Sumter County Homes under $400,000

Sumter County Homes under $400,000

Welcome to Sumter County, Florida, a hidden gem nestled in the heart of Central Florida. Known for its picturesque landscapes, friendly communities, and a laid-back lifestyle, Sumter County offers a perfect blend of rural charm and modern convenience. With its rich history and vibrant culture, this county is an inviting place for families, retirees, and anyone looking to enjoy the sunshine state.

Sumter County is home to several small towns, each with its unique character. From the bustling community of The Villages, renowned for its active lifestyle and recreational opportunities, to the serene surroundings of Bushnell and Lake Panasoffkee, there’s something for everyone. The county boasts an array of parks, lakes, and nature trails, making it ideal for outdoor enthusiasts who enjoy hiking, fishing, or simply soaking up the Florida sun.

For those seeking an affordable home in this delightful area, Sumter County offers a variety of properties under $400,000. Whether you’re in the market for a cozy single-family home, a charming townhouse, or a spacious lot to build your dream home, you’ll find plenty of options that cater to diverse tastes and budgets. These homes often feature modern amenities, open floor plans, and beautiful outdoor spaces, perfect for enjoying the Florida lifestyle.

With a thriving real estate market and a welcoming community, Sumter County is an excellent choice for anyone looking to invest in their future. Explore the possibilities today and discover why so many people are choosing to call this beautiful part of Florida home!

Newest Sumter County Homes under $400,000

2531 Cr 546a, Bushnell
$365,000
3 Beds ⋅ 2 Baths ⋅ 1004 SubDv. ⋅ 33513 Zip Code
Discover the privacy, beauty, and possibilities of this 6.88-acre country property, ideally located just 15 minutes from The Villages/Middleton and Bushnell. The property is a rare combination of gorgeous mature grandfather oaks, open pasture, useful outbuildings, and a peaceful rural setting—while still being conveniently located to nearby shopping, dining, and amenities. The property features more than 40 beautiful mature oak trees, creating a picturesque natural setting with plenty of shade and character. Open pasture areas provide room for animals, gardening, recreation, or simply enjoying the