Summerfield Homes under $400,000

Summerfield Homes under $400,000

Welcome to Summerfield, Florida, a hidden gem nestled in the heart of Marion County. Known for its warm climate, friendly community, and lush landscapes, Summerfield offers a perfect blend of tranquility and convenience. Just a short drive from bustling Ocala and the scenic beauty of The Villages, Summerfield is an ideal location for those seeking a serene lifestyle without sacrificing accessibility to urban amenities.

Whether you’re a first-time homebuyer, looking to downsize, or seeking a vacation retreat, Summerfield has a diverse selection of homes available under $400,000. This vibrant community features charming single-family homes, spacious townhouses, and cozy villas, all designed to cater to various lifestyles and budgets. With the real estate market thriving, you can find properties that boast modern amenities, inviting outdoor spaces, and proximity to local parks, shopping centers, and recreational facilities.

Residents of Summerfield enjoy a plethora of outdoor activities, from golfing at renowned courses to exploring the nearby Ocala National Forest, perfect for hiking, fishing, and horseback riding. The community also hosts various events and activities throughout the year, fostering a strong sense of camaraderie among neighbors.

Investing in a home in Summerfield not only secures a beautiful living space but also opens the door to a vibrant lifestyle in one of Florida's most welcoming communities. Don’t miss the opportunity to find your dream home in this idyllic locale—where comfort meets charm at an affordable price!

Newest Summerfield Homes under $400,000

10957 Se 170th Lane Road, Summerfield
$289,900
3 Beds ⋅ 2 Baths ⋅ Stonecrest SubDv. ⋅ 34491 Zip Code
Welcome home to Stonecrest, a sought-after 55+ gated golf cart community known for its resort-style amenities, multiple sparkling pools, and an unbeatable location just 2 miles from The Villages. This lovely extended Lilly model, offers 3 bedrooms, 2 bathrooms, and an enclosed lanai, all thoughtfully designed for comfort, privacy, and entertaining. . Inside, you’ll love the open-concept layout that welcomes you in with views of the living room, dining area, and kitchen—perfect for gatherings or everyday living. The kitchen is both stylish and functional with granite countertops, a garbage disposal, and luxury pendant lighting. Most of the main living areas feature luxury laminate flooring, while the bedrooms are carpeted, and the bathrooms and lanai boast ceramic tile. Elegant arched hallways add character and charm throughout the home. The primary suite is tucked away for privacy and features a spacious walk-in closet and a beautiful Roman shower in the en-suite bath. On the opposite side of the home, you’ll find two guest bedrooms with a full guest bathroom conveniently located between them—ideal for visitors or a home office setup. This split-bedroom floor plan offers both flexibility and privacy. Enjoy Florida living with plenty of outdoor space and no kissing lanai, along with lovely curb appeal and picturesque palm-lined streets throughout the neighborhood. The garage is accessible from both the interior and exterior of the home. Stonecrest is ideally located near shopping, grocery stores, restaurants, banks, gas stations, medical facilities, and entertainment—many accessible by golf cart. And when you want even more fun, you’re just minutes away by car from The Squares, offering nightly live music, dining, and shopping This home truly offers the best of comfort, convenience, and community.

