Saddle Oaks Homes under $400,000

Welcome to Saddle Oaks, a charming subdivision nestled in the heart of Jacksonville, Florida, within Duval County. This delightful community offers a perfect blend of suburban tranquility and urban convenience, making it an ideal choice for families, professionals, and retirees alike.

Saddle Oaks is characterized by its beautifully landscaped streets, friendly neighbors, and a welcoming atmosphere. The subdivision is conveniently located near major highways, providing easy access to downtown Jacksonville, shopping centers, and an array of dining options. Residents can enjoy the best of both worlds – a peaceful neighborhood retreat with the vibrant energy of the city just a short drive away.

One of the standout features of Saddle Oaks is the availability of homes priced under $400,000. This affordability allows a diverse range of buyers to find their dream home without breaking the bank. The homes in this subdivision boast modern designs, spacious layouts, and a variety of amenities to suit every lifestyle. From cozy single-family homes to charming townhouses, there’s something for everyone in Saddle Oaks.

Families will appreciate the nearby schools, parks, and recreational facilities, creating a nurturing environment for children to grow and thrive. Whether you’re looking to settle down or invest, Saddle Oaks offers a unique opportunity to be part of a vibrant community in one of Florida's most sought-after locations.

Discover the charm of Saddle Oaks today, where your dream home awaits in a community that feels like family!

Newest Saddle Oaks Homes under $400,000

8421 Horsebit Circle Unit 282, Jacksonville

$279,900

4 Beds ⋅ 2 Baths ⋅ 2168628 MLS

Open House 10/10 12pm 2pm! Ask about builder incentives with special pricing! Welcome to the Holly, a thoughtfully designed 4-bedroom, 2-bathroom home offering 1,715 sq. ft. of modern comfort and style. This home features wood-look tile throughout the main living areas, with cozy carpeting in the bedrooms for added warmth. The spacious kitchen is a chef's delight, boasting granite countertops, a full suite of appliances, and ample room for meal prep and entertaining. Relax in style with the assurance of a builder warranty, providing peace of mind for years to come. Plus, take advantage of closing cost assistance, making your dream of homeownership more attainable. Discover the Holly floorplan today and see why it's the perfect place to call home! This is base pricing - max incentives with special pricing.

8421 Horsebit Circle Unit 282, Jacksonville

Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE.

Listing courtesy of CARRIE HEUSTIS from KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE.

$346,990

4 Beds ⋅ 3 Baths ⋅ 2167919 MLS

Under Construction: Ready December 2026! NO CDD FEES! Welcome to the Conway floor plan from Lennar homes! This neighborhood is truly one-of-a-kind! This thoughtfully designed two-story home offers a spacious, open-concept layout ideal for everyday living and entertaining. The main level seamlessly connects the kitchen, dining area, and family room, creating an inviting central gathering space. Sliding glass doors open to a covered patio, extending the living area outdoors for effortless indoor-outdoor enjoyment. Privately positioned on the main level, the owner's suite features a relaxing retreat with a private bath and walk-in closet. Upstairs, three additional bedrooms provide comfortable accommodations, while a generous loft offers flexible space for entertaining, a media area, or a playroom. With its versatile layout and inviting living spaces, this home is designed to fit the way you live. (Conditions may apply)

6179 Rein Avenue, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$288,900

3 Beds ⋅ 2 Baths ⋅ 2167638 MLS

2024 Lennar Alexia floor plan featuring 3 bedrooms, 2.5 bathrooms, and a 2-car garage. Refreshed in 2026, this home offers white cabinetry, white quartz kitchen countertops, 42-inch cabinets, stainless steel appliances including range, dishwasher, microwave, and refrigerator, plus ceramic wood-look tile throughout the main living areas, dining area, and halls. Additional features include window blinds throughout, a screened lanai and sprinkler system.

9591 Giada Drive, Jacksonville

Courtesy of EXIT INSPIRED REAL ESTATE

Listing courtesy of EXIT INSPIRED REAL ESTATE.

Listing courtesy of ERIC PARSONS from EXIT INSPIRED REAL ESTATE.

