Lake City Homes under $400,000

Lake City Homes under $400,000

Welcome to Lake City, Florida – a charming gem nestled in Columbia County, where Southern hospitality meets stunning natural beauty. Known for its picturesque landscapes and friendly community, Lake City offers a perfect blend of small-town charm and convenient access to modern amenities. With its rich history and vibrant culture, residents enjoy a laid-back lifestyle paired with a variety of recreational activities, from fishing and hiking in the nearby parks to exploring local shops and dining establishments.

For those seeking an affordable yet comfortable place to call home, Lake City boasts an impressive selection of homes priced under $400,000. Whether you're a first-time homebuyer, a growing family, or looking to downsize, you’ll find a diverse range of properties that cater to various tastes and budgets. From cozy single-family homes with spacious yards to modern townhouses with contemporary finishes, there is something for everyone in this welcoming community.

Lake City's real estate market is thriving, offering excellent opportunities for investment and homeownership. With its affordable housing options, residents can enjoy the benefits of a serene environment without sacrificing access to essential services, schools, and recreational activities. Plus, the city’s strategic location near major highways makes it easy to explore nearby cities and attractions.

In Lake City, you’re not just buying a house; you’re investing in a lifestyle filled with warmth, community spirit, and the beauty of Florida’s natural landscapes. Come discover why so many are choosing to call Lake City home!

Newest Lake City Homes under $400,000

1874 Sw Nautilus Road, Lake City
$159,900
3 Beds ⋅ 2 Baths ⋅ Gr South Timber SubDv. ⋅ 32024 Zip Code
Discover the possibilities with this 10-acre property located at 1874 SW Nautilus Rd in Lake City, FL! A beautiful combination of wooded acreage and open, cleared areas, this property provides privacy, space, and excellent potential for your future homesite or country retreat. Mature trees, a winding driveway, and established clearings create a peaceful rural setting. The property features two access points, including the main entrance from SW Nautilus Rd and an additional access on the west side from SW Beyond Ct, providing added convenience and flexibility for future development. Existing improvements include connected electricity, one well, two septic systems, and multiple sheds included in the sale, providing valuable existing infrastructure. The property is located outside the designated flood zone. Existing mobile homes are assigned no value and are being sold as-is. Whether you're looking to build your dream home, establish a private homestead, or invest in acreage, this property is an excellent opportunity. Enjoy 10 acres of privacy and natural beauty with utilities already connected. Buyer to verify zoning, permitted uses, utility conditions, well and septic system functionality.

1874 Sw Nautilus Road, Lake City
863 Se Defender Drive, Lake City
$274,900
3 Beds ⋅ 2 Baths ⋅ Bellaire Sub SubDv. ⋅ 32025 Zip Code
Great Neighborhood with a new K-5 school blocks away! Many, many upgrades including total rewiring, newer Hvac and metal roof, new bathrooms, new kitchen appliances, ceramic tile in all rooms. The back yard has a Gazebo, a 25x20 foot shed with 2 roll up doors on a concrete pad, and a fenced in area for pets. Entire back yard has a wooden fence with gates on either side of the house. Fresh paint on the outside and most of the inside of the home. The home is in Columbia county, just outside the Lake City limits and 1 mile from the Osceola national forest. 35 minutes away are Ichetucknee, Oleno, and Suwannee River state parks. A total security system with cameras is installed on the Blink App system. Clearwaves high speed internet access is installed. Do not miss seeing this home!

863 Se Defender Drive, Lake City
1051 Ne Lake Drive, Lake City
$144,900
1 Beds ⋅ 1 Baths ⋅ Thomas Park S/D SubDv. ⋅ 32055 Zip Code
Discover the possibilities at 1051 NE Lake Dr in Lake City, Florida! This detached, single-story home features 3 bedrooms, 1 full bathroom, and approximately 1,000 square feet of living space on a generous 0.26-acre lot. The property offers a practical layout with comfortable living and dining areas, a functional kitchen equipped with an electric range, microwave, and refrigerator, and a combination of carpet and laminate flooring. Additional features include central heating and air conditioning, a metal roof, an open porch, and a screened porch. Enjoy the flexibility of a spacious lot with room for outdoor activities, gardening, or creating your own outdoor retreat. No mandatory HOA fees or community association restrictions. Conveniently located with access to US-90 and nearby shopping, dining, and everyday services, this property offers an opportunity for buyers seeking a primary residence or an investment property. Whether you're looking for a place to call home or a property with potential for future improvements, this Lake City residence deserves a closer look. Property is being sold AS IS. Schedule your private showing today and explore the possibilities!

