Clay County Homes under $400,000

Clay County Homes under $400,000

Welcome to Clay County, Florida – a hidden gem that beautifully blends suburban charm with the allure of nature. Nestled just south of the bustling city of Jacksonville, Clay County is renowned for its picturesque landscapes, friendly communities, and a lifestyle that offers the perfect balance between tranquility and convenience. With its rich history, vibrant local culture, and abundant recreational opportunities, Clay County is an ideal place to call home.

For those seeking affordable housing options, you’ll be delighted to discover that Clay County boasts an impressive selection of homes under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, there’s something for everyone in this welcoming community. From charming single-family homes in established neighborhoods to modern townhouses with contemporary finishes, the real estate market here offers diverse choices to suit various lifestyles and budgets.

One of the standout features of Clay County is its commitment to preserving natural beauty. With numerous parks, lakes, and trails, residents can enjoy outdoor activities such as hiking, fishing, and boating. The area is also home to highly-rated schools, making it an attractive option for families seeking quality education for their children.

In addition, Clay County’s convenient access to major highways ensures that you’re never far from the excitement of Jacksonville’s urban offerings, including shopping, dining, and entertainment. Embrace the opportunity to live in a community that celebrates both nature and modern living, all while enjoying the affordability of homes under $400,000. Come explore Clay County and discover your dream home today!

Newest Clay County Homes under $400,000

85 Debarry Avenue Unit 2024, Orange Park
$88,400
2 Beds ⋅ 2 Baths ⋅ Wells Rdg 02 SubDv.
Auction Property. 2-bedroom, 2-bathroom 1,014 square foot condo in sought after Wells Ridge community in Orange Park. It will need repairs but has so much potential. Make it your own. Jump on this great deal before its gone! All buyers are responsible to confirm City, County, Zoning, Tax, and other records to their satisfaction before bidding. No inspection contingencies in contract. Absolutely no repairs before closing. This property is sold As-Is. This is a REO auction property.

85 Debarry Avenue Unit 2024, Orange Park
7209 Piedmont, Keystone Heights
$132,500
3 Beds ⋅ 2 Baths ⋅ Highridge Estates SubDv.
PLEASE FOLLOW THE ABUNDANT SIGNAGE TO PROPERTY TURN RIGHT ONTO PIEDMONT ST. 1/2 blk down on the right. Little Yellow House! is priced for affordability. This is an opporunity to OWN what you normally would rent!

7209 Piedmont, Keystone Heights
6408 Swarthmore Drive, Keystone Heights
$250,000
3 Beds ⋅ 2 Baths ⋅ Highridge Estates SubDv.
**LARGE LOT**UPDATED**GREAT LOCATION** Uncover the potential of this charming and cozy 3 bed/2 bath, 1,560 sqft home. It features tons of upgrades, a durable METAL ROOF, and thoughtful details like modern lighting fixtures and stylish woodlike flooring throughout! Enjoy lots of extra space, including a living room with a cozy FIREPLACE and a kitchen boasting a cute breakfast bar, stainless steel appliances, an oven with an elegant range hood, and tons of cabinetry and light. The spacious primary suite offers a private retreat, while outside you can relax on the huge SCREENED-IN FRONT PORCH or enjoy the large and shaded backyard on a HALF-ACRE LOT. You get the best of both worlds with this house - it’s located on a frontage road for a quiet, more rural feel, while remaining just minutes from the town’s shopping and dining, and the highway. Don’t miss out, schedule your showing today!

6408 Swarthmore Drive, Keystone Heights
3422 Monarch Way, Green Cove Springs
$389,900
4 Beds ⋅ 3 Baths ⋅ Oakwood Estates SubDv.
Pre-Construction. To be built. Discover the Miramar at Oakwood Estates, a premier new-home community in Green Cove Springs featuring quality construction, modern smart home technology, and oversized cul-de-sac homesites. The Miramar showcases an open-concept design with 9’4” ceilings, a deluxe interior trim package, and a distinctive stone exterior accent. The spacious Great Room features triple sliding glass doors leading to a covered lanai, while the kitchen impresses with quartz countertops, a large center island, soft-close cabinetry, stainless steel appliances, and a generous pantry. The private primary suite includes a walk-in closet and an en-suite bath with an oversized tiled shower, separate tub, and linen closet. Three additional bedrooms, including one with a private bath, provide versatile space, complemented by a secondary bathroom with a tile shower and tub combination and a centrally located laundry room. Smart Home features include a Kwikset Keyless Door Entry, Honeywell Thermostat, and Deako Switches. A two-car garage, architectural shingles, insulated low-emissivity windows, landscaping, front and rear irrigation, and a full builder warranty complete the home. Oakwood Estates features flexible multi-generational floor plans, a community playground, pavilions, and green spaces. Located near the First Coast Expressway, the community also provides commuting options and access to boating and fishing opportunities at Black Creek and in Jacksonville. Schedule your private tour of the Miramar at Oakwood Estates today! We can’t wait to welcome you home!