10957 Se 170th Lane Road, Summerfield
15715 Se 89th Court, Summerfield
$289,500
3 Beds ⋅ 2 Baths ⋅ Orange Blossom Hills Un 08 SubDv. ⋅ 34491 Zip Code
MOVE-IN READY & FULLY REMODELED IN ORANGE BLOSSOM HILLS! Welcome to this beautifully remodeled 3-bedroom, 2-bathroom home in the desirable Orange Blossom Hillscommunity, conveniently located near The Villages, Ocala, shopping, dining, schools, medical facilities, and everyday conveniences. Situated on a spacious 0.22-acre lot with NO HOA and NO DEED RESTRICTIONS, this property offers the flexibility and freedom you've been looking for. From the moment you arrive, the home's fresh exterior, manicured lawn, and inviting curb appeal set the tone for what awaits inside. The home has been thoughtfully updated with new interior and exterior paint, new luxury vinyl plank flooring, updated kitchen finishes, remodeled bathrooms, and a refreshed driveway, creating a clean, modern look that is truly move-in ready. Inside, the 1,709± square-foot home features a bright and spacious open-concept floor plan with vaulted ceilings, abundant natural light, and durable LVP flooring throughout the main living areas. The heart of the home is the beautifully updated kitchen, featuring white shaker-style cabinetry with soft-close hardware, modern countertops, stainless-steel appliances, a stylish tile backsplash, and a large breakfast bar overlooking the living and dining areas—perfect for everyday living or entertaining. The spacious primary suite offers a comfortable retreat with a tray ceiling, walk-in closet, and remodeled en-suite bathroom featuring shaker cabinetry, updated countertops, modern fixtures, and a large glass-enclosed walk-in shower with contemporary tilework. The two additional bedrooms provide generous space for family, guests, a home office, or hobbies and share a beautifully updated guest bathroom. An additional bonus Florida room provides even more living space and creates the perfect area for a game room, home office, sitting area, or entertaining space. Step outside and enjoy the large covered patio and spacious backyard, offering plenty of room for outdoor gatherings, pets, gardening, or simply relaxing and enjoying the Florida lifestyle. With its extensive updates, open layout, spacious lot, flexible outdoor space, and convenient location with no HOA or deed restrictions, this home checks all the boxes. Whether you're looking for a primary residence, investment property, or a home close to everything Central Florida has to offer, this one is ready for its next owner.Don't miss your opportunity to make this beautifully remodeled Orange Blossom Hills home yours—schedule your private showing today!

15715 Se 89th Court, Summerfield
3745 Se 140th Lane, Summerfield
$222,900
3 Beds ⋅ 2 Baths ⋅ Belleview Heights Estate SubDv. ⋅ 34491 Zip Code
Under Construction. Brand New 3/2 home with 1 car garage conveniently located in growing area of Summerfield. Easy access to I75, Ocala, Belleview and The Villages. Enjoy the open concept floor plan with ceramic tile flooring throughout. Kitchen & baths have granite counter tops and upgraded cabinets. Stainless steel appliances including Range, Refrigerator, Dishwasher and Microwave. Inside Laundry Room. Remote garage door opener. PHOTOS ARE OF A DESTINY MODEL THAT WAS PREVIOUSLY BUILT AND NOT OF THE ACTUAL LISTING.

3745 Se 140th Lane, Summerfield
3711 Se 140th Lane, Summerfield
$222,900
3 Beds ⋅ 2 Baths ⋅ Belleview Heights Estate SubDv. ⋅ 34491 Zip Code
Under Construction. Brand New 3/2 home with 1 car garage conveniently located in growing area of Summerfield. Easy access to I75, Ocala, Belleview and The Villages. Enjoy the open concept floor plan with ceramic tile flooring throughout. Kitchen & baths have granite counter tops and upgraded cabinets. Stainless steel appliances including Range, Refrigerator, Dishwasher and Microwave. Inside Laundry Room. Remote garage door opener. PHOTOS ARE OF A DESTINY MODEL THAT WAS PREVIOUSLY BUILT AND NOT OF THE ACTUAL LISTING.

3711 Se 140th Lane, Summerfield
8516 Se 137th Loop, Summerfield
$239,000
2 Beds ⋅ 2 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code
This spacious 2-bedroom, 2-bathroom Chestnut model sits on a corner lot along a quiet loop. Enjoy morning coffee on the 22-foot front porch or unwind in the private enclosed lanai, which features vinyl windows, vertical shades, and indoor/outdoor carpeting. The open, split-bedroom floor plan includes professionally painted kitchen cabinetry, quartz countertops, a large breakfast-bar island with storage, stainless steel appliances installed in 2021, ambient lighting, and recent paint updates. Vaulted ceilings enhance the living room, dining area, and kitchen, while ceiling fans provide comfort throughout. Porcelain tile runs through the main living areas, and new water-resistant laminate flooring was installed in the bedrooms and both walk-in closets in 2024. The interior laundry area includes upper cabinets for added storage. The two-car garage offers sliding privacy screens, a utility sink, keyless entry, a side service door, and a workbench. Additional upgrades include replacement windows (2018), an HVAC system with humidistat (2012), architectural shingles (2013), and a water heater (2020). Located in the tree-canopied Del Webb Spruce Creek Golf & Country Club, this gated 55+ community offers outstanding amenities, including four 9-hole golf courses, three pools, pickleball and tennis courts, volleyball, shuffleboard, bocce ball, basketball courts, horseshoes, a softball field, Liberty Grille Restaurant, and more than 70 clubs. Conveniently located north of The Villages and south of Ocala, the home is close to fine dining, shopping, and entertainment. With an acceptable offer, the seller will provide a one-year Broward Factory Home Warranty.