1051 Ne Lake Drive, Lake City
234 Se Emerson Court, Lake City
$295,000
3 Beds ⋅ 2 Baths ⋅ Village Sub SubDv. ⋅ 32025 Zip Code
Welcome to Emerson Court! This cozy 3-bedroom, 2-bath brick home offers the space and flexibility you’ve been looking for, all situated on 1.13 acres just minutes from downtown Lake City. Inside, you’ll find a Florida room plus a bonus room that offers additional space for an office, playroom, gym, or hobby area. Outside, the property features an above-ground pool with a deck, workshop, RV hookup, garden area, fruit trees, and muscadine grape vines. With established plants and greenery throughout, this property truly comes to life when in bloom. Additional features include a metal roof installed in 2016, HVAC system updated in 2020, and a new well installed in 2026. The sellers are also offering a credit toward carpet replacement, giving the next owner the opportunity to personalize the home from the start. With acreage, extra living space, and useful outdoor features, this home offers a combination that’s hard to find.

234 Se Emerson Court, Lake City
2928 Se Ebenezer, Lake City
$249,900
3 Beds ⋅ 2 Baths ⋅ N/A SubDv. ⋅ 32025 Zip Code
Virtually Staged. Brand New Home on 1.22 Acres. Enjoy the peace and privacy of country living in this brand new 3 bedroom, 2 bathroom home situated on 1.22 acres with workshop. The open concept floor plan offers a spacious layout perfect for everyday living and entertaining. With plenty of room to roam and endless possibilities outdoors, this property is the perfect place to call home. Schedule your private showing today!

2928 Se Ebenezer, Lake City
188 Sw Coliseum Place, Lake City
$229,900
3 Beds ⋅ 2 Baths ⋅ Village Sub SubDv. ⋅ 32025 Zip Code
Virtually Staged. Welcome to 188 SW Coliseum Place, Lake City, FL 32025, where modern updates meet spacious outdoor living. This beautifully maintained 3-bedroom, 2-bath home offers 1,265 square feet of comfortable living space on an oversized .58-acre lot, providing plenty of room to enjoy the outdoors while still being conveniently located near I-75, shopping, dining, and local amenities. Step inside to discover a newly renovated kitchen featuring stunning butcher block countertops, new cabinetry with soft close doors and drawers, creating a warm and inviting space for cooking and entertaining. The functional floor plan provides comfortable living area with high ceilings, split bedroom plan, and a private primary suite complete with two walk-in closets, offering exceptional storage rarely found in homes of this size. Outside, you'll appreciate the expansive yard with endless possibilities for gardening, recreation, or future additions. The property also includes a carport, a storage shed, and an open patio, perfect for relaxing evenings, weekend barbecues, and enjoying Florida's beautiful weather.

188 Sw Coliseum Place, Lake City
437 Se Rosewood Circle, Lake City
$249,900
3 Beds ⋅ 2 Baths ⋅ Eastside Village 06 SubDv. ⋅ 32025 Zip Code
Check out this well-maintained 3-bedroom, 2-bath home tucked away in Eastside Village, a 55+ HOA community in Lake City that is for sale. Whether you’re looking to simplify, downsize, or just enjoy a home that’s ready for you to move right in, this one checks a lot of boxes! Inside, you’ll find a comfortable layout with a spacious main living area and plenty of room to relax and entertain. The owner’s suite has a generous walk-in closet and ensuite bathroom with a shower. The other 2 bedrooms are on the other side of the home with a full bathroom with a tub/shower combo. The home has been lovingly maintained and features a roof that’s one year old, giving you one less big-ticket item to worry about and also includes a water treatment system. Step outside and enjoy the fenced backyard, perfect for gardening or letting your four-legged friends enjoy some outdoor time. There are screened front AND back porches giving you great spaces to enjoy a morning cup of coffee and relax. The 2-car garage provides plenty of room for parking, storage, and all those extras that tend to come with homeownership. Located in Lake City, you’ll have the convenience of nearby shopping, dining, medical facilities, and everyday amenities while still enjoying the relaxed feel of a residential community. And not far away are rivers, lakes, springs & more for outdoor adventures! This is North Florida living made easy! Come take a look and see if this home is right for you!