$309,900

4 Beds ⋅ 2 Baths ⋅ 2167522 MLS

$30k In Flex Cash in October!!!Use towards closing costs or rate buy down! Welcome to the Holly, a thoughtfully designed 4-bedroom, 2-bathroom home offering 1,715 sq. ft. of modern comfort and style. This home features wood-look tile throughout the main living areas, with cozy carpeting in the bedrooms for added warmth. The spacious kitchen is a chef's delight, boasting granite countertops, a full suite of appliances, and ample room for meal prep and entertaining. Relax in style with the assurance of a builder warranty, providing peace of mind for years to come. Plus, take advantage of closing cost assistance, making your dream of homeownership more attainable. Discover the Holly floorplan today and see why it's the perfect place to call home!

9024 Whinny Way Unit 275, Jacksonville

Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE.

Listing courtesy of CARRIE HEUSTIS from KELLER WILLIAMS REALTY ATLANTIC PARTNERS SOUTHSIDE.

$278,990

3 Beds ⋅ 2 Baths ⋅ 2166931 MLS

***MOVE IN READY - BRAND NEW HOME*** Welcome to Lennar's desirable Belmont floor plan, featuring 3 bedrooms, 2 bathrooms, and a 2-car garage. This thoughtfully designed home includes Lennar's signature Everything's Included® features, with white cabinetry, 42-inch upper cabinets, white quartz kitchen countertops, and Frigidaire stainless steel appliances, including a range, dishwasher, microwave, and refrigerator. LVP flooring extends throughout the main living areas, including the living room, dining area, and hallways. Additional highlights include quartz bathroom vanities, a screened-in lanai, and a full irrigation sprinkler system. A one-year builder warranty provides added peace of mind. This home offers a stylish, comfortable, and low-maintenance lifestyle with quality finishes throughout. (Conditions may apply)

6304 Mare Avenue, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$331,990

4 Beds ⋅ 2 Baths ⋅ 2165019 MLS

Under Construction: Ready December 2026! Welcome to the Celeste by Lennar Homes, offering 4 bedrooms, 2 bathrooms, and a 2-car garage. This home showcases Lennar's signature Everything's Included package with 42'' white cabinets, elegant white quartz kitchen countertops, and quartz vanities. The kitchen is equipped with a full suite of Frigidaire stainless steel appliances (range, dishwasher, microwave, and refrigerator). Durable ceramic wood plank tile flows throughout the main living areas, dining, and halls. Enjoy outdoor living with a screened lanai and the convenience of a full sprinkler system. Peace of mind comes standard with a 1-year builder warranty, a dedicated customer service program, and 24-hour emergency service. (Conditions may apply).

6171 Mare Avenue, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$374,990

4 Beds ⋅ 3 Baths ⋅ 2161761 MLS

Under Construction: Ready November 2026! NO CDD FEES! This neighborhood is truly one-of-a-kind! Introducing the Brio by Lennar Homes, offering 4 bedrooms, 2.5 bathrooms, a study, and a 2-car garage. This spacious floor plan includes nice features, such as white cabinets with white quartz kitchen countertops, 42'' upper cabinets, and Frigidaire stainless steel appliances including a range, dishwasher, microwave, and refrigerator. Ceramic wood-look tile flows through the main living areas and extends into the living room, dining room, and hallways. Additional features include window blinds throughout, a screened lanai, and a full sprinkler system. Enjoy peace of mind with a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

9194 Country House Drive, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$299,990

3 Beds ⋅ 2 Baths ⋅ 2161755 MLS

***MOVE IN READY - BRAND NEW HOME*** Welcome to the Felicia floor plan by Lennar! This new single-story home offers a thoughtfully designed layout with three bedrooms and inviting open-concept living spaces. The chef-ready kitchen seamlessly connects to the spacious living and dining areas, creating an ideal setting for everyday living and entertaining. Two secondary bedrooms are conveniently located near a full bathroom, while the private owner's suite is tucked away at the rear of the home for added comfort and privacy. The suite features a relaxing en-suite bathroom and generous walk-in closet. This home is backed by a one-year warranty for added peace of mind. (Conditions may apply) (Conditions may apply)

