Homes under $400,000

Homes under $400,000

Welcome to your dream neighborhood in sunny Florida, where charm meets affordability! This delightful subdivision offers a perfect blend of community spirit, modern amenities, and the stunning natural beauty that the Sunshine State is known for. Nestled in a prime location, this area is ideal for families, retirees, and anyone looking to enjoy the vibrant Florida lifestyle.

Within this inviting community, you'll find a variety of homes priced under $400,000, making it an excellent choice for first-time buyers, investors, or those seeking a cozy retreat. These homes boast contemporary designs, spacious layouts, and well-maintained yards, ensuring you’ll find the perfect space to call your own. Many properties feature open-concept living areas, updated kitchens, and inviting outdoor spaces, perfect for entertaining or simply enjoying the beautiful Florida weather.

The subdivision is conveniently located near top-rated schools, shopping centers, and recreational facilities, providing residents with easy access to everything they need. Enjoy weekends at local parks, take a stroll along scenic walking trails, or soak up the sun at nearby beaches. With a strong sense of community and friendly neighbors, you’ll feel right at home in this picturesque area.

Don’t miss your chance to discover the charm and affordability of this wonderful subdivision in Florida. With homes under $400,000, your dream of homeownership is within reach. Come and experience the vibrant lifestyle and welcoming atmosphere that await you!

Newest Homes under $400,000

127 Camphor Drive Unit E, Oldsmar
$114,900
2 Beds ⋅ 2 Baths ⋅ SubDv.
Welcome to The Gardens of Forest Lakes! This spacious FIRST-FLOOR, 2-BEDROOM, 2-BATH CONDO offers comfortable, low-maintenance Florida living with no stairs, TILE FLOORING THROUGHOUT and BEAUTIFUL POND VIEWS! Nestled in a peaceful setting surrounded by mature landscaping and lush greenery, this light and bright residence offers a wonderful combination of comfort, convenience and scenic surroundings. Step inside to a living and dining area with plenty of space to relax or entertain. Sliding glass doors lead to a covered patio overlooking the tranquil pond, creating the perfect spot to enjoy your morning coffee, watch the wildlife or simply unwind while taking in the peaceful water views. The kitchen offers ample cabinetry, generous counter space and a convenient breakfast/pass-through bar that opens to the main living area. The primary bedroom features a private ensuite bathroom and walk-in closet, while the second bedroom provides flexibility for guests, a home office or additional living space & adjacent guest bath. An interior laundry area adds everyday convenience. With tile flooring throughout and a functional floor plan, this condo provides a great opportunity to add your own personal touches while enjoying its desirable first-floor location and picturesque setting. Beyond the condo, residents can enjoy an impressive array of community amenities in a scenic lakefront setting. Forest Lakes offers a large community swimming pool and spa, tennis courts, basketball, racquetball/handball courts, playground, picnic and grilling areas, and a waterfront dock overlooking the lake. Mature trees, tropical landscaping and generous green spaces create an inviting atmosphere throughout the community. Conveniently located in the heart of Oldsmar, close to shopping, dining, parks, beautiful Gulf beaches and Tampa International Airport. Whether you're searching for a primary residence, seasonal getaway or investment opportunity, this first-floor condo with beautiful pond views offers an excellent opportunity to enjoy the Florida lifestyle. Schedule your private showing today!

127 Camphor Drive Unit E, Oldsmar
1480 Queen Anne Boulevard, Palm Harbor
$299,900
2 Beds ⋅ 2 Baths ⋅ SubDv.
Virtually Staged. Welcome to this charming, bright, move-in-ready Palm Harbor home featuring 2 bedrooms, 2 bathrooms, and a bonus room perfect for a home office. No HOA! All ages welcome! Featuring a remodeled kitchen, renovated bathrooms, and easy-care tile flooring throughout. A newer roof and newer HVAC system add peace of mind. Outside, enjoy a screened porch and a nicely sized, fenced backyard. The tropical landscaping includes two beautiful, mature queen palms. A single-car garage provides convenient parking and storage. Zoned for highly rated Palm Harbor University High School, Carwise Middle School, and Highland Lakes Elementary School. Conveniently located near US Highway 19, Mease Countryside Hospital, shopping, dining, and the beautiful Gulf beaches. Mortgage savings may be available for buyers of this listing.