437 Se Rosewood Circle, Lake City
243 Sw Reigel Court, Lake City
$175,000
4 Beds ⋅ 2 Baths ⋅ Metes & Bounds SubDv. ⋅ 32024 Zip Code
Remarkable 4-acre lot with a 4-bedroom, 2-bath manufactured home with bonus room! This home is 2,240 sq ft - perfect for large gatherings, spacious living nestled back in the country. Home has updated tie downs, New roof, new cabinets, two 20x24 concrete slabs with anchors for shop/storage shed! Brand new 5-Ton HVAC! STOVE does NOT convey!Home has recently been appraised for $236,000 (tons of equity in this deal) Renovator's dream. Being SOLD AS-IS! This is truly a deal to anyone who isn't afraid to do some finishing work.

243 Sw Reigel Court, Lake City
526 Nw Savannah Circle, Lake City
$349,900
4 Beds ⋅ 3 Baths ⋅ Meadows Plantation 01 SubDv. ⋅ 32055 Zip Code
PRICED TO SELL! $5K SELLER CREDIT TOWARD PREPAID ITEMS! BRAND NEW ROOF 2025, NEW AC 2026, AND NEW WATER HEATER 2026. ALL THREE MAJOR SYSTEMS DONE AND THIS HOME IS MOVE-IN READY! Welcome home to this beautiful 4 bedroom home nestled on a generous half-acre lot in the desirable Oak Meadow Plantation community of Lake City. Step inside and immediately feel the warmth of a home that has been thoughtfully cared for. Beautiful laminate, tile, and wood flooring flow throughout the main living areas, a cozy wood-burning fireplace anchors the family room, and the open layout with two separate living spaces gives everyone room to breathe. The kitchen flows naturally to the dining and living areas, great for everyday living and entertaining. When it is time to enjoy the outdoors you have options. Relax on the screened patio, hang out under the covered patio, or enjoy the fully fenced private backyard that stretches across a full half acre. The attached 2-car garage keeps your vehicles protected and the full appliance package means everything you need is already included. Oak Meadow Plantation is one of Lake City's most charming communities, lined with mature oak trees and centered around a beautiful neighborhood pond with a low HOA of only approx. $330 per year and no CDD. Flood Zone X so no flood insurance required. Minutes from I-75, US-90, downtown Lake City, shopping, dining, and Lake City Medical Center. All financing welcome including FHA, VA, and conventional. A home this updated, this spacious, and in a community this special does not stay on the market long.

526 Nw Savannah Circle, Lake City
144 Sw Enchanted Court, Lake City
$275,000
3 Beds ⋅ 2 Baths ⋅ Emerald Forest Sub SubDv. ⋅ 32024 Zip Code
Welcome home to this charming property tucked away in a well-established neighborhood, offering the perfect combination of space, comfort, and convenience just minutes from town. Situated on a spacious 0.78-acre lot, this home provides plenty of room to enjoy the outdoors while still keeping everyday amenities close by. Inside, you'll find two separate living spaces, giving you flexibility for entertaining, relaxing, or creating a dedicated family room. One living area features a cozy fireplace, adding warmth and character to the heart of the home. One of the standout features is the expansive screened-in back porch, the perfect place to enjoy your morning coffee, unwind at the end of the day, or entertain friends and family while overlooking the large backyard. With nearly an acre, multiple living areas, a welcoming fireplace, and an impressive screened porch, this home offers the space and versatility you've been looking for in a convenient, established neighborhood.

