Oak Terrace Homes under $400,000

Welcome to Oak Terrace, a hidden gem nestled in the heart of sunny Florida! This charming subdivision is perfect for families, first-time homebuyers, and anyone seeking a vibrant community with a welcoming atmosphere. Oak Terrace boasts a variety of homes that cater to diverse lifestyles, all while keeping affordability in mind.

Here, you will find beautifully designed residences priced under $400,000, making it an ideal place for those looking to invest in their dream home without breaking the bank. Each property showcases unique architectural styles, ranging from cozy single-family homes to modern townhouses, ensuring that there is something for everyone. With spacious layouts, contemporary finishes, and inviting outdoor spaces, these homes are perfect for creating lasting memories.

The community of Oak Terrace is not just about the homes; it’s about the lifestyle. Residents enjoy access to well-maintained parks, walking trails, and recreational facilities, promoting an active and healthy way of life. The friendly neighborhood atmosphere encourages social interaction, with regular community events and gatherings that foster a sense of belonging.

Conveniently located near shopping centers, dining options, and top-rated schools, Oak Terrace offers the perfect blend of suburban tranquility and urban convenience. Whether you’re taking a leisurely stroll through the neighborhood or enjoying a weekend barbecue with friends, you’ll quickly discover why Oak Terrace is the ideal place to call home.

Explore your new beginning in Oak Terrace, where affordability meets community spirit, and your dream home awaits!

Newest Oak Terrace Homes under $400,000

$399,990

4 Beds ⋅ 2 Baths ⋅ OM733674 MLS

Virtually Staged. INVESTOR’S SPECIAL – TURNKEY CASH FLOW! Income-producing 4BR/2BA pool home offering 2,001 heated sq ft / 3,440 total sq ft on nearly half an acre (0.49 acres). Tenant in place paying $2,700/month under a lease expiring 5/31/27—buyer to assume lease at closing. Tenant maintains pool, landscaping, and lawn care, keeping expenses low. Features include an open floor plan with laminate flooring, spacious living room with fireplace and pool views, modern kitchen with stainless appliances and butcher block counters, split bedroom layout, and private primary suite with walk-in closet and en-suite bath. Screened lanai overlooks a 20x40 pool. Major updates include roof & windows (2017), HVAC (2014), and pool pump (2022). Conveniently located minutes from downtown Ocala, recreation, entertainment, dining, and shopping. Don’t delay—call today to secure this income-producing opportunity!

126 Se 41st Avenue, Ocala

Listing courtesy of KELLER WILLIAMS CORNERSTONE RE. 352-369-4044

$199,500

3 Beds ⋅ 1 Baths ⋅ 2167849 MLS

First-time homebuyers, this may be the one you've been waiting for! Welcome to 2601 State Street in Palatka, a clean and move-in-ready 3-bedroom, 1-bath concrete block home that offers a lot at this price point. Sitting on a fully fenced corner lot, this home features a huge yard with plenty of room to make it your own. Whether you envision backyard cookouts, a fire pit, space for pets, a garden, or simply room to spread out, the outdoor space is one of the highlights of this property. The covered front porch provides another great place to relax, while the adjoining carport and decorative privacy wall create a surprisingly inviting outdoor entertaining area. Inside, you'll find a practical layout with central heating and air and plenty of opportunity to add your own personal touches over time. Public water and sewer add to the everyday convenience. And you don't have to sacrifice location for the extra space. You're approximately 7 minutes from downtown Palatka, with shopping, dining, the St. Johns River, and everyday necessities close by. Clean, vacant, easy to show, and ready for its next owner. For a first-time buyer looking for an affordable home with a huge, fenced yard and room to make it their own, 2601 State Street is worth a look.

2601 State Street, Palatka

Courtesy of ENDLESS SUMMER REALTY

Listing courtesy of ENDLESS SUMMER REALTY.

Listing courtesy of KURT BOGART from ENDLESS SUMMER REALTY.

$210,000

4 Beds ⋅ 2 Baths ⋅ 2157658 MLS

Move into brand-new construction without the premium price! This stunning 2026-built 4-bedroom, 2-bath home offers 1,200 sq. ft. of thoughtfully designed living space with an open-concept layout perfect for everyday living and entertaining. The designer kitchen features quartz countertops, shaker-style cabinetry, stainless steel appliances, a spacious center island, and modern pendant lighting. Luxury vinyl plank flooring flows throughout the home, complemented by recessed lighting, stylish fixtures, and a light-filled interior. The primary suite offers a private bath, while both bathrooms showcase contemporary vanities and finishes. Enjoy the convenience of an attached garage and a backyard ready for your personal touch. Located just minutes from Downtown Jacksonville, EverBank Stadium, UF Health, Springfield, Jacksonville International Airport, shopping, restaurants, parks, and major highways, this home is an exceptional opportunity for homeowners and investors alike!

25 E 31st Street, Jacksonville

Courtesy of PUBLIC SERVICES REALTY

Listing courtesy of PUBLIC SERVICES REALTY.

Listing courtesy of KEISHA HODGES from PUBLIC SERVICES REALTY.

$254,900

3 Beds ⋅ 2 Baths ⋅ L4954920 MLS

This home has now been rewired and repiped! Plus HVAC completely serviced. Charming 1920s home that has been beautifully renovated. - All new plumbing pipes just 7/2026 - Features 3 bedrooms and 2 bathrooms - Spacious 1,334 square feet - New vinyl flooring throughout Includes a dedicated laundry room. Set on a generous .69 acres with no HOA, this property offers a serene environment. Meticulously updated with modern amenities, this home showcases a brand-new electric tankless water heater and updated light fixtures. The exterior highlights a new roof, fresh paint, plus a new well pump and tank. Close to State Road 37, State Road 60 and Interstate 4. A short ride to restaurants, shopping and services in Mulberry and Lakeland.

4925 Magnolia Avenue, Mulberry

Listing courtesy of FLORIDA LANDMARK REALTY. 863-582-1109

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