1480 Queen Anne Boulevard, Palm Harbor
498 Stremma Road, Belleair Bluffs
$344,900
4 Beds ⋅ 1 Baths ⋅ SubDv.
ONE OF A KIND PROPERTY! TWO BUILDINGS ON TWO LOTS (105x150ft) – You Can Separate or Keep Combined! TWO DWELLING UNITS – 1st BUILDING/MAIN HOUSE 3BR/1BA/919sqft. 2nd BUILDING – 1BR/252sqft. TUFF SHED w/ electric and plumbing 144sqft. *20ft ABOVE GROUND POOL* w/ DECK. Plus a Storage Shed. SO MANY FEATURES! Oversized 105x150 lot gives you plenty of room for multiple vehicles, boats, campers, trailers. FULLY FENCED for your pets to roam. Sits on .36 acres of land can be subdivided into two separate dwellings. NO HOA, NO CDD, NO FLOOD ZONE. The thoughtful arrangement is PERFECT FOR MULTI-GENERATIONAL LIVING offering a PRIVATE SETUP that works beautifully as an IN-LAW SUITE or a dedicated RETREAT FOR A TEEN OR TWENTY-SOMETHING. This design provides distinct, comfortable spaces for both hosting extended family and ensuring daily privacy. 4 bedrooms, 1 bathroom, 1 carport with 1171sqft living total. PLUS FRAMED IN AREA already plumbed FOR A 2nd BATHROOM. This is an incredible OPPORTUNITY TO CUSTOMIZE A PROPERTY and make it truly your own while enjoying plenty of built-in potential. This MAIN HOME provides the perfect canvas to add your own personal style and touches. The open kitchen with comfortable size eat-in space overlooks the spacious living room. All bedrooms are generous in size with plenty of closet space. Plus a convenient INSIDE UTILITY ROOM. Neutral color tile throughout. Endless possibilities! Excellent location! In up and coming Horizon West Bay Down-town corridor, makes it a must-see for savvy buyers ready to act fast. in an area with many attractions including; walkability, convenience and entertainment. **In addition- THE FINANCIAL GAME CHANGER: Private Income Suite Potential - The true brilliance of this property lies in the ultra-versatile potential mother-in-law or rental Suite in featuring its own private entrance and FRAMED FOR dedicated full bath, this space offers immediate flexibility: Income Generator: Rent it out to substantially offset your mortgage, turning your residence into a high-performing asset. Multi-Generational Living: A private, comfortable Mother-in-Law suite. Perfect Guest or 3rd Bedroom Suite (with existing third bedroom usage). Quiet location on a well kept street. You'll be within walking distance of newly revitalized downtown Largo with tons of activities and shops, and just 3 miles to the WORLD FAMOUS BEACHES of Pinellas County! Close to public transportation, shopping, dining, Largo Central Park. One block away to city park with fishing pond and playground. This is the move-in-ready, possible income-generating home you've been waiting for.