6286 Mare Avenue, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$289,943

3 Beds ⋅ 2 Baths ⋅ 2161751 MLS

6310 Mare Avenue, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$332,990

5 Beds ⋅ 3 Baths ⋅ 2161692 MLS

Under Construction! NO CDD FEES! This neighborhood is truly one-of-a-kind! Welcome to the Edison floor plan featuring 5 bedrooms, 2.5 baths, and a 2-car garage. This home includes Lennar's signature Everything's Included features: 36'' white recessed panel cabinetry with quartz countertops, stainless steel appliances (range, dishwasher, microwave, and refrigerator), wood-inspired luxury vinyl plank flooring, Honeywell Z-Wave smart thermostat and an energy-efficient water heater. Backed up with 1 year builder warranty. This nice area offers the perfect blend of comfort, convenience, and natural beauty. Located in North Jacksonville, this area provides easy access to major highways, making commutes to downtown, the airport, and nearby shopping centers quick and convenient. (Conditions may apply)

6334 Rein Avenue, Jacksonville

Courtesy of LENNAR REALTY INC

Listing courtesy of LENNAR REALTY INC.

Listing courtesy of JENNIFER RICHELLE SMART from LENNAR REALTY INC.

$300,000

4 Beds ⋅ 3 Baths ⋅ 2159207 MLS

**THE HOME YOU'VE BEEN WAITING FOR IS HERE!** Welcome to this stunning 2024-built, two-story lakefront home offering modern style, thoughtful design, and beautiful water views. Featuring **4 bedrooms, 3 full bathrooms, and an open-concept layout**, this nearly new home is designed for both everyday living and effortless entertaining. The heart of the home is the **spacious chef-inspired kitchen**, overlooking the open living area and breathtaking lake views. A **first-floor bedroom with a full bathroom** provides the perfect flexibility for guests, multi-generational living, or a private home office. Enjoy the added benefits of **NO CDD fees and a low HOA that includes internet**, along with a 2-car garage and an impressive suite of energy-efficient and smart-home features, including **solar panels, smart home technology, and LED lighting**. With a 2024 construction date and newer roof and major systems, you can enjoy the peace of mind that comes with a newer home.

9574 Giada Drive Drive, Jacksonville

Courtesy of REALTY ONE GROUP ELEVATE

Listing courtesy of REALTY ONE GROUP ELEVATE.

Listing courtesy of ITALY E RITCHIE from REALTY ONE GROUP ELEVATE.

$372,000

4 Beds ⋅ 3 Baths ⋅ 2158378 MLS

NEW IMPROVED PRICE AND OPEN HOUSE FRIDAY 10/9 FROM 4:30 - 7:00PM!! MOTIVATED SELLER!! 4BR/3BA Lennar Tivoli home on a pond in Saddle Oaks, Jacksonville. Built in 2024 with 2,297 sq ft, guest suite and 3-car garage. Built in 2024, this original Lennar Tivoli floor plan is located on a pond in Jacksonville's Saddle Oaks neighborhood. The home offers 4 bedrooms, 3 full bathrooms, 2,297 square feet, a 3-car garage, and a 0.38-acre lot, providing a blank slate for a new owner to personalize. Ceramic tile runs throughout the main living areas, while all four bedrooms feature carpet. One secondary bedroom is arranged as a guest suite, offering additional privacy and convenient access to a full bathroom. The primary suite includes a private bathroom with a separate shower and tub. The remaining bedrooms and living spaces provide flexibility for sleeping, working, hobbies, or additional storage. The 3-car garage provides room for vehicles, tools, recreational equipment, or household storage. The 0.38-acre pond-view lot adds outdoor space and a natural backdrop for everyday enjoyment or future improvements, subject to applicable HOA and local requirements. Saddle Oaks HOA amenities include a community pool, dog parks, and a playground. Located in Jacksonville, Florida 32219, this home combines a newer construction year, pond frontage, four-bedroom flexibility, three full baths, guest-suite functionality, and generous garage space.

9729 Gaynor Circle, Jacksonville

Courtesy of COLDWELL BANKER VANGUARD REALTY

Listing courtesy of COLDWELL BANKER VANGUARD REALTY.

Listing courtesy of THOMAS YATES from COLDWELL BANKER VANGUARD REALTY.

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