144 Sw Enchanted Court, Lake City
862 Ne Coldwater Avenue, Lake City
$175,999
2 Beds ⋅ 2 Baths ⋅ Gelberg's SubDv. ⋅ 32055 Zip Code
Welcome to this 2-bedroom, 2-bath manufactured home located in Lake City, Florida 32055, offering an excellent opportunity for a first-time homebuyer, retiree, investor, or anyone looking for an affordable primary residence in beautiful North Florida. The home features a comfortable and functional floor plan with two bedrooms and two full bathrooms, providing flexibility for everyday living, guests, a home office, or additional family space. Enjoy the relaxed lifestyle Lake City is known for while remaining conveniently located near local elementary schools, shopping, restaurants, medical services, and everyday necessities. The property also offers convenient access to the greater Lake City area and major North Florida transportation routes. Lake City provides the perfect combination of small-town charm and accessibility, surrounded by the natural beauty of North Central Florida while still offering the conveniences needed for daily living. Whether you are searching for your first home, downsizing, purchasing an investment property, or looking for an affordable Florida residence, this 2-bedroom, 2-bath manufactured home is an opportunity worth considering. A quieter Florida lifestyle. Schedule your showing and come see the possibilities this property has AVAILABLE ! ASK FOR CLOSING COSTS!

862 Ne Coldwater Avenue, Lake City
Lake City
$237,990
3 Beds ⋅ 2 Baths ⋅ Triangle Park SubDv. ⋅ 32055 Zip Code
Welcome to 237 NE Gum Swamp Road, Lake City, FL 32055 a beautifully refreshed 3-bedroom, 2-bathroom home that blends modern updates, comfortable living, and timeless charm. Thoughtfully updated from top to bottom, this move-in-ready property offers a bright, inviting atmosphere with fresh paint, new flooring, updated bathrooms, and stylish finishes throughout. Whether you are a first-time buyer, looking for more space, or searching for a home that is ready to enjoy without a long renovation list, this property is worth seeing. Step inside and discover a welcoming interior designed for everyday comfort and easy entertaining. The open concept layout creates a natural flow between the living, dining, and kitchen areas, allowing plenty of light and making the main living spaces feel spacious and connected. Fresh paint and new flooring provide a clean, contemporary backdrop while maintaining the home’s warm and approachable character. The kitchen serves as the heart of the home and has been updated with quartz countertops, generous cabinet storage, and a clean, modern design. The combination of attractive finishes and practical workspace makes this kitchen equally suited for preparing everyday meals, hosting friends, or gathering with family. The open connection to the adjoining living and dining areas keeps everyone connected while entertaining. The three bedrooms provide comfortable private spaces, while the two updated bathrooms add convenience and a refreshed modern feel. Each area has been thoughtfully improved to create a home that is attractive, functional, and ready for its next owner. With updates already completed, you can spend less time worrying about projects and more time enjoying your new home. Outside, the large fenced yard provides valuable private outdoor space with plenty of room for pets, gardening, play, entertaining, or simply relaxing. The fenced setting offers flexibility for a variety of lifestyles and gives you an opportunity to create your own outdoor retreat. A carport provides covered parking and convenient access to the home. Located in Lake City, this property offers the opportunity to enjoy the comfort of a refreshed home while being close to the everyday conveniences of the area. From the inviting interior to the spacious fenced yard, this home offers a combination of updates, functionality, and personality that is increasingly hard to find. Highlights include a 3-bedroom, 2-bathroom layout, fresh interior paint, new flooring, updated bathrooms, an updated kitchen with quartz countertops, ample cabinet space, an open living and dining arrangement, a large, fenced yard, and a covered carport. The thoughtful updates and versatile spaces make this property an excellent opportunity for anyone seeking a move-in-ready home with room to enjoy both inside and out. Don’t miss the opportunity! Come see the fresh finishes, comfortable layout, spacious yard, and charming details for yourself. Schedule your showing today and discover all this beautifully updated Lake City home has to offer! The home also offers flexible space for quiet evenings, casual gatherings, or celebrations. The fenced yard provides room to spread out, while neutral updates make it easy to bring your own style and furnishings. With modern improvements, practical features, and inviting outdoor space, this Lake City property is ready for its new owner. See it today and make this charming home yours

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