3422 Monarch Way, Green Cove Springs
6035 Oak Leaf Road, Keystone Heights
$265,000
4 Beds ⋅ 3 Baths ⋅ Big Tree Lakes Sec B SubDv.
If your love language is cooking, baking, and gathering loved ones around the table, this is the home for you! Situated on one acre in Keystone Heights, this 4BR/3BA home features an expansive kitchen with cabinets galore, pantry, and spacious laundry/utility room. The split floor plan offers privacy, while the attached mother-in-law suite provides a separate entrance, ramp access, fully equipped kitchen, living area, bedroom, and accessible bathroom—ideal for multigenerational living or guests. Enjoy the welcoming front porch and side porch with ramp access. Outdoor features include a fenced yard, garage, two storage sheds (one with electricity and A/C), and two carports for covered parking. With plenty of room for hobbies, storage, entertaining, and extended family, this property offers comfort, versatility, and country charm. Come see all it has to offer

6035 Oak Leaf Road, Keystone Heights
7990 Floral Ridge Circle, Keystone Heights
$220,000
3 Beds ⋅ 2 Baths ⋅ Town/Lk Geneva SubDv.
Move-In Ready comfort, space and Florida Living! Well-maintained 3BR/2BA home offering approximately 1,799 sq. ft. of comfortable living space on a spacious 0.38-acre corner lot. This property has been thoughtfully cared for, with major updates and maintenance already completed, providing a truly turnkey opportunity. Features include an open living and dining area, fireplace, walk-in closet in the primary suite, screened porch, deck, and a fenced backyard perfect for pets, gardening, or outdoor entertaining. Three outbuildings/workshops provide exceptional storage and workspace options. Durable metal roof, central HVAC (2025), public water, home's convenience and value. Washer & Dryer almost new (2026). Enjoy the peaceful lifestyle of Keystone Heights while remaining convenient to area lakes, recreation, shopping, and schools. Easy commute to Gainesville, Jacksonville and Palatka.

7990 Floral Ridge Circle, Keystone Heights
6898 Cr 214, Melrose
$263,500
3 Beds ⋅ 2 Baths
***Seller is willing to contribute toward the buyer’s closing costs with an acceptable offer.*** Beautifully updated and move-in ready, this 3-bedroom, 2-bath home offers 1,829 square feet of living space in Melrose. The spacious family room features recessed lighting, large windows that bring in plenty of natural light, and plenty of room to relax, gather, or entertain. The open layout connects the family room to the dining area and updated kitchen, creating a bright and welcoming living space. The kitchen features white cabinetry, stainless steel appliances, plenty of counter space, and a large island with seating. LVP flooring runs throughout the main living areas, while both bathrooms have been beautifully updated with modern finishes and tile work. An indoor laundry room adds everyday convenience. Outside, you'll find a spacious backyard with mature trees and plenty of room to enjoy the outdoors. The home also features a 2023 roof. Conveniently located just minutes from the upcoming Aldi in Melrose, Winn-Dixie, Keystone Beach and Park, local restaurants, and everyday services, with easy access to both Keystone Heights and Gainesville. Enjoy a quieter setting while still keeping the places you need close by.

6898 Cr 214, Melrose
7492 Monongahela Avenue, Keystone Heights
$300,000
3 Beds ⋅ 2 Baths ⋅ Big Tree Lakes SubDv.
Located in Keystone Heights, this 3-bedroom, 2-bath home features a split-bedroom floor plan with cathedral ceilings in the living room, a formal dining area, and an eat-in kitchen with stainless steel appliances and a breakfast bar. The primary bedroom features a tray ceiling and an adjoining bathroom with dual vanities, a soaking tub, and a separate walk-in shower. Additional features include tile and carpet flooring, a spacious laundry room, and an attached garage that has been partitioned to include a workout area. French doors lead to a large fenced backyard. The home is set back from the paved road with a concrete driveway, landscaped front yard, and covered front porch. Conveniently located near Keystone Heights schools, shopping, and dining.

