Summerfield Homes under $400,000

Summerfield Homes under $400,000

Welcome to Summerfield, Florida—a charming community nestled in the heart of Marion County that perfectly blends small-town warmth with modern conveniences. Known for its friendly atmosphere and picturesque landscapes, Summerfield offers residents a serene lifestyle surrounded by lush greenery and beautiful lakes. With its ideal location, you are just a stone’s throw away from the vibrant city of Ocala, where you’ll find shopping, dining, and entertainment options galore.

One of the most appealing aspects of Summerfield is its diverse real estate market, particularly for those seeking homes under $400,000. Whether you’re a first-time homebuyer, a growing family, or looking to downsize, Summerfield has something for everyone. The area features a variety of homes, from charming single-family residences to modern townhouses, all designed to cater to your lifestyle needs. Many of these homes boast spacious yards, open floor plans, and access to community amenities like pools, parks, and walking trails.

Living in Summerfield means you can enjoy the best of Florida’s natural beauty while still being close to urban conveniences. Spend your weekends exploring the nearby Ocala National Forest, or take a short drive to the stunning Gulf Coast beaches. With affordable housing options and a welcoming community, Summerfield is truly a hidden gem in Florida’s real estate market. Discover your dream home in this delightful town, where comfort and convenience come together beautifully!

Newest Summerfield Homes under $400,000

1933 Se 155th Street, Summerfield

1933 Se 155th Street, Summerfield

3 Beds ⋅ 2 Baths ⋅ Remington Oaks 02 Unrec SubDv. ⋅ 34491 Zip Code

Discover the ultimate countryside escape in Summerfield! This spacious mobile home sits on a highly private, quiet lot, making it the perfect canvas to create your dream budget-friendly mini-horse farm. The acreage comes equipped with 2 fenced paddocks featuring secure post, wire, and top-board fencing. Enjoy peaceful mornings on both the front and back covered porches. The property also features a secure gated entrance at the end of a rustic driveway, an inground pool awaiting your personal touch, and a massive detached structure ideal for a workshop or storage. Bring your tool belt and your vision to unlock this property's incredible potential!

1933 Se 155th Street, Summerfield

13875 Se 94th Avenue, Summerfield

13875 Se 94th Avenue, Summerfield

2 Beds ⋅ 2 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code

Welcome to this inviting Citation model home in the highly desirable, gated 55+ community of Del Webb’s Spruce Creek Golf & Country Club! Featuring a popular split-bedroom floor plan, this home offers a spacious primary bedroom suite, a second bedroom, and a versatile office/den—perfect for working from home, pursuing hobbies, or accommodating guests. Additional features include a two-car garage, paver driveway, and rear paver patio. One of the home's standout features is the approximately 28' x 10' enclosed lanai with central heating and air conditioning, providing exceptional additional living space beyond the approximately 1,575 square feet of interior living area. Enjoy added peace of mind with a roof reshingled in 2026 using Owens Corning shingles, a central HVAC system replaced in 2016, and a whole-house Generac generator installed in 2020 that automatically switches on during a power outage. The washer and dryer are included for added convenience. A three-burner Weber grill is also included if desired, and a 2022 electric golf cart is available separately at a discounted price. Del Webb’s Spruce Creek Golf & Country Club offers an incredible array of amenities and opportunities to stay active, socialize, and enjoy the Florida lifestyle. Residents can enjoy three swimming pools, three spas, more than 70 clubs, a clubhouse, fitness center, pickleball courts, tennis courts, shuffleboard, bocce ball, and scenic walking paths. Additional amenities are available for a fee, including RV storage, the Liberty Grille Restaurant, and four nine-hole golf courses. Whether you're looking for an active retirement lifestyle, a comfortable place to entertain, or a home with valuable upgrades and versatile living space, this Citation model offers a wonderful opportunity to enjoy all that Spruce Creek Golf & Country Club has to offer!

