Floral City Homes under $400,000

Floral City Homes under $400,000

Welcome to Floral City, Florida – a hidden gem nestled in the heart of Citrus County. This charming small town is a perfect blend of natural beauty and small-town charm, making it an ideal place to call home. With its lush landscapes, serene lakes, and vibrant community spirit, Floral City offers a tranquil lifestyle surrounded by the stunning scenery of Central Florida.

Floral City is rich in history, boasting picturesque streets lined with historic homes and quaint shops. The community is known for its friendly atmosphere and a strong sense of belonging, where neighbors become friends and everyone feels right at home. The town is also a haven for outdoor enthusiasts, with numerous parks, hiking trails, and nearby lakes for fishing and boating.

For those seeking affordable housing options, Floral City has a delightful selection of homes priced under $400,000. Whether you're a first-time homebuyer, a growing family, or looking to downsize, this area offers a variety of charming properties that cater to diverse needs and lifestyles. From cozy single-family homes to inviting townhouses, you'll find well-maintained residences that provide both comfort and value.

Living in Floral City means enjoying a peaceful pace of life while still being conveniently located near larger cities like Inverness and Ocala. With its excellent schools, local amenities, and a strong sense of community, Floral City is not just a place to live; it's a place to thrive. Come discover your dream home in this enchanting town and embrace the Floral City lifestyle today!

Newest Floral City Homes under $400,000

5617 S Perch Drive, Floral City
$349,000
2 Beds ⋅ 2 Baths ⋅ W7889882 MLS
Charming Waterfront Home on the Canal for the Chain of Lakes & Tsala Apopka Lake with 2 Bedrooms, 2 Bathrooms, Extra Large Family Room with Fireplace & custom built-in Shelving with a large Formal Dining room great for Entertaining with full water views and a Dock for late night Sunsets, Fishing and having your Boat available any time you want to head out on the water!! Open Concept Home, updated with the most GORGEOUS Woodworking throughout the home. Great care & detail was put into this home with a kitchen that is open to the Heart of the Home. Let your Chef's Juices flow as you can converse with all your family & friends with the open layout to Family and Dining room!! Check out the details of all the woodwork in the home including your Kitchen Pantry!! Enjoy your beautiful Bathroom EnSuite attached to your Primary Bedroom and relax the nights sitting on your back porch overlooking the Canal!! With 1/2 Acre of Waterfront Prime Property and walking distance to local parks & restaurants, this home checks all the boxes!! Located at on a cul-de-sac, dead end street, quietness and no traffic is a big part of this Home. Oversized Garage with Workshop shelves and sink, great for the Weekend Enthusiasts/Hobbyist, Extra Parking area for your Boat, Camper, RV and Toys and more with No Deed Restrictions or HOAs to worry about!! This Retreat Style Home has 2 Incredible porches with 365 days of usage for both with views that will take your breath away. As you walk up to this property, you will be in awe of the manicured landscaping, attention to detail, Picturesque draping Oak Trees with a solar lit walkway from the front of the yard to your Amazing Dock!! Sit on the dock and hear nature, nothing but privacy, tranquility & serenity as you have NO backyard neighbors!! Home has NEW ROOF (2018) and NEW AC (2023), and nothing needs to be done but show up with your personal items. Partially furnished, those items can be Negotiable. Enjoy evenings & cooler days sitting by your Stone-front Wood Burning & Gas Fireplace. Enjoy this as your weekend Getaway Home, your Forever home or use as a great Investment Property for AIRBNB, Evolve & VRBO opportunities with Water Access, Huge Dock for a Pontoon, Airboat or Fishing Boat. Huge Driveway gives ample space for parking many vehicles & Toys! Hurry this home will not last. Moments from Downtown and all Great Things Citrus has to Provide!! Schedule your Showing Today! Motivated sellers and great financing options available! Community Boat Ramp right down the street to launch all of your Watercrafts & Boats!! Welcome Home to Perch Dr, where life will be relaxed, peaceful, private, and joyful!!

