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! Known for its picturesque landscapes and charming small-town feel, Floral City offers a tranquil lifestyle that’s perfect for families, retirees, and everyone in between. With its lush greenery, serene lakes, and vibrant community spirit, it’s no wonder that many are drawn to this delightful locale.

Floral City boasts a rich history, with roots dating back to the 19th century. The town is adorned with quaint homes and historic buildings, creating a unique blend of old-world charm and modern conveniences. Residents enjoy a slower pace of life while still having access to essential amenities, including local shops, dining options, and recreational activities. The nearby Withlacoochee State Forest provides ample opportunity for outdoor adventures, from hiking and biking to fishing and birdwatching.

For those seeking affordable housing options, Floral City shines brightly. With homes under $400,000, potential buyers can find a variety of properties that cater to different lifestyles and preferences. Whether you’re looking for a cozy cottage, a spacious family home, or a charming fixer-upper, Floral City has something to offer for everyone. The competitive market ensures that you can find a place to call home without breaking the bank.

With its friendly community, beautiful surroundings, and affordable real estate, Floral City is more than just a place to live; it’s a place to thrive. Come explore the opportunities that await you in this enchanting Florida town!

Newest Floral City Homes under $400,000

12079 S Magpie Point, Floral City
$375,000
4 Beds ⋅ 2 Baths ⋅ Whispering Oaks SubDv. ⋅ 34436 Zip Code
2.31 ACRES, FULLY PAID-OFF SOLAR WITH GENERAC BACKUP BATTERY SYSTEM, SOLAR-POWERED GATED ENTRANCE, HUGE WORKSHOP & OVERSIZED SCREENED POOL ENCLOSURE! Looking for privacy, space, and features that truly set a property apart? Welcome to this beautiful Floral City retreat, where 2.31 acres, a private swimming pool, a spacious detached workshop, and a fully paid-off ground-mounted solar system come together to offer an incredible Florida lifestyle! From the moment you arrive, the solar-powered gated entrance welcomes you to a property designed for enjoying the space around you. Operating independently from the power grid, the gated entrance adds convenience to your arrival. One of the standout features is the fully paid-off solar panel system, complete with a Generac backup battery system that provides backup power during grid outages, offering added peace of mind without an outstanding solar loan balance! For those who need room for projects, equipment, hobbies, or storage, the large detached metal workshop is a major highlight! Complete with high ceilings, a roll-up garage door, concrete flooring, overhead lighting, workbenches, and an elevated storage loft, this impressive building offers versatility that's difficult to find in an everyday residential property. And the outdoor living space is just as exciting! Enjoy your own private swimming pool surrounded by an oversized screened enclosure, offering plenty of space for poolside lounging, entertaining, and enjoying Florida's beautiful weather. The adjoining covered wooden deck creates another inviting gathering space, while the surrounding acreage features mature trees and open grassy areas. Built in 2022, this 4-bedroom, 2-bath manufactured home offers a bright, open layout with luxury vinyl flooring, recessed lighting, and welcoming living spaces. The spacious kitchen offers ample cabinetry, stainless steel appliances, generous counter space, and a large center island with a double-basin sink. Sliding glass doors from the dining area provide convenient access to the deck and pool. The primary suite offers a walk-in closet and private bathroom with dual sinks and a walk-in shower. Three additional bedrooms provide flexibility for guests, hobbies, or a home office. A dedicated laundry room adds everyday convenience. With a 2022 roof, 2022 water heater, fully paid-off solar system with Generac backup battery, 2.31 acres, a solar-powered gated entrance, oversized screened pool enclosure, and an impressive detached workshop, this property offers a combination of features that makes it stand out. Conveniently located near the Withlacoochee State Trail and opportunities for fishing, kayaking, and outdoor recreation, you'll enjoy the peaceful surroundings of Floral City with plenty of ways to explore the outdoors. More land. More possibilities. More reasons to love where you live. Schedule your private showing and discover everything this property has to offer!