7492 Monongahela Avenue, Keystone Heights
1715 Forbes Street, Green Cove Springs
$115,000
2 Beds ⋅ 1 Baths ⋅ Palmer & Ferris Tr Green Co SubDv.
PRICED TO SELL! INVESTOR SPECIAL ON AN EXPANSIVE 0.77-ACRE LOT! Incredible opportunity to transform this property into something special! Situated on an oversized lot with a creek running through the property, offering privacy, space, and endless possibilities. The home is in need of a complete renovation, making it an ideal project for investors or buyers ready to bring their vision to life. The enclosed Florida room brings the total area under air to approximately 1,104 square feet. Additional features include an electrical system updated in 2006 and an above-ground pool. Ideally located just 3 minutes from Spring Park, local coffee shops, and dining, with Green Cove Springs Junior High within walking distance. With its generous lot size and convenient location, this property offers tremendous potential. Don't miss this opportunity!

1715 Forbes Street, Green Cove Springs
3180 Fox Squirrel Drive, Orange Park
$319,000
3 Beds ⋅ 2 Baths ⋅ Spencers Xing SubDv.
Virtually Staged. Welcome to this beautifully renovated home in the desirable Spencer Crossing community! This move-in-ready 3-bedroom, 2-bath home offers a spacious, open-concept layout with soaring 13-foot vaulted ceilings that create a bright and inviting feel throughout the main living areas. The kitchen has been thoughtfully updated with granite countertops, stainless-steel appliances, and plenty of workspace, making it both functional and perfect for entertaining. The home features luxury vinyl plank flooring throughout, updated bathrooms with modern tile, new faucets, updated lighting and ceiling fans, and fresh, stylish finishes throughout. With a generous layout and numerous renovations already completed, this home offers the feel of a newer home without the wait or hassle of renovating. The open living space provides plenty of room for everyday living and entertaining. Conveniently located near OakLeaf Town Center, Orange Park Mall, NAS Jacksonville, shopping, dining, and major roadways, you’ll have easy access to everything you need while enjoying the established Spencer Crossing neighborhood. Too many updates to list, come see this beautifully renovated home for yourself!

3180 Fox Squirrel Drive, Orange Park
Orange Park
$360,000
4 Beds ⋅ 2 Baths ⋅ Worthington Oaks/Oakleaf Plant SubDv.
Welcome to 650 Wakeview Drive! This spacious and beautifully updated 4-bedroom home offers an inviting floor plan with excellent flow. The open-concept kitchen and living room feature soaring ceilings, creating a bright and impressive gathering space. The kitchen has been refreshed with new stainless steel appliances, granite countertops, backsplash, and updated cabinet color. Enjoy a formal dining room plus a separate office/den for work or flex space. All four bedrooms are generously sized, while the spacious owner's suite features an ensuite bath with a walk-in shower and separate soaking tub. Recent updates include new LVP flooring, fresh paint, new lighting and blinds throughout, new gutters, a 2025 roof, and a 2025 water heater. An electric vehicle charging plug adds modern convenience. All of this in a desirable community that offers amenity centers, pools, water parks, fitness centers, playgrounds, sports fields, tennis and pickleball courts, and miles of green spaces.

Orange Park
4700 Berry Court, Keystone Heights
$239,900
4 Beds ⋅ 3 Baths ⋅ Blueberry Hill Farms SubDv.
Just seconds from paved County Rd 315C, this spacious hidden gem has it all! The massive screened front porch sets the tone, offering tons of comfortable outdoor living space, complete with cozy porch swing for two! A huge covered rear porch awaits you as well! The home offers an impressive amount of storage and functionality, plus an amazing wood-burning fireplace/stove. The owner's suite has plenty of room for an office, reading nook, or sitting space. A ready made 4th Bed/In-law suite has its own 1/2 bath and private entrance from the back porch. Major updates include new metal roof in Nov 2022 and new HVAC in July 2023. Outside, the property continues to impress. A massive workshop with a roll-up door provides an ideal space for hobbies, man-cave, or she-shed. The grounds feature several fruit trees, including orange, satsuma, grapefruit, and mulberry. There's also a greenhouse, small garden sheds, and a 40-ft storage container that conveys! There's even an RV hookup with a 30-amp and water line. Welcome Home!

4700 Berry Court, Keystone Heights
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