5617 S Perch Drive, Floral City
4943 E Stage Coach Trail, Floral City
$399,990
4 Beds ⋅ 3 Baths ⋅ TB8554272 MLS
Welcome to peaceful country living in beautiful Floral City, Citrus County. Situated on approximately 2 private, fully fenced and gated acres, this spacious 4-bedroom, 3-full-bath home offers 2,168 square feet of comfortable living space and the privacy, tranquility, and freedom that comes with owning acreage. Each bedroom features its own walk-in closet, providing exceptional storage and convenience. Inside, the inviting living spaces are complemented by a cozy fireplace, creating a warm and comfortable gathering space. The home is also equipped with a 2023 A/C unit, providing added peace of mind. Enjoy the peaceful atmosphere of the Florida countryside without sacrificing easy access. The entire property is completely paved with no dirt roads and features underground utilities with no overhead wires or lines, providing convenient year-round access. This is a rare opportunity to enjoy a relaxed rural lifestyle with plenty of room to spread out, entertain, enjoy the outdoors, and make the property your own. The outdoor amenities and covered parking options truly set this property apart. Enjoy the Florida sunshine from the hard-sided above-ground pool with its own deck, or relax and entertain in the enclosed patio, featuring a shark-coated patio floor for added durability and easy maintenance. For those who need space for vehicles, recreational toys, equipment, or hobbies, this property delivers with a detached 2-car garage, 2-car carport, dedicated pickup-truck carport, and a spacious RV port complete with RV hookup. Additional storage is available with both an inside shed and a separate exterior shed. The fully fenced and gated grounds provide added privacy, security, and peace of mind while giving you the freedom to enjoy the expansive property. Whether you're an RV enthusiast, own multiple vehicles, have recreational equipment, or simply appreciate having abundant covered parking, storage, and workspace, you'll love the flexibility this property provides. If you've been searching for privacy, peace and quiet, usable acreage, paved access, modern conveniences, and the freedom of authentic Florida country living, this unique 2-acre Floral City property is ready to welcome you home!

4943 E Stage Coach Trail, Floral City
7741 E Spanish Trail, Floral City
$244,900
3 Beds ⋅ 2 Baths ⋅ W7890013 MLS
SPACE, FLEXIBILITY, AND A BRAND-NEW ROOF BEFORE CLOSING! Welcome to this one-of-a-kind Floral City property situated on a generous .46-acre lot and offering an incredible amount of room to make your own. Even better, the seller is offering BUYER CONCESSIONS with an acceptable offer AND will have a BRAND-NEW ROOF installed prior to closing, giving the next owner added value and peace of mind from day one. Inside, this incredibly spacious home features 3 bedrooms PLUS 3 additional flex spaces, giving you endless possibilities to customize the layout around your lifestyle. Create home offices, hobby rooms, guest spaces, a playroom, home gym, additional storage, or a combination of them all. With both a large living room and a separate family room, there's plenty of space to entertain, relax, and enjoy multiple gathering areas throughout the home. The kitchen features stainless steel appliances, including a newer refrigerator, with a functional layout ready for everyday living and entertaining. A combination of tile and laminate wood flooring adds warmth, character, and durability throughout the home. The windows were also replaced in 2019, adding another valuable update to the property. Outside, nearly half an acre provides plenty of room to spread out and enjoy the Florida lifestyle. Whether you're looking for additional outdoor living space, room for hobbies, or simply more privacy and breathing room, this property delivers possibilities that are difficult to find in a typical home. With its exceptionally versatile layout, abundance of interior space, nearly half-acre homesite, buyer concessions, and a brand-new roof to be installed before closing, this Floral City property offers tremendous value and flexibility for its next owner. Come see just how much space and potential this unique home has to offer!