498 Stremma Road, Belleair Bluffs
1100 Belcher Road S Unit 665, Largo
$164,900
2 Beds ⋅ 2 Baths ⋅ SubDv.
YOUR FLORIDA DREAM IS CALLING — AND THIS ONE IS READY TO WELCOME YOU HOME! Discover an incredible opportunity to enjoy the Florida lifestyle in the highly desirable, 100% RESIDENT-OWNED 55+ community of FAIRWAY VILLAGE! This BEAUTIFULLY MAINTAINED, FULLY FURNISHED 2-BEDROOM, 2-BATH HOME is filled with warmth, natural light, and thoughtful improvements that make moving in as easy as bringing your suitcase and settling into paradise! From the moment you arrive, you'll appreciate the welcoming curb appeal, refreshed driveway, and EXTENDED CARPORT complete with corrugated side extensions for additional covered space. Step inside and experience a BRIGHT, CHEERFUL, OPEN FLOOR PLAN that offers a wonderful balance of comfort and functionality. The spacious living and dining areas flow together effortlessly, creating an inviting atmosphere for entertaining friends, enjoying family visits, or simply relaxing after another beautiful Florida day. One of the many things that makes this home special is that it comes FULLY FURNISHED. Just unpack, get comfortable, and start enjoying everything this wonderful community has to offer! THE IMPROVEMENTS MAKE THIS HOME EVEN MORE APPEALING! You'll appreciate the DOUBLE-PANE WINDOWS INSTALLED IN 2019, beautifully finished with interior trim and window sills, allowing natural light to brighten the living spaces. Additional features include a NEW water heater in 2025, ROOF-OVER INSTALLED IN 2004, a VAPOR BARRIER REPLACED IN 2016, as well as a convenient CENTRAL VACUUM SYSTEM! Even the WASHER AND DRYER are less than 4 years old! Regular pest control service adds another level of care to this thoughtfully maintained home. But the beauty of owning in FAIRWAY VILLAGE extends far beyond your front door! This exceptional community of 751 homes offers an active, welcoming environment where neighbors become friends and every day brings opportunities to enjoy the sunshine and make lasting memories. At the heart of the neighborhood is the MAGNIFICENT 19,000+ SQUARE-FOOT CLUBHOUSE, opened in January 2022, featuring beautiful gathering spaces and activities for a variety of interests. Enjoy TWO SWIMMING POOLS, RELAXING HOT TUBS, a 9-HOLE PAR-3 GOLF COURSE, COVERED SHUFFLEBOARD COURTS, and an abundance of recreational and social opportunities. Whether you enjoy staying active, meeting new friends, or unwinding beneath the Florida sunshine, you'll find plenty to love right here! Conveniently situated in LARGO, FLORIDA, Fairway Village puts you within easy reach of the area's spectacular Gulf Coast beaches, shopping, restaurants, entertainment, and everything that makes Florida living so desirable. BEST OF ALL, THE CO-OP LAND SHARE IS INCLUDED IN THE PURCHASE PRICE! Enjoy the advantages of resident-owned living and a monthly maintenance fee that includes water, sewer, garbage, lawn maintenance, basic cable, internet, and more. FULLY FURNISHED! WONDERFULLY MAINTAINED! READY FOR YOU! Opportunities like this are worth exploring! Whether you're searching for a seasonal Florida retreat or a place to call home year-round, this delightful property offers the comfort, convenience, and lifestyle you've been dreaming of. DON'T JUST DREAM ABOUT THE FLORIDA LIFESTYLE — COME EXPERIENCE IT FOR YOURSELF! Schedule your private showing today! All measurements are approximate and should be independently verified by the buyer.

1100 Belcher Road S Unit 665, Largo
730 San Christopher Drive, Dunedin
$399,000
3 Beds ⋅ 1 Baths ⋅ SubDv.
Discover the Best of Delightful Dunedin! Fantastic opportunity to own a 3-bedroom home in the heart of Dunedin! Situated on a generously sized lot and not located in a flood zone, this home offers a wonderful combination of location, updates, and potential. The kitchen features updated cabinetry and new appliances, while newer ceramic tile flooring throughout provides a clean, cohesive look. Step outside to a spacious backyard brimming with possibilities—create your dream outdoor retreat, add a garden, or design the perfect space for entertaining. Whether you're a first-time homebuyer, looking to downsize, or searching for a property with room to make it your own, this is your chance to get your foot in the door in Delightful Dunedin! Located within the golf cart zone and just minutes from vibrant downtown, you'll enjoy easy access to fantastic restaurants, unique shops, local breweries, the world-famous Pinellas Trail, and the beautiful Gulf beaches. Don't miss your opportunity to enjoy the Dunedin lifestyle! Come see it today!

730 San Christopher Drive, Dunedin
500 N Osceola Avenue Unit 609, Clearwater
$350,000
1 Beds ⋅ 2 Baths ⋅ SubDv.
Welcome to your new home, where stunning Intracoastal water views greet you from every room of this beautifully updated sixth-floor unit. Originally designed as a two-bedroom, this spacious home has been converted into a large one-bedroom layout, offering expansive living space and easy potential to revert back if desired. Step out onto the oversized balcony and take in the serene water vistas—perfect for morning coffee or evening sunsets. Inside, you'll find tile flooring throughout, a stylish kitchen with stainless steel appliances, and two full updated bathrooms enhanced with chic wallpaper. The convenience of an in-unit stackable washer and dryer adds to the modern appeal. Plus, with a 2025 AC, 2015 water heater, and optional furnishings, all you have to do is bring your suitcase! This residence comes with a covered, assigned parking space and a separate storage closet. Enjoy a resort-like lifestyle with amenities that include a waterfront pool, fitness center, floating dock, meeting room, and more. Best of all, the structural and reserve studies are complete with no assessments. The HOA fee covers nearly everything—just pay for electricity, cable, and internet. The location is ideal—just steps from Coachman Park, The Baycare Sound, Seminole Boat Ramp, Francis Wilson Playhouse, and an array of restaurants and shops. With so many exciting new developments on the horizon like the new Ballad Hotel, and the $50M EVO Entertainment complex coming to downtown Clearwater, now is the perfect time to invest in this vibrant area. Don’t miss your chance to own a waterfront gem in one of Clearwater’s most desirable neighborhoods—get in before it’s too late!

