Waterford Lakes Homes under $400,000

Welcome to Waterford Lakes, a charming subdivision nestled in the heart of sunny Florida! This vibrant community offers a perfect blend of suburban tranquility and modern convenience, making it an ideal place to call home. With its picturesque landscapes, serene lakes, and well-maintained parks, Waterford Lakes is a haven for families, retirees, and anyone looking to enjoy the Florida lifestyle.

One of the standout features of Waterford Lakes is its diverse selection of homes, many of which are attractively priced under $400,000. This affordability makes it an excellent option for first-time homebuyers or those seeking a budget-friendly residence without compromising on quality or amenities. The community boasts a variety of architectural styles, from cozy single-family homes to more spacious options, ensuring there’s something for everyone.

Residents of Waterford Lakes enjoy a wealth of amenities, including access to community pools, walking trails, and recreational facilities, perfect for fostering an active lifestyle. The area is also conveniently located near shopping centers, dining options, and highly-rated schools, making daily life both easy and enjoyable.

In addition to its beautiful homes and community amenities, Waterford Lakes is known for its friendly atmosphere and strong sense of community. Neighbors become friends, and local events bring residents together, creating a warm and welcoming environment.

If you’re searching for an affordable home in a picturesque Florida community, look no further than Waterford Lakes. Discover your dream home today and embrace the vibrant lifestyle this enchanting subdivision has to offer!

Newest Waterford Lakes Homes under $400,000

$318,000

3 Beds ⋅ 3 Baths ⋅ 2167561 MLS

Welcome to Waterford Lakes at SilverLeaf, where modern living meets an unbeatable St. Augustine location! Built in 2022 by D.R. Horton, this nearly new townhome features 2 bedrooms and 2.5 bathrooms, offering the perfect blend of comfort, style, and low maintenance living. Located within the highly sought after SilverLeaf community, residents enjoy access to resort style amenities including a community pool, splash pad, fitness center, and scenic walking and biking trails. SilverLeaf is a natural gas community surrounded by acres of beautiful conservation land and, best of all, offers NO CDD fees and a LOW HOA. Zoned for highly rated St. Johns County schools and conveniently located near shopping, dining, and major roadways, this home provides easy access to I 95, SR 9B, Jacksonville, and historic St. Augustine. Enjoy the benefits of a newer home, fantastic amenities, and an exceptional location, all without the added expense of CDD fees!

217 Coastline Way, St. Augustine

Courtesy of PREMIER HOMES REALTY INC

Listing courtesy of PREMIER HOMES REALTY INC.

Listing courtesy of Tari Taylor from PREMIER HOMES REALTY INC.

$317,000

3 Beds ⋅ 3 Baths ⋅ 2166755 MLS

OPEN HOUSE Friday 3-5 and Saturday 12-2! Waterford Lakes in Silverleaf Townhome move in ready now! Featuring 3 bedrooms, 2 full bathrooms, a convenient downstairs half-bath, and a 1-car attached garage, this home is ready for you to move right in. The bright and open floor plan features durable, easy-to-clean ceramic tile flooring throughout the entire downstairs, creating a seamless flow from the living area to the kitchen. A downstairs half-bath ensures comfort and privacy for guests. Walk upstairs to find all three bedrooms, wrapped in plush, comfortable carpeting. Enjoy the ultimate financial perk—NO CDD fees and low HOA fees, making this one of the most affordable ways to live in luxury! Fully equipped Fitness Center/Gym. Sparkling, resort-style Swimming Pool. Fun-filled Kiddie Splash Park / Splash Pad. Miles of walking, biking, and golf-cart friendly trails. Nestled in highly desirable St. Johns County, you are minutes away from top-rated, A-rated schools. This convenient location offers swift access to major roadways for an effortless commute to Jacksonville or historic downtown St. Augustine, while shopping, dining, and daily essentials are just right around the corner.

102 Java Lane, St. Augustine

Courtesy of MOXII PRO REALTY

Listing courtesy of MOXII PRO REALTY.

Listing courtesy of LINDA PEPPE from MOXII PRO REALTY.

$299,000

2 Beds ⋅ 2 Baths ⋅ 264253 MLS

Welcome to this charming 2-bedroom, 2.5-bath townhome in the desirable Waterford Lakes community in Silverleaf! Step inside to a bright and open floor plan designed for comfortable everyday living and entertaining. The beautiful kitchen flows seamlessly into the spacious living and dining areas, creating an inviting and connected main living space. A convenient half bath is also located on the main floor. Upstairs, you’ll find two spacious bedrooms, each featuring its own private ensuite bathroom—perfect for added comfort and privacy. The home also includes a 1-car garage for additional parking and storage. Waterford Lakes offers fantastic community amenities, including a private pool, fitness center, and gated entrance. Residents also enjoy access to SilverLeaf’s impressive resort-style amenities! Conveniently located near shopping, dining, grocery stores, major highways, and top-rated schools, this townhome offers the perfect combination of comfort, convenience, and community living.