7741 E Spanish Trail, Floral City
5675 S Sandalwood Way, Floral City
$190,000
2 Beds ⋅ 2 Baths ⋅ TB8553364 MLS
Welcome to this charming 2-bedroom, 2- bathroom cottage-style home nestled along a peaceful canal, in Floral City, on Withlapopka Island. This home offers a unique opportunity to enjoy the best of Floral City. Step inside to an inviting space filled with gorgeous, natural light, and a cozy fireplace. Outside, your private backyard retreat, awaits with an in-ground pool and spacious yard- perfect for relaxing, entertaining, gardening or enjoying Florida's beautiful weather. Unwind on the screened-in back porch as you enjoy the peaceful beauty of nature. This home features a detached garage, and a shed, offering additional space for vehicles, tools, outdoor equipment and so much more. The home's interior has been freshly painted, creating a bright and inviting atmosphere. Updated in 2021 with new ceiling fans and light fixtures, adding style and functionality throughout the home. The primary bedroom features a convenient vanity and dressing area with abundant cabinetry and convenient location just steps from the bathroom. Per the seller, the water heater and HVAC were replaced in 2021. Whether you're looking for a peaceful full-time residence, weekend getaway, or be tucked away along a peaceful canal, this charming Floral City home is one you won't want to miss!

5675 S Sandalwood Way, Floral City
10890 S Turner Avenue, Floral City
$380,000
3 Beds ⋅ 2 Baths ⋅ TB8547553 MLS
Virtually Staged. YOUR PRIVATE 2.57-ACRE RETREAT AWAITS! Welcome to this beautiful custom-built 3-bedroom, 2-bath home with a 2-car garage, offering 1,529 sq. ft. of living space on an impressive 2.57-acre oversized corner lot. Step inside to a welcoming open floor plan with a desirable split-bedroom layout, providing privacy while keeping the main living areas open and inviting. The combined dining and family room creates a comfortable flow for everyday living and entertaining. The spacious kitchen features charming bay windows that bring in plenty of natural light, while the living area is highlighted by a beautiful brick fireplace—perfect for cozy evenings at home. The primary suite features a walk-in closet and private bath with dual sinks and a spacious walk-in shower, while the second bathroom offers a convenient tub/shower combination. Outside, you'll find just as much to love. Start your mornings with a cup of coffee on the welcoming front porch while enjoying the beautiful view, or unwind on the screened back porch overlooking the peaceful surroundings. The expansive 2.57-acre corner lot provides privacy, breathing room, and plenty of space for outdoor living and entertaining. A circular driveway offers convenient access and plenty of room for arriving and departing guests. The property also features welded-wire fencing with wooden posts. With NO HOA, you'll enjoy greater flexibility for additions such as a barn, extra shed, pool, detached garage, or other improvements, subject to county zoning, permitting, and other applicable requirements. The property is also located outside a FEMA-designated Special Flood Hazard Area according to county records (buyer to verify). MAJOR BUYER BENEFIT — SELLER WILL REPLACE THE ROOF PRIOR TO CLOSING!adding even more value. The home also features a 2023 water heater and 2014 A/C. Whether you're looking for a quiet private retreat or a home with plenty of space to gather and entertain, this property offers the best of both worlds. Come experience the space, privacy, freedom, and possibilities this beautiful Floral City property has to offer!

10890 S Turner Avenue, Floral City
10541 S Drew Bryant Circle, Floral City
$220,000
3 Beds ⋅ 2 Baths ⋅ TB8552962 MLS
Welcome to 10541 S Drew Bryant Circle, a charming Floral City property offering peaceful country living with plenty of opportunity. This inviting home features a comfortable layout with spacious living areas and a practical floor plan designed for everyday living and entertaining. Enjoy the tranquility of a quiet setting while still being conveniently located near local amenities, shopping, dining, parks, and outdoor recreation. Floral City is known for its natural beauty, scenic roads, lakes, and small-town atmosphere. Whether you are looking for a full-time residence, seasonal retreat, or investment opportunity, this property is ready for its next chapter. Schedule your private showing today!