8516 Se 137th Loop, Summerfield
13660 Se 90th Terrace, Summerfield
$394,300
2 Beds ⋅ 2 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code
Updates and upgrades galore! This pristine Biscayne model, one of only a few built, welcomes you with a charming covered front porch, new exterior lighting, and all-new landscaping. Step through the beveled storm door with sidelights into a home filled with style and comfort. The interior and exterior have been freshly repainted, the primary bathroom has been remodeled, and the guest bathroom has been updated. The kitchen and laundry room feature painted cabinets, new hardware, a new laundry sink, new tile flooring, and more. Stainless steel appliances were added within the last couple of years, all can lights have been upgraded to LED, and every ceiling fixture is brand new. Additional improvements include all-new windows with beautiful custom blinds, a 2023 water heater, two replaced exterior doors, and a driveway, sidewalks, and front porch that were painted in 2023 and recently resealed. Roof was replaced in 2013 and the HVAC was replaced in 2015. Enjoy peaceful living on a quiet street with inviting outdoor spaces in both the front and back. This home is truly a must-see. Meticulously maintained and move-in ready, it also includes a one-year Broward Factory Service home warranty with an acceptable offer. The golf cart and select furnishings are available for purchase separately. Located in the tree-canopied Del Webb Spruce Creek Golf & Country Club, this gated 55+ community offers outstanding amenities, four 9-hole golf courses, 3 pools, pickleball and tennis courts, volleyball, shuffleboard, bocce ball, basketball courts, horseshoes, softball field, Liberty Grille Restaurant and more than 70 clubs. Conveniently situated north of The Villages and south of Ocala, it is close to medical, fine dining, shopping, and entertainment.

13660 Se 90th Terrace, Summerfield
3492 SE Se 137 Th Lane, Summerfield
$269,900
3 Beds ⋅ 2 Baths ⋅ Belleview Heights Estate SubDv. ⋅ 34491 Zip Code
Virtually Staged. Under Construction. CONCESSIONS AVAILABE WITH SELLER'S PREFERRED LENDER.Farmhouse-inspired details give this new construction home a warm and inviting first impression. Inside, the open great room flows into the dining area and kitchen, where Calacatta Gold countertops add an elegant touch. The primary suite features a beautifully designed bath with dual sinks and a walk-in closet. A separate laundry room, one-car garage, and covered rear porch complete the layout. Schedule your showing today! Photos are renderings for illustration purposes; actual finishes and features may vary.

3492 SE Se 137 Th Lane, Summerfield
8829 Se 132nd Loop, Summerfield
$345,000
2 Beds ⋅ 2 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code
Discover this charming two-bedroom, two-bath single-family home with a DEN, overlooking the fifth hole of the Memorial Golf Course in Del Webb Spruce Creek Golf & Country Club, a vibrant 55+ community in Summerfield. Peaceful golf-course views and thoughtful upgrades enhance the home’s style and functionality. Light kitchen and bathroom cabinetry, granite countertops, and a beveled-glass entry door with a sidelight create a bright, updated look. The seller has replaced all lighting and bathroom fixtures, hinges, door handles, and cabinet hardware. Crown molding extends throughout the home, and diagonally laid tile with marble thresholds continues into the primary closet. The screened lanai features lower windows and a beautifully tiled floor, making it ideal for outdoor living. Additional conveniences include a garage utility sink, Honeywell filtration system, and updated air handler. Major improvements include a new roof in 2021, HVAC system and water heater in 2017, and precautionary whole-house re-piping in 2016. Move-in ready, this home offers comfortable living in a highly desirable community. Set beneath a canopy of mature trees, gated Del Webb Spruce Creek Golf & Country Club offers exceptional amenities, including four nine-hole golf courses, three pools, pickleball and tennis courts, volleyball, shuffleboard, bocce ball, basketball, horseshoes, a softball field, the Liberty Grille Restaurant, and more than 70 clubs. Conveniently located between The Villages and Ocala, the community is close to dining, shopping, and entertainment.