500 N Osceola Avenue Unit 609, Clearwater
10970 Peppertree Lane, Port Richey
$240,000
2 Beds ⋅ 2 Baths ⋅ SubDv.
Welcome to 10970 Pettertree Lane, located in the desirable Driftwood Village of Timber Oaks! This spacious 2-bedroom, 2-bath home has been freshly painted and is ready for you to move right in and make it your own. Featuring a comfortable, open living space, two full bathrooms and an attached 2-car garage, this home offers plenty of room for everyday living, entertaining and storage. Step outside and enjoy the added privacy of having NO REAR NEIGHBORS, creating a peaceful backyard setting perfect for relaxing and enjoying the Florida lifestyle. Even better, the property is located in a NON-FLOOD ZONE! One of the best features of this location is that Driftwood Village is one of the unique FAMILY VILLAGES within Timber Oaks and is NOT restricted to residents 55 and older—opening the door to buyers of all ages! For those who meet the community’s age qualifications, Driftwood homeowners also have the option to become Senior Option Members and enjoy access to Timber Oaks’ impressive clubhouse complex and active-adult amenities. Qualifying Senior Option Members can take advantage of the community clubhouse, swimming pool and spa, fitness center, billiards, card rooms, arts and crafts spaces and an incredible variety of clubs, activities and social events. Timber Oaks also offers beautiful common areas and outdoor recreational opportunities, including tennis, pickleball, shuffleboard, bocce and scenic areas throughout the community. Enjoy the best of both worlds—a home in a non-age-restricted village with the opportunity for qualifying residents to enjoy the active lifestyle and amenities Timber Oaks is known for. Conveniently located near shopping, dining, medical facilities, parks, Gulf Coast recreation and everything the Port Richey area has to offer, 10970 Pettertree Lane is ready to welcome its next owner. Come see all this home and community have to offer!

10970 Peppertree Lane, Port Richey
2302 Maki Road Unit 37, Plant City
$165,000
2 Beds ⋅ 2 Baths ⋅ SubDv.
Welcome to 2302 Maki Road, Apt 37, a conveniently located 2-bedroom, 1.5-bath condo in Plant City’s Kentwood Park community. Offering approximately 896 square feet of living space, this home provides a practical layout with comfortable living areas and spacious bedrooms. Enjoy central air, community amenities including a refreshing pool, and easy access to shopping, restaurants, entertainment, schools, and major roadways. This property offers an excellent opportunity for a first-time buyer, downsizer, or investor. Schedule your private showing today!

2302 Maki Road Unit 37, Plant City
9309 Ashfield Court, Tampa
$394,999
3 Beds ⋅ 2 Baths ⋅ SubDv.
Brick front, a paver driveway and mature palms set the tone at this 4 bedroom, 3 bath pool home in Town 'N' Country, and it comes with an ADU. The attached accessory dwelling unit has its own kitchenette, bedroom and full bath, so it works for guests, extended stays, a home office or rental income where permitted. In the main home, vaulted ceilings, tile floors and a wood burning fireplace anchor an open living and dining area. The kitchen has white shaker cabinets, stainless appliances and a breakfast bar. The primary bedroom opens straight to the screened lanai. Out back, the screened enclosure covers a tiled pool and more than 480 sq ft of screened porch, with room for dining and lounging. You also get a dedicated laundry room, a side patio of about 57 feet, a storage shed and full vinyl privacy fencing. The location gives you quick access to the Veterans Expressway, Tampa International Airport and Westshore. Schedule your private showing today.

