship, high-end finishes — schedule your private showing today.

9737 Sw 100th Ave Rd, Ocala
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