10541 S Drew Bryant Circle, Floral City
7633 S Crescent Loop, Floral City
$299,500
4 Beds ⋅ 2 Baths ⋅ W7889751 MLS
Welcome to your ultimate Duval Island retreat! Tucked away in the sought-after Lake Tsala Apopka community of Floral City, this beautifully renovated 4-bedroom, 2-bathroom home sits on an expansive, fully fenced 0.75-acre lot. Perfect for outdoor enthusiasts, this property offers unmatched space for family, pets, boats, and RVs—all with a public boat ramp just across the street. Inside, a versatile floor plan boasts two distinct living areas, a dedicated dining room, and modern 2020 updates that blend style with comfort. Practical upgrades include a durable metal roof (2020) and a convenient U-shaped driveway with both attached and detached carports. Sip morning coffee on your charming front porch, or unwind on the covered back lanai overlooking your private backyard oasis. Enjoy the perks of the ultimate Florida lake lifestyle without the waterfront maintenance. Schedule your private tour today!

7633 S Crescent Loop, Floral City
7536 S Bobcat Point, Floral City
$282,000
3 Beds ⋅ 2 Baths ⋅ OM732789 MLS
This charming 2-story waterfront home is full of character, reflecting a unique and inviting personality throughout its design and features. Situated on a generous .82-acre lot in a serene area adorned with classic Old Florida landscaping and bamboo, it offers 3 bedrooms and 2 bathrooms perfect for peaceful waterfront living. Highlights include a brand new wooden deck and dock ideal for outdoor relaxation, an oversized screened porch, and a spacious detached garage with an additional carport. Inside, a captivating spiral staircase adds distinctive charm, leading up to an upstairs screened balcony with picturesque water views. Recent upgrades include a roof replacement in 2025 and a new drain field installed in 2026, ensuring worry-free living. With its peaceful surroundings, ample space, and unique character, this property also presents an excellent opportunity as an income-producing Airbnb.Take advantage of this rare opportunity to own a distinctive waterfront property in a peaceful setting.

7536 S Bobcat Point, Floral City
10440 S Clint Loop, Floral City
$204,999
2 Beds ⋅ 2 Baths ⋅ G5118212 MLS
This might be your new home, check out the virtual tour. Welcome to 10440 S Clint Loop in Tarawood, a gated community offering a convenient lifestyle and a wide range of amenities. This well-maintained 2-bedroom, 2-bath home features a spacious enclosed patio with its own split A/C system, creating additional comfortable living space year-round. Enjoy the side paver patio with a crank-operated sunshade, perfect area for grilling and relaxing outdoors, plus a screened garage door for added ventilation and versatility. The home is located directly across from the clubhouse, providing easy access to community amenities and convenient additional parking for guests just a short walk away. The clubhouse features a pool, hot tub, shuffleboard, horseshoes, library, fitness center, card room with pool table, kitchen, and a large community room. Residents can also enjoy regularly scheduled community activities and social gatherings. Roof was re done in 5/2019 Mini split was put in in 2014, patio was closed in 2002 this added to the cooled sq footage. HOA fees include internet, cable, and road maintenance. With its desirable location, added indoor and outdoor living spaces, and convenient access to the community amenities, this Floral City home is ready for its next owner.

10440 S Clint Loop, Floral City
10526 S Drew Bryant Circle, Floral City
$214,900
3 Beds ⋅ 2 Baths ⋅ OM732797 MLS
Set amid the quiet surroundings of Floral City, this beautifully landscaped 2023-built home in the gated Tarawood community offers a blend of modern convenience and relaxed Florida living. Featuring 3 spacious bedrooms, 2 full baths, and an attached 2-car garage, this bright and inviting residence is completely move-in ready. Despite its peaceful setting, Tampa is within an easy commute, making it possible to enjoy a quieter lifestyle while maintaining convenient access to the area's employment, entertainment, and amenities. Residents of Tarawood enjoy a secure gated community with a clubhouse, pool, spa, and a variety of recreational amenities. The low HOA fee also includes high-speed internet, cable, and garbage service, helping simplify monthly household expenses. With newer construction, community amenities, and a peaceful setting, this home offers a comfortable combination of convenience and low-maintenance living. Contact us today to schedule your private tour.