341 Coastline Way, St Augustine

Courtesy of Lighthouse Realty Associates

$259,000

2 Beds ⋅ 3 Baths ⋅ 2164489 MLS

INCREDIBLE VALUE IN SILVERLEAF! Looking for your first home? Downsizing? Smart investment? At this price, the cul-de-sac location and community lifestyle are hard to beat. Clean, well-maintained, and freshly painted throughout; this 2 Bedroom, 2.5 Bath townhome features an attached 1 Car Garage in gated Waterford Lakes! All kitchen appliances are included; featuring natural gas range and tankless water heater. Washer and dryer are also included. Tucked away on a private cul-de-sac lot with additional guest parking just steps away, enjoy low-maintenance living. Residents enjoy a private community pool, kids' water park, fitness center and walking/biking paths nearby! Residents will benefit from being zoned for top-rated St. Johns County schools, a LOW HOA, and NO CDD fees. Ideally located near shopping, dining, and major roadways for an easy commute to I-95 and SR 9B, Jacksonville, St. Augustine, and surrounding areas. Don't miss this one!

41 Temple Drive, St. Augustine

Courtesy of RE/MAX SPECIALISTS

Listing courtesy of RE/MAX SPECIALISTS.

Listing courtesy of DIMPLE SMITH from RE/MAX SPECIALISTS.

$368,500

4 Beds ⋅ 2 Baths ⋅ V4951018 MLS

LOCATION..LOCATION...LOCATION.. !!! Come and check this well maintained home, freshly painted inside and out.!!Roofing installed 2022, A/C system installed 2021 with current annual maintainance contract. brand new water heater. newly installed luxury vinyl flooring planks...

1306 Island Cove Drive, Deland

Listing courtesy of BEE REALTY CORP. 386-279-7522

$319,900

2 Beds ⋅ 3 Baths ⋅ 2163492 MLS

Welcome to your new home in the highly sought-after Waterford Lakes community! This like-new townhome features 2 bedrooms and 2.5 bathrooms, perfectly blending modern luxury with low-maintenance living. Every inch of this property has been meticulously upgraded to offer an easy lifestyle. This home is packed with high-end, functional upgrades that truly set it apart: the Rinnai Tankless Water Heater lets you enjoy endless hot water and maximum energy efficiency. The ultimate garage oasis features durable, professional epoxy flooring and custom built-in shelving units for massive storage capacity. The dream outdoor area lets you step outside to a private outdoor space designed for ultimate relaxation, morning coffees, or weekend barbecues. The home offers very reasonable monthly utility costs adding to the overall appeal. Located in fabulous Waterford Lakes, you are just minutes away from top-tier shopping, dining, entertainment, and excellent schools, with easy highway access.

465 Coastline Way, St. Augustine

Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS.

Listing courtesy of TONYA O'QUINN from KELLER WILLIAMS REALTY ATLANTIC PARTNERS.

$325,000

3 Beds ⋅ 3 Baths ⋅ 2162460 MLS

Live Where Others Vacation! Welcome to this beautifully situated 3-bedroom, 2.5-bath townhome in Waterford Lakes, a gated community within the highly desirable SilverLeaf planned community in St. Johns County, known for its A-rated schools, and incredible amenities. This home is truly special, with one of only a select few townhome lots offering an unobstructed pond view and very private open park-like greenspace. The sellers added a huge custom pavered patio, creating an exceptional outdoor living and entertaining space. The tranquil water view and expansive greenspace were among the features that made this home stand out and inspired the current owner to purchase. Inside, you'll find an open floor plan with high ceilings, custom tile flooring throughout the entire downstairs, and a spacious family room overlooking the pond. The impressive kitchen features granite countertops, a huge California-style counter, abundant cabinetry, gas oven, and stainless-steel appliances--all appliances convey. The screened porch offers plenty of room to relax while enjoying the peaceful water and greenspace views. All three bedrooms are upstairs, with the flexible layout offering the possibility of a home office or study. Investment opportunity: The home is currently tenant occupied with an excellent rental history. The lease expires December 15, 2026, and the tenant would like to remain if the new owner is willing to continue the tenancy. Enjoy all that SilverLeaf has to offer, including resort-style amenities, pools, fitness, parks, trails, and recreational spaces, all conveniently located near shopping, dining, major roadways, and beaches. Rare setting. Beautiful home. Exceptional lifestyle. Live where other people vacation!

467 Coastline Way, St. Augustine

Courtesy of ENGEL & VOLKERS FIRST COAST

Listing courtesy of ENGEL & VOLKERS FIRST COAST.

Listing courtesy of JOANIE HEIGHES PA from ENGEL & VOLKERS FIRST COAST.

$327,000

3 Beds ⋅ 3 Baths ⋅ 2162135 MLS

Looking for newer construction in SilverLeaf without the CDD? This 2023 Waterford Lakes townhome delivers! This 3-bedroom, 2.5-bath Harper plan is located within gated Waterford Lakes and features an open-concept main level, granite countertops, large kitchen island, walk-in pantry, 1-car garage and screened lanai. An added accent wall brings character to the living space, while the lanai offers a more open setting with no townhome directly behind and additional parking conveniently nearby. Upstairs, all three bedrooms are located alongside the laundry room, with ceiling fans added to each bedroom. Enjoy a low HOA and NO CDD, plus a community pool, splash pad, fitness center and nature trails--all convenient to shopping, dining, historic St. Augustine and the beaches.