12079 S Magpie Point, Floral City
5211 S Castlelake Avenue, Floral City
$239,000
3 Beds ⋅ 2 Baths ⋅ Castle Lake Park Unrec Sub SubDv. ⋅ 34436 Zip Code
TALK ABOUT A WONDERFUL LOCATION AT CASTLELAKE PARK IN CLOSE PROXIMITY TO BEAUTIFUL DOWNTOWN INVERNESS. HERE YOU OWN YOUR OWN LAND AND THERE IS NO HOA. ALSO SO CLOSE TO FLORAL CITY DOWNTOWN AND surrounding lakes, shopping and restaurants. Also near the biking and walking trail. THIS VERY COZY HOME FEATURES 3 BEDROOMS AND 2 FULL BATHS ON A LARGE LOT. Kitchen is updated and very spacious with large island that has a newer sink and faucet and all newer appliances. THIS IS A COOK'S DREAM KITCHEN. Home has deck/porch in front and large screened porch in back which would be a great place to relax and entertain. Large carport and circular drive for easy "in and out." Decorative picket fence in front of home makes it even more cozy and attractive. Home also has two spacious sheds, one with electricity. Lots of room for storage. Park across from house for friendly neighborhood get-togethers. THIS HOME HAS IT ALL.

5211 S Castlelake Avenue, Floral City
10721 S Drew Bryant Circle, Floral City
$214,900
2 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
SUNLIT OPEN CONCEPT LIVING! Step inside to experience an immediate sense of warmth, space, and light-filled comfort. Featuring an airy open layout accented by soaring high ceilings in the main living area, this bright 2-bedroom, 2-bathroom home invites natural sunlight into every corner. The seamless flow from room to room creates a welcoming environment designed for effortless everyday living and easy entertaining. Off the back of the residence, you will find a truly standout feature: a peaceful rear porch paired with a functional workroom. Whether you are seeking a dedicated setup for hobbies and crafts, extra organized storage, or simply a quiet outdoor spot to unwind, this versatile addition delivers. Complete with a generous 2-car attached garage, this home seamlessly combines practical convenience with everyday comfort. Nestled within a secure, gated 55+ community, residents enjoy access to a vibrant clubhouse complete with a pool, spa, library, games room and workout room. Life here is made remarkably simple with an exceptionally low HOA fee that packs incredible value, covering your high-speed internet, cable TV, and garbage collection. Opportunities combining this level of natural warmth, low-maintenance ease, and comprehensive utility coverage are rare... contact our team today to schedule your private showing and tour this property in person!

10721 S Drew Bryant Circle, Floral City
8630 E Beacon Court, Floral City
$94,000
3 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
Investor special in Floral City! This 3-bedroom, 2-bath mobile home sits on approximately half an acre at the end of a dead-end road, offering plenty of space and privacy. The property also features a carport and is ready for someone to bring their vision and make it their own. Great opportunity for an investor or buyer looking for a project with potential. Cash only.

8630 E Beacon Court, Floral City
6695 S Dove Drive, Floral City
$159,900
2 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
Looking for the perfect spot to escape to or spend your winters? This charming 2-bedroom, 2-bath waterfront home fits the bill. Nestled in a peaceful area with water access to the Withlacoochee River, it offers a chain-link fenced yard, boat dock, covered space for your airboat, and a powered, air-conditioned shed. You’ll also find two double carports. Inside, enjoy new laminate plank floors, a spacious living area, and fully furnished comfort. The ideal weekend getaway!

6695 S Dove Drive, Floral City
8643 Marvin Street, Floral City
$299,000
3 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
Use "As-Is" contract, Use ShowingTime Lockbox on garage . VirtuallyStaged.

8643 Marvin Street, Floral City
5515 S Bluegill Way, Floral City
$224,900
4 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
BEAUTIFUL PROPERTY NOW FHA APPRAISED AND INSPECTED! Put the kids in the boat and the boat in the water! Boat ramp less than 500 feet from your front door! A true split-plan, 4-bedroom family home in Floral City offers incredibly easy access to the Tsala Apopka Chain of Lakes without the waterfront price tag. Move in with total confidence thanks to major new updates, including a brand-new roof, new electrical panel, fresh interior and exterior paint, and a recent property survey already in hand. At the heart of the home, the beautiful, newly updated kitchen shines with newer appliances, perfectly paired with a freshly updated main bath featuring a new vanity, lighting, and shower door. The smart four-bedroom split floorplan places the primary suite—complete with its own new mini-split AC for cool nights—at the opposite end of the house for maximum privacy. Outside, enjoy complete autonomy with NO HOA fees on a gorgeous, fully fenced double lot with a recently surveyed fence line. The secure gated backyard features abundant parking for your trucks, boat trailers, and outdoor toys. Located in historic Floral City just 90 minutes from the Tampa and Orlando international airports, this fishing-friendly home has been meticulously cared for and won't last long. Call today to schedule your showing before it's gone!