8829 Se 132nd Loop, Summerfield
17198 Se 99th Avenue, Summerfield
$179,000
3 Beds ⋅ 2 Baths ⋅ Mobile Home Mdws Un 02 SubDv. ⋅ 34491 Zip Code
Enjoy the space, convenience, and location you’ve been looking for—just minutes from The Villages, without the added expense of living in The Villages! This spacious 3-bedroom, 2-bath home sits on nearly an acre of land, offering plenty of room both inside and out. Step inside and you’ll immediately appreciate just how much living space this home has to offer. The split-bedroom floor plan provides privacy, while the open and inviting layout features a formal living room, formal dining room, spacious great room, and an eat-in breakfast nook. Whether you love entertaining family and friends or simply want room to spread out and relax, this home delivers! At the heart of the home is the large chef’s kitchen, offering plenty of space for cooking, gathering, and entertaining. Updated LVP flooring throughout gives the interior a fresh, cohesive look, while the newer roof, installed in 2020, adds peace of mind. The spacious primary suite features a walk-in closet and private en-suite bathroom complete with dual sinks and a walk-in shower. A large indoor laundry room provides even more convenience and storage. Outside, the nearly one-acre property gives you room to enjoy the Florida lifestyle and make the space your own. There is also a storage shed plus a covered boat/RV-style carport or shelter, perfect for storing your recreational toys, equipment, or additional vehicles. Best of all, you’re just minutes from The Villages, giving you convenient access to an incredible variety of shopping, dining, medical facilities, entertainment, and everyday conveniences—while enjoying the space and freedom of your own property. Big home, big lot, and a fantastic location—come see just how much this property has to offer!

17198 Se 99th Avenue, Summerfield
17965 Se 102nd Terrace, Summerfield
$245,000
2 Beds ⋅ 2 Baths ⋅ Spruce Creek South 04 SubDv. ⋅ 34491 Zip Code
Turn-key, beautifully remodeled, and just steps from the golf course! Located within a private, gated 55+ golf community in Summerfield, this updated 2-bedroom, 2-bath home offers an affordable opportunity to enjoy the Florida lifestyle with many of the major improvements already completed. Step inside to an open and spacious living area complemented by brand-new flooring throughout, fresh interior paint, contemporary lighting, and modern finishes. The updated kitchen and bathrooms feature granite countertops, modern cabinetry, and upgraded fixtures, creating a clean, refreshed feel throughout the home. One of the highlights is the large, fully air-conditioned sunroom, providing additional space to relax, entertain, or enjoy year-round. Multiple outdoor areas offer even more opportunities to enjoy Florida's sunshine and surroundings. Major improvements include a brand-new roof and a newly sealed epoxy driveway completed in July 2026, adding to the home's move-in-ready appeal. The property is also being offered with brand-new furniture, fixtures, and fittings included, making this an especially convenient option for buyers looking for a seasonal residence, snowbird getaway, or full-time Florida home. The home is located just steps from the scenic Spruce Creek Golf Course, while residents can also enjoy community amenities including golf, a clubhouse, swimming pool, recreational activities, and more, all centered around an active 55+ lifestyle. Conveniently located near shopping, dining, medical facilities, and everyday necessities, with easy access to The Villages, Ocala, and Belleview. Buyers are encouraged to verify all property and community information, included furnishings, renovations, measurements, features, and improvements and to complete any inspections and due diligence they deem necessary. All information is deemed reliable but is not guaranteed.