13875 Se 94th Avenue, Summerfield

10434 Se 178th Place, Summerfield

10434 Se 178th Place, Summerfield

2 Beds ⋅ 2 Baths ⋅ Spruce Crk South V SubDv. ⋅ 34491 Zip Code

Welcome home to Florida Life! This highly sought-after Pecan Model is located on a rare, oversized quarter-acre lot (0.25 acres) in the premier 55+ gated golf course and golf-cart community of Spruce Creek South in Summerfield, FL. Offering an exceptional layout with a massive amount of privacy, this beautifully maintained property features 2 bedrooms, 2 bathrooms, an attached 2-car garage, and a dedicated, extended golf cart garage—offering a generous 1,008 sq. ft. of climate-controlled living space and 1,731 sq. ft. under roof. Interior & Architectural Highlights: Step through the welcoming covered front porch—perfect for relaxing year-round. Step into a functional, open-concept floor plan. Durable laminate flooring spans the entry, and tile flooring throughout the kitchen, dining room, and bathrooms. Indoor & Outdoor Living: Entertainment options abound with a beautiful, 15' x 9' glass-enclosed Florida room/lanai great for entertaining and relaxing year-round that seamlessly transitions to a backyard concrete covered enclosed patio. Positioned between the lanai and the extended golf cart garage, this outdoor space offers maximum privacy within your fully fenced-in backyard and matured landscaping for privacy. The Location & Lifestyle: Situated right off the vibrant US Hwy 441/27 commercial corridor, you are just 2 miles from Spanish Springs Town Square and 7 miles from Lake Sumter Landing in The Villages. Enjoy instant access to daily shopping, premium dining, and free nightly live entertainment with a different band every single night! World-Class Community Amenities: Spruce Creek South offers an active, resort-style retirement culture. Residents enjoy access to a spectacular 16,000+ sq. ft. clubhouse packed with a fitness center, billiards, a grand ballroom, and an endless social calendar. Outdoor enthusiasts can take advantage of the championship golf course, tennis courts, pickleball, shuffleboard, and a community softball field. Unbeatable Value: An incredible investment opportunity at this price point. Explore the photos and the immersive Matterport 3D virtual tour. Contact me or your agent today to schedule your private tour and start living your Florida dream!

10434 Se 178th Place, Summerfield

13881 Del Webb Boulevard, Summerfield

13881 Del Webb Boulevard, Summerfield

3 Beds ⋅ 3 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code

PRICE TO SELL!! THE ONLY HOME IN DEL WEBB WITH A SIDE ENTRY OVERSIZE 2 CAR GARAGE 22 X 29 - WITH A VERY LONG DRIVEWAY - THIS ASPEN MODEL HAS 3 LARGE BEDROOMS - 2 1/2 BATHS - FLORIDA ROOM 23 X 13 THAT'S PART OF THE HOME - LARGE EAT IN KITCHEN THAT OVER LOOKS THE FAMILY ROOM - DINING ROOM - PATIO 9 X 34 THAT CAN BE ENCLOSED AS A BIRDCAGE - VIEW'S OF THE GOLF COURSE FROM THE FAMILY ROOM - PRIVATE WELL FOR IRRIGATION ONLY FOR LOWER WATER BILLS- EXTERIOR WAS PAINTED IN 2019 - BRAND NEW MICRO- WELL & A/C WAS JUST SERVICED - ROOF 2013 - A/C 2016