172 Java Lane, St. Augustine

Courtesy of HOUSE & HAVEN

Listing courtesy of HOUSE & HAVEN.

Listing courtesy of LAUREN SHARP from HOUSE & HAVEN.

$315,000

3 Beds ⋅ 3 Baths ⋅ 2161441 MLS

SHORT SALE* One of the LARGEST floor plans in Waterford Lakes at Silverleaf. Expansive open layout, mudroom, and stunning Silverleaf preserve views! 3BR/2.5BA split plan with resort amenities nearby. Short sale opportunity. **APPROVED SHORT SALE LIST PRICE** APPRAISED HIGHER THAN LIST, INSTANT EQUITY!! The Waterford Lakes & Silverleaf Lifestyle Resort-style community amenities include a gated entry, fitness center, sparkling pool, and splash pad. Situated right in the growth corridor near the massive new Publix, new Baptist Health/Wolfson Children's Hospital, and future retail development!

164 Java Lane, St. Augustine

Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE.

Listing courtesy of DEMI JUDD from KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE.

$229,900

2 Beds ⋅ 3 Baths ⋅ 2161404 MLS

Welcome to 392 Coastline Way, where everyday living feels like a getaway. Nestled in the sought-after Silverleaf community, this home offers bright, open spaces, stylish finishes, and a layout designed for both connection and comfort. The heart of the home is the expansive kitchen and living area--perfect for hosting friends, cooking together, or unwinding after a long day. Large windows fill the space with natural light, creating a warm, inviting atmosphere. The primary suite delivers resort-level relaxation, while the additional bedroom adapt effortlessly to your lifestyle. Step outside to enjoy a peaceful backyard oasis ideal for grilling, lounging, or simply soaking in the Florida sunshine. With access to Silverleaf's pools, parks, trails, and vibrant community events, this home puts the best of modern living right at your doorstep. Owned by the Secretary of the VA and is sold as is. May qualify for Vendee(seller) financing.

392 Coastline Way, St. Johns

Courtesy of DOCTORS LAKE REALTY

Listing courtesy of DOCTORS LAKE REALTY.

Listing courtesy of MARK COLE, PA from DOCTORS LAKE REALTY.

$354,000

3 Beds ⋅ 3 Baths ⋅ 2159225 MLS

There's something different about coming home when your day doesn't have to end at your front door. Step outside and you're surrounded by green space, with room to breathe and the Waterford Lakes amenity center just a short walk away. Spend Florida afternoons by the resort-style pool, cool off at the splash pad, hit the fitness center, or make an evening walk part of your routine. Back home, the outdoor space is a welcome surprise, with a larger fenceable area offering the opportunity for a spacious private yard, plus an added paver patio ready for grilling, dining, or unwinding. Inside, this 3-bedroom, 2.5-bath home offers approximately 1,500 SF with gathering spaces downstairs and bedrooms tucked away upstairs. It's green space outside your door, amenities within a short walk, and room to make your backyard your own. At Waterford Lakes, the amenities don't just surround where you live--they become part of how you live.

699 Coastline Way, St. Augustine

Courtesy of SALT HARBOR REAL ESTATE COMPANY LLC

Listing courtesy of SALT HARBOR REAL ESTATE COMPANY LLC.

Listing courtesy of JARED JONES from SALT HARBOR REAL ESTATE COMPANY LLC.

$268,000

2 Beds ⋅ 3 Baths ⋅ 2146998 MLS

**Motivated Sellers. Seller is open to offering a credit towards buyer's allowable closing costs, prepaids, or other approved expenses with an acceptable offer.** Built in 2022 and impeccably maintained, this like-new 2-bedroom, 2.5-bath townhome offers low-maintenance living in the highly sought-after SilverLeaf community of St. Johns County. Backing to a peaceful preserve for added privacy, this home features an open-concept layout, modern finishes, and a 1-car garage with convenient additional guest parking just steps away. Located within a gated community zoned for top-rated St. Johns County schools, residents enjoy access to resort-style amenities including a pool, fitness center, parks, and walking trails. Low HOA and no CDD fees. Ideally located near shopping, dining, and major roadways, this move-in ready townhome combines comfort, convenience, and the sought-after SilverLeaf lifestyle.

281 Coastline Way, St. Augustine

Courtesy of PALM REALTY GROUP INC

Listing courtesy of PALM REALTY GROUP INC.

Listing courtesy of MOLLY KATSMA from PALM REALTY GROUP INC.

Start Your Search

The data relating to real estate for sale on this website appears in part through the SMARTMLS Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms, and is provided by SMARTMLS through a licensing agreement. Listing information is from various brokers who participate in the SMARTMLS IDX program and not all listings may be visible on the site. The property information being provided on or through the website is for the personal, non-commercial use of consumers and such information may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Some properties which appear for sale on the website may no longer be available because they are for instance, under contract, sold or are no longer being offered for sale. Property information displayed is deemed reliable but is not guaranteed. Copyright 2026 SmartMLS, Inc.