17965 Se 102nd Terrace, Summerfield
13158 Se 93rd Terrace Road, Summerfield
$279,450
2 Beds ⋅ 2 Baths ⋅ Spruce Creek Gc SubDv. ⋅ 34491 Zip Code
Welcome to the lifestyle you’ve imagined in the heart of Summerfield, Florida. This beautifully appointed 2-bedroom, 2-bathroom home plus den offers 1,678 sq. ft. of inviting, single-story living. Large windows and a sliding glass door fill the living room with natural light, while crown molding and decorative valances create an elegant setting for relaxing or entertaining. Hardwood-style flooring extends through the living areas and bedrooms, complemented by easy-care tile. The open kitchen situated in the front of the house is bright and charming and formal dining area features rich wood cabinetry, granite countertops, stainless steel appliances, and a charming chandelier. At 230 sq. ft., the spacious primary suite is a private retreat with an en-suite bathroom, dual-sink vanity, and walk-in shower. A second full bathroom includes a tub-and-shower combination, and each bedroom offers a ceiling fan and extra added closet space. This is the Coral Gables model and is highly desirable and rarely available. The roof was re-shingled in 2023, HVAC in 2013. More than a home, this is your gateway to the vibrant Florida lifestyle.

13158 Se 93rd Terrace Road, Summerfield
17552 Se 96th Court, Summerfield
$259,900
2 Beds ⋅ 2 Baths ⋅ Spruce Crk South 11 SubDv. ⋅ 34491 Zip Code
Virtually Staged. Welcome home to paradise! This pristine, highly sought-after "The Palm" floor plan model is located in the premier gated 55+ community of Spruce Creek South in Summerfield, FL. Meticulously maintained and move-in ready, this immaculate home features 2 bedrooms, 2 bathrooms, a 2-car garage, and top-tier upgrades throughout. "Reflecting the extraordinary pride of ownership, the entire exterior of this home has just been meticulously hand-washed." by the owner! The Interior: A heavy-duty front door with center and side glass panels floods the entryway with natural light. Step inside to soaring vaulted cathedral ceilings, elegant plantation shutters throughout the home, and a seamless mix of luxury wood laminate, imported ceramic, and newer carpets. The completely renovated kitchen is a chef's dream, showcasing granite countertops, custom crown-molded newer cabinetry, newer stainless-steel appliances, a natural skylight, a ceramic tile backsplash, a top-of-the-line Kohler magnetic faucet, and a custom-built lighted pantry with a coat closet. Spa-Like Bathrooms with imported features: • Primary En-Suite: Features tile flooring from Spain, a spectacular floor-to-ceiling stacked stone accent wall and sidewall tiles from Italy, a dark wood double vanity with an engineered quartz top, a horizontal vanity mirror, and a newer toilet. • Guest Bathroom: Appointed with designer wall tiles from Brazil, floor tiles from Portugal, and a new single vanity with an engineered quartz top, undermount sink, and Glacier Bay toilet. Outdoor & Indoor Living: Relax in the massive 24’ x 12’ enclosed lanai, accessible from both the dining room and primary suite, or grill on the rear concrete open patio, and newer downspouts. Major System Updates: • Roof & HVAC: Newer 2022 Owens Corning Roof & Newer 2020 HVAC System • Plumbing & Electric: Newer 2021 Hot Water Heater & newer 2021 metal switch covers/outlets throughout the house. • Garage & Appliances: Newer 2026 Electric Garage Door Opener (with manual privacy screens) & 2025 Dryer with a good working newer washer. • Fixtures: 2024 modern electrical fixtures & 6 newer ceiling fans (including a Hunter fan in the primary suite) The Location & Lifestyle: Located right off the US Hwy 441/27 corridor, you are just 2 miles from Spanish Springs Town Square and 7 miles from Lake Sumter Landing in The Villages—enjoy daily free live entertainment with a different band every night! Residents also gain access to a spectacular 16,000+ sq. ft. clubhouse with a fitness center, billiards, and a ballroom. Explore the photos and the Matterport 3D virtual tour. Contact me or your agent today to schedule your private tour!

17552 Se 96th Court, Summerfield
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