13881 Del Webb Boulevard, Summerfield

17565 Se 102nd Avenue, Summerfield

17565 Se 102nd Avenue, Summerfield

2 Beds ⋅ 2 Baths ⋅ Spruce Crk South 03 SubDv. ⋅ 34491 Zip Code

Welcome to your retirement oasis in Spruce Creek South! Welcome home to this light, bright, and spacious 2-bedroom, 2-bath home in the sought-after Spruce Creek South 55+ golf cart community, offering comfortable living spaces and an inviting Florida lifestyle. With over 1,400 square feet of air-conditioned living space, including a large bonus room, this versatile floor plan offers plenty of room to live, work, entertain, and enjoy your hobbies. The bonus room could easily serve as a home office, den, hobby room, or additional gathering space. The home features a welcoming eat-in kitchen with granite countertops, beautiful laminate flooring, and an open, comfortable layout designed for both everyday living and entertaining. Step outside to the covered and screened lanai, the perfect place to relax and enjoy the Florida weather while overlooking the beautifully landscaped, spacious, and private yard. A 2-car garage provides convenient parking and additional storage, while the new roof will be installed prior to closing, offering added peace of mind for the next owner. Enjoy the security and amenities of this guard-gated 55+ active adult community, where there is always something to do. Residents enjoy an impressive array of amenities, including a community pool and hot tub, golf, billiards, fitness facilities, horseshoes, a baseball field, and beautifully maintained grounds. With numerous social clubs and planned activities, it’s easy to stay active, make new friends, and enjoy everything this vibrant community has to offer. The location is hard to beat! Conveniently located next to The Villages, you’ll be close to an abundance of dining, shopping, entertainment, medical services, and religious institutions—putting everything you need within easy reach. And there’s even more to love: very reasonable HOA fees make this an exceptional opportunity to enjoy an active Florida lifestyle while keeping monthly community expenses manageable. The seller is highly motivated! Come see this wonderful home and all that Spruce Creek South has to offer. Bring your offers and make this Florida lifestyle your own!

17565 Se 102nd Avenue, Summerfield

13425 Se 86th Circle, Summerfield

13425 Se 86th Circle, Summerfield

3 Beds ⋅ 2 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code

A very nice ELKRIDGE by the original owner. 3 Bedrooms 2 Baths. Laminate flooring in main area with carpet in bedrooms.Custom window cornices. ROOF 2014 - HVAC 2022 . 28'x10' carpeted Lanai. Plantation Shutters. AWARD-WINNING Del Webb Spruce Creek Golf & Country Club is a GATED, 3,250 home, +55 Community with over 70 clubs, 3 pools, 3 spas, a Clubhouse, a Fitness Center, Bocce Ball, Shuffleboard, 12 Pickle ball Courts, 7 Tennis Courts, Sand Volleyball, Water Volleyball, Lake Vista Gazebo, Pavilions, Walking Paths and so much more! Come see this beautiful community with a GORGEOUS Tree Canopy on the Boulevard and its Restaurant, Liberty Grille. Come, enjoy the four (4) 9-hole Golf Courses today and begin living your BEST LIFE! Land, Sit