9309 Ashfield Court, Tampa
10435 114th Terrace N, Largo
$265,000
4 Beds ⋅ 2 Baths ⋅ SubDv.
Welcome to this move-in-ready 3-bedroom, 1.5-bath home with a bonus room in Orange Lake Village, offering a surprisingly spacious and versatile floor plan with plenty of room for everyday living, entertaining, working from home, or accommodating guests. The enlarged primary bedroom features its own private half bath and additional closet space, while the beautifully finished Florida room adds another comfortable living area that can be enjoyed year-round. Inside, you'll find an updated kitchen, ceramic tile flooring throughout, and an abundance of storage and flexible living space. The roof was replaced in 2020. Step outside to a large fenced backyard offering plenty of room for outdoor entertaining, pets, gardening, or simply relaxing in the Florida sunshine, without the burden of excessive maintenance. One of the home's biggest advantages is its central Pinellas County location. Tucked away in Orange Lake Village just off Seminole Boulevard, you'll enjoy the convenience of being close to virtually everything. Lake Seminole and its surrounding parks and recreational opportunities are nearby, while Largo Mall, grocery stores, restaurants, shopping, medical facilities, and everyday conveniences are just minutes away. And when it's time to enjoy the Florida lifestyle, some of Pinellas County's beautiful Gulf beaches are only a short drive away. Spend the day along the Gulf of Mexico, enjoy waterfront restaurants, or head out in the evening to catch one of Florida's spectacular sunsets. The central location also provides convenient access to Seminole, Largo, Clearwater and St. Petersburg, along with major roadways leading to Tampa and Tampa International Airport. Located in a non-flood zone with no mandatory HOA. Whether you're searching for a full-time residence, seasonal Florida home, or investment opportunity, this property combines space, flexibility, convenience, and an excellent central location just minutes from the Gulf beaches. Come see everything this Orange Lake Village home and the surrounding area have to offer!

10435 114th Terrace N, Largo
12321 Adventure Drive, Riverview
$375,000
4 Beds ⋅ 2 Baths ⋅ SubDv.
Virtually Staged. ***Estimated monthly payment of just $2,428.35 based on a $10,000 down payment and a 30-year fixed loan at 7% interest*** Welcome to this spacious four-bedroom, two-bathroom home offering approximately 2,112 square feet, multiple gathering areas, brand new updates (NEW ROOF, HVAC, & Kitchen Appliances, paint), and a peaceful pond backdrop in the sought-after Panther Trace community. From the moment you enter, the elegant front sitting room makes an impression with its arched window, decorative wall molding, crown molding, and statement chandelier—an inviting setting for entertaining, dining, or creating a stylish conversational space. The open kitchen features rich wood cabinetry, granite countertops, new stainless-steel appliances, modern lighting, and a breakfast bar that keeps everyone connected. An adjacent dining area provides the perfect spot for casual meals, while the living room offers plenty of flexibility for movie nights, game days, and large gatherings. With four generously sized bedrooms featuring new carpet), there is room to create comfortable sleeping quarters, a home office, fitness room, or hobby space. The private primary suite includes a walk-in closet and an en-suite bathroom with a long dual-sink vanity, soaking tub, separate shower, and private water closet. An indoor laundry room and attached garage add even more everyday convenience. The real showstopper awaits out back! Step onto the expansive screened patio (Aug 2026). Imagine weekend cookouts, outdoor dining, parties, or quiet evenings overlooking the pond. There is room for multiple seating areas, a dining table, games, and more, all while enjoying fresh air beneath the protection of the screened enclosure. Life in Panther Trace brings recreation right into the neighborhood with a clubhouse, lagoon-style swimming pool, tennis, basketball and volleyball courts, a multipurpose field, scenic natural areas, and community activities. Shopping, restaurants, schools, medical facilities, and everyday conveniences are also within easy reach, while nearby Highway 301 connects you to major highways, Tampa, and destinations throughout the Bay Area. From lively get-togethers on the patio to peaceful pond-view mornings, this home makes every day feel like a new adventure!

12321 Adventure Drive, Riverview
508 2nd Street Sw, Belleair Bluffs
$387,000
3 Beds ⋅ 2 Baths ⋅ SubDv.
Brand-new paint and new flooring! Move in ready and perfectly located, this charming 3BD/2BA, 1 car garage home features a desirable split bedroom floor plan and a screened-in porch. Located in a quiet, family-friendly neighborhood near schools, Taylor Park, the Pinellas Trail, Publix, shopping, and the post office. A wonderful family home offering comfort, convenience, and plenty of opportunity to make it your own!

508 2nd Street Sw, Belleair Bluffs
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