10526 S Drew Bryant Circle, Floral City
8475 S Linden Point, Floral City
$169,900
3 Beds ⋅ 2 Baths ⋅ G5117615 MLS
The location says it all! Located in Floral City but close to Brooksville, Inverness, Bushnell. Backs up to large acreage for privacy and beautiful wildlife. The home home is just a few blocks away from the famous 46 mile Withlacoochee State Trail, which travels through the scenic views of the small towns in three counties, from Dade City to Citrus Springs. Its paved surface is fantastic for jogging, bike riding, or just a leisurely stroll. Lots of wildlife to be seen along the way. Also the home is only 5 minutes away is Floral Park, which is the home of the famous annual Floral City Strawberry Festival. The home is in move in condition with newer appliances, new roof in 2017, and AC a few years ago. There is nothing to be done just move on in. Furniture negotiable so a perfect second or starter home. If you are a history buff, you can drive through the beautiful Avenue of the Oaks and visit the Floral City Heritage Museum to see how this area began and still thrives. Or head into Inverness and see that historic area with great restaurants and shops. The Withlacoochee State Forest and chain of lakes is within minutes. The back yard is partially fenced with 3 storage sheds and plenty of parking for RV and Boat. The new 12x24 shed is complete with a 100 amp service to use as a garage or workshop. A second 16x10 shed can hold everything else and the small one lawn equipment.

8475 S Linden Point, Floral City
12261 S Elm Point, Floral City
$369,500
3 Beds ⋅ 2 Baths ⋅ W7889412 MLS
One or more photo(s) was virtually staged. Welcome to this exceptional 3-bedroom, 2-bath pool home is beautifully nestled on a picturesque 1-acre lot with graceful, distinctive brick-accented exterior. A charming, extended front porch welcomes you into an inviting open floor plan designed for effortless comfort and style. Perfect for entertaining, the spacious living and dining room combo features elegant French doors that open directly to your private backyard oasis. At the heart of the home is a beautifully remodeled eat-in kitchen, fully equipped with soft-close cabinetry, sleek granite countertops, a classic tile backsplash, a built-in desk, and modern appliances—including a cooktop with range hood, double ovens, and a brand-new refrigerator. The primary suite boasts a generous walk-in closet and a private ensuite bath featuring a classic pedestal sink. Two additional well-sized bedrooms offer ample space and share a bright second full bathroom. Step outside to discover a true outdoor paradise. Perfect for those hot summer days, the sparkling Diamond Brite pool is surrounded by a newer pool safety fence and complemented by an extended paver patio ideal for grilling. Relax in the separate, fully screened lanai, or gather around the dedicated fire pit area. The sprawling, beautifully landscaped grounds also feature an additional water-equipped patio, a fenced garden area with its own water supply, and a handy storage shed complete with electricity. Enjoy ultimate peace of mind with major mechanical upgrades, including a new roof (2024), a brand-new A/C system (June 2026), fresh interior and exterior paint, a newer water heater, and newer energy-efficient windows throughout. The property is secured by a blend of chain-link and newer vinyl fencing, with the seller stating the actual lot line extends well past the current fenced perimeter. The 2-car garage includes shelving for extra storage. Whether entertaining in the formal areas, relaxing by the pool, or enjoying the peace of the wooded acreage, this property offers an unparalleled lifestyle for any buyer. Outdoor enthusiasts will appreciate being just 20 minutes from the public boat ramp to Henderson Lake and the Tsala Apopka Chain of Lakes—perfect for boating, fishing, and wildlife watching. Don’t miss this opportunity to own a peaceful retreat that’s close to everything! CONVENIENTLY & CENTRALLY located just 12mi from both Inverness & Brooksville. NO HOA Zoned RUR

12261 S Elm Point, Floral City
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