13425 Se 86th Circle, Summerfield

9561 Se 124th Loop, Summerfield

9561 Se 124th Loop, Summerfield

2 Beds ⋅ 2 Baths ⋅ Spruce Crk Cc-Tamarron Rep SubDv. ⋅ 34491 Zip Code

BEAUTIFULLY UPDATED MADEIRA WITH A 2026 ROOF, NATURAL GAS GENERAC GENERATOR, AND OVERSIZED 2-CAR PLUS GOLF CART GARAGE! Welcome to this meticulously maintained 2-bedroom, 2-bath home with a DEN/OFFICE, offering 1,652 square feet of comfortable living space in the highly desirable, gated 55+ community of DEL WEBB SPRUCE CREEK GOLF & COUNTRY CLUB! From the attractive curb appeal to the thoughtfully upgraded interior, this home offers an exceptional combination of style, comfort, and peace of mind. Major improvements include a NEW ROOF IN 2026, HVAC and HOT WATER HEATER approximately 3 years old, a NATURAL GAS GENERAC WHOLE-HOUSE GENERATOR, and recently painted exterior! Beautiful landscaping features decorative concrete CURB-IT edging and rock-filled flower beds for a clean, polished appearance. Step inside to discover an inviting OPEN FLOOR PLAN enhanced by DIAGONAL TILE FLOORING, WOOD LAMINATE FLOORING, KNOCKDOWN WALLS AND CEILINGS, PLANTATION SHUTTERS, and premium HUNTER DOUGLAS HONEYCOMB WINDOW TREATMENTS. The only carpeting is located in the guest bedroom! The spacious kitchen features WHITE CABINETRY, GRANITE COUNTERTOPS, a decorative TILE BACKSPLASH, NEW STAINLESS STEEL APPLIANCES, and a SIDE-BY-SIDE REFRIGERATOR. A versatile DEN/OFFICE with CUSTOM BUILT-IN CABINETRY and a WRAPAROUND DESK provides an ideal space for working from home, hobbies, or crafting. The generous PRIMARY SUITE offers a private retreat with an upgraded ensuite bath featuring GRANITE COUNTERTOPS, DUAL VANITIES, an UPDATED TOILET, and a beautifully appointed TILED SHOWER WITH SEAMLESS GLASS ENCLOSURE. The guest bathroom also features GRANITE COUNTERTOPS and an upgraded toilet. FRENCH DOORS open to the COVERED SCREENED LANAI, which extends to an ADDITIONAL SCREENED BIRDCAGE, creating a wonderful setting for outdoor relaxation and entertaining. One of this home’s standout features is the OVERSIZED 29’ x 26’ TWO-CAR PLUS GOLF CART GARAGE, offering generous room for vehicles, a golf cart, and additional storage. Residents of DEL WEBB SPRUCE CREEK GOLF & COUNTRY CLUB enjoy an outstanding collection of amenities, including a 32,000-square-foot community center, indoor and outdoor swimming pools, fitness center, tennis, pickleball, bocce ball, softball, walking trails, and the Eagle Ridge Golf Club. Golf cart-friendly streets and an active social calendar complete the Florida retirement lifestyle! With its EXTENSIVE UPDATES, MAJOR SYSTEM IMPROVEMENTS, NATURAL GAS GENERATOR, and EXCEPTIONAL GARAGE SPACE, this beautiful MADEIRA is ready for its next owner. SCHEDULE YOUR PRIVATE SHOWING TODAY!

9561 Se 124th Loop, Summerfield

13899 Se 53rd Terrace, Summerfield

13899 Se 53rd Terrace, Summerfield

4 Beds ⋅ 3 Baths ⋅ Belleview Estates First Add SubDv. ⋅ 34491 Zip Code

Virtually Staged. NEW CONSTRUCTION + $10,000 BUILDER INCENTIVE! Step into modern Florida living with this beautifully designed 4-bedroom, 3-bath residence, where thoughtful design, stylish finishes, and everyday comfort come together effortlessly. From the moment you enter, the open-concept layout creates an inviting sense of space, with the kitchen seamlessly overlooking the living and dining areas. Whether you’re hosting guests or enjoying a quiet evening at home, the layout offers the perfect balance of sophistication and functionality. The kitchen provides a beautiful centerpiece for the home, while the spacious living areas allow plenty of room to relax and entertain. The owner’s suite is a private retreat, featuring a generous walk-in closet and a spa-inspired bathroom designed to bring a luxurious touch to your everyday routine. Three additional bedrooms and two full bathrooms provides ample space for guests, family, a home office, or personal space. Outside, enjoy a peaceful setting complemented by an extended driveway and two-car garage, providing both convenience and curb appeal. And the location makes this home even more desirable. Just minutes from The Villages, you’ll have easy access to an exceptional selection of shopping, dining, golf, entertainment, theaters, and the lively atmosphere of the area’s beloved Town Squares. As an added opportunity, the builder is currently offering a limited-time $10,000 incentive that may be used toward closing costs, an interest rate buy-down, or the purchase price, subject to builder terms and availability. Brand-new, beautifully appointed, and ideally located—this is Florida living with a fresh, elevated feel. Schedule your private showing today and come experience it for yourself.