5515 S Bluegill Way, Floral City
7030 E Oak Forest Street, Floral City
$295,000
3 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
Welcome to the Forest, not Sherwood, it's Oak Forest. No HOA in this forest Oak Forest is located half way between Brooksville and Inverness and about 15 minutes from I 75. Built in 1980 as a model home for the sub division. Kitchen has been rejuvenated. It has 2 screened porches on the backside of property facing south that have recently been rescreened. The land next to the house has been cleared and maintained for your enjoyment. The roof was replaced in 2023. The carpet has been replaced in May 2026. It has a wood burning fireplace and sliding glass doors in Living RM, Master Bedroom and guest bedroom. Back yard is partially fenced, front yard has been freshly landscaped. Dishwasher was replaced ib 2026 There is a security camera at the front entry which will remain with the property. Zero turn in the garage is staying with property as well

7030 E Oak Forest Street, Floral City
7610 E Spanish Trail, Floral City
$259,000
2 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
Opportunity awaits on five beautiful acres of cleared, flat land with a home nestled beneath mature Spanish oaks. This property offers a peaceful setting with a natural canopy of stunning oak trees that provide shade, character, and a true Old Florida feel. With plenty of open space and scenic surroundings, the acreage offers an ideal setting for those seeking privacy and room to enjoy the outdoors, spread out, or create a custom homestead, while still being a manageable size for those searching for land with a home in a quiet setting. The existing home is currently mid renovation and will require a buyer with vision to complete the project. Interior walls have been removed and electrical components have been taken out, creating a blank slate for redesign and customization. Several improvements have already been started, including flooring, updated plumbing, new bathroom fixtures, and new kitchen cabinets. In addition to the home, the property features a 14 x 30 aluminum shed that offers excellent storage for equipment, tools, or recreational vehicles. This property is best suited for investors, contractors, or buyers looking for acreage and the opportunity to complete a renovation while enjoying the beauty and space of five scenic acres.

7610 E Spanish Trail, Floral City
8372 E Lake Bradley Road, Floral City
$250,000
4 Beds ⋅ 3 Baths ⋅ 34436 Zip Code
If you’ve been dreaming of space, privacy, and true country living, this 4-bedroom, 3-bath home on 2 beautiful acres in Floral City is exactly what you’ve been searching for. Tucked among mature trees and open green space, it offers that peaceful, quiet setting where mornings feel slower and evenings are best spent on the porch watching the sunset. Inside, the split floor plan and generous living areas give everyone room to spread out, whether you need space for family, guests, or a dedicated home office. The detached 30x30 garage is great for a workshop, extra storage, or all your outdoor toys. With no HOA and no deed restrictions, you have the freedom to garden, entertain, bring your boat, or simply enjoy your own retreat — all just minutes from downtown Floral City, local parks, lakes, and scenic trails. This isn’t just a house; it’s the kind of property that lets you live life at your own pace.

8372 E Lake Bradley Road, Floral City
7825 E Stage Coach Trail, Floral City
$240,000
4 Beds ⋅ 2 Baths ⋅ 34436 Zip Code
Discover an opportunity in the heart of Floral City! This 2.44-acre MOL property boasts prime dual road frontage on both Stage Coach Trail and US 41, offering great visibility and access. Nestled among natural surroundings, the rear of the property is flanked by a lake. The property has a 1910 frame home that is not currently livable—please do not attempt to enter. However, the value lies in the land and its potential, whether you're envisioning a custom homesite or an investment. Seize this unique chance to own a slice of old Florida with many possibilities!

7825 E Stage Coach Trail, Floral City
11645 E Salmon Drive, Floral City
$234,900
2 Beds ⋅ 1 Baths ⋅ Withlapopka Island Unit 4-A SubDv. ⋅ 34436 Zip Code
Looking for a waterfront property to escape to when the winters up north get too cold or possibly an investment property? This may be the property for you! Nicely updated 2 bedroom / 1 bath cottage on Withlapopka Island in beautiful Floral City. This move-in ready home is nestled on a quiet canal that leads to the Floral City Chain of Lakes and Withlacoochee River and was successfully operated as an Airbnb in 2022-24. When driving to this property you will travel on winding roads with homes and wildlife that are very reminiscent of “Old Florida”. Home features include: an open & split floor plan, updated subflooring, new laminate flooring, new kitchen cabinets, new granite counters, refrigerator, gas stove, gas hot water heater, new electric panel and a spacious utility / laundry room. Large 25'x11' screened in front porch offers a great area to entertain or just enjoy a cup of coffee in the morning. Metal roof was installed in 2018, AC 2012. Home is high and dry - not in a flood zone. Just a short drive to restaurants, parks, the Withlacoochee Bike Trail, several public boat ramps, shopping and medical facilities. Don’t let this one slip by…call today!

11645 E Salmon Drive, Floral City
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