13899 Se 53rd Terrace, Summerfield

16376 Se 81st Court, Summerfield

16376 Se 81st Court, Summerfield

3 Beds ⋅ 2 Baths ⋅ 34491 Zip Code

One or more photo(s) has been virtually staged. Welcome to 16376 SE 81st Court in Orange Blossom Hills, Summerfield, Florida, where comfort, quality, and convenience come together in one exceptional home. This beautifully maintained former model home, built in 2013 and recently appraised prior to listing, offers 3 bedrooms, 2 bathrooms, and just under 2,000 square feet of thoughtfully designed living space on a spacious 0.29-acre lot. Best of all, you’ll enjoy no HOA and no age restrictions, making this property a rare find in one of Summerfield’s most desirable locations near The Villages. Inside, you’ll appreciate the well-designed split-bedroom floor plan that provides privacy while maximizing everyday functionality. The home features both a formal living room and a separate family room, along with a dedicated formal dining room, creating plenty of space for entertaining or relaxing. Elegant finishes throughout include crown molding, oversized 6-inch baseboards, cathedral ceilings in the living room, and tray ceilings in both the primary suite and formal dining room. The spacious kitchen is equipped with granite countertops, solid wood cabinetry, stainless steel appliances, and ample workspace, making it the perfect gathering place for family and friends. The oversized primary suite offers a peaceful retreat with a tray ceiling, an expansive walk-in closet, and a spa-inspired ensuite featuring dual vanities, a soaking tub, and a separate walk-in shower. The generously sized guest bathroom, inside laundry room, and abundant storage add to the home’s practical appeal. Step outside to the screened rear lanai and enjoy the privacy of the fully vinyl-fenced backyard. With mature trees thoughtfully positioned away from the home, you’ll have plenty of open space for pets, outdoor entertaining, gardening, or simply enjoying Florida’s beautiful weather. Located in Orange Blossom Hills, this home offers quick access to The Villages while allowing you to enjoy the freedom of a non-age-restricted community without HOA fees. You’ll be just minutes from Spanish Springs Town Square, Lake Sumter Landing Market Square, Brownwood Paddock Square, The Villages Charter School, UF Health The Villages® Hospital, Lake Weir, shopping, restaurants, golf courses, medical facilities, and entertainment. With convenient access to Belleview, Ocala, Interstate 75, and US Highway 441, commuting throughout Central Florida is effortless. If you’re searching for a home for sale in Orange Blossom Hills, a Summerfield home near The Villages, or a move-in-ready Florida home with no HOA, 16376 SE 81st Court offers the perfect blend of location, quality, and value. Schedule your private showing today and experience everything this exceptional property has to offer. VirtuallyStaged.

16376 Se 81st Court, Summerfield

11001 Se Sunset Harbor Road Unit E36, Summerfield

11001 Se Sunset Harbor Road Unit E36, Summerfield

2 Beds ⋅ 2 Baths ⋅ Loch Harbour Village SubDv. ⋅ 34491 Zip Code

Welcome to Loch Harbour where you can enjoy lakeside living right in Summerfield, Florida. This home has been fully updated and will be sold turn key. Downstairs you will find a bright, remodeled kitchen that has been outfitted with granite counters, stainless appliances, and sleek backsplash. There is a convenient half bath downstairs as well as two storage closets. Hard floors throughout for easy maintenance. Off the living room you will find a 10x9 Florida room overlooking the back patio. Enjoy the functional and updated downstairs laundry room. Upstairs you will find two bedrooms and a tastefully remodeled bathroom. Off the primary there is direct access to the NW facing balcony where you can enjoy morning coffee or evening sunsets. Other updates to the home include the HVAC in 2021, electrical panel in 2024, water heater in 2024, and stylish trim work throughout. Loch Harbour is a lake front community with beach access and amenities including: pool, tennis/pickleball court, basketball court, boat slips (available for rent), and more. Your monthly HOA fee includes access to the amenities, exterior insurance, trash, exterior maintenance and lawncare.

11001 Se Sunset Harbor Road Unit E36, Summerfield

13553 Se 39th Terrace, Summerfield

13553 Se 39th Terrace, Summerfield

3 Beds ⋅ 2 Baths ⋅ Belleview Heights Estate SubDv. ⋅ 34491 Zip Code

Step inside and discover the perfect blend of modern style, comfort, and thoughtful updates on this renovated 3-bedroom, 2-bathroom residence with a 2-car garage, located in the desirable Summerfield community! Featuring updates that is not the ordinary, a bright and airy atmosphere, and versatile living space, this home is move-in ready and waiting for its new owner. As you step inside, you'll immediately appreciate the light-filled interior, neutral wall colors, and beautiful luxury vinyl plank (LVP) flooring that flows throughout the home. New adjustable and dimmer recessed lighting adds a modern touch and enhances the inviting ambiance. The updated kitchen is a standout feature, offering stainless steel appliances, quartz countertops, abundant soft close cabinetry, pull-out spice drawers, two convenient Lazy Susan organizers and pull-out garbage cabinet. Whether preparing everyday meals or entertaining guests, this kitchen combines style and functionality. The spacious primary suite features an updated en-suite bathroom with a sliding barn-style glass door, a modern shower with a built-in shampoo niche, and a beautiful skylight that brings in natural light. The two additional bedrooms are nicely sized and offer flexibility for family and guests, secondary bathroom offers modern updates as well and skylight. Addition to the home is an under air expansive additional enclosed room that offer flexibility for family or a home office, hobby space, or relaxation area to suit your lifestyle Major improvements provide added peace of mind, including a 2024 HVAC system with UV technology which offers a clean air filtration system, a roof installed in 2025, and a new water heater and whole house copper plumbing. The beautifully landscaped yard adds curb appeal and completes this inviting property. No details on this home was overlooked.

13553 Se 39th Terrace, Summerfield

4997 Se 145th Place, Summerfield

4997 Se 145th Place, Summerfield

3 Beds ⋅ 3 Baths ⋅ Breezewood Estate SubDv. ⋅ 34491 Zip Code

A LOT of house for the money! Priced at just $169,900, this 3-bedroom, 2-bath Summerfield home offers more than 1,800 square feet of living space on a generous .35-acre lot, with plenty of room, several important improvements already completed, and an opportunity for the next owner to make it their own. Step inside and you'll immediately notice the spacious floor plan. The oversized living room features a dramatic floor-to-ceiling stone fireplace and opens to a large dining area and kitchen, creating an expansive main living space that's increasingly hard to find at this price point. The kitchen offers abundant cabinetry, generous counter space, and a breakfast bar, while an enclosed porch provides additional flexible living space. The third bathroom has been converted to storage, but water connections remain in case the new owner would like to add it back. Several of the big-ticket items have already been addressed, including a newer metal roof and HVAC system (replaced in 2023), along with updated subflooring and finish flooring in several areas. A whole-home water filtration system (added in 2020) serves the private well. Outside, the .35-acre property offers plenty of breathing room, with a detached storage/workshop building, covered outdoor area, mature trees, and a partially fenced yard. And there's NO HOA! This home presents an appealing opportunity for a buyer who values space and affordability and doesn't mind taking on some cosmetic projects along the way. It's not a freshly remodeled, cookie-cutter house, but that's part of the opportunity: make the improvements you want, on your schedule, and put your own stamp on the property. It could also be an interesting option for an investor looking for a property with additional upside potential. Conveniently located in Summerfield with easy access to US-441/27, CR-42, and The Villages. Priced with its remaining updates in mind and being sold AS-IS. If you've been searching for an affordable home with space, land, and potential, come take a look!

4997 Se 145th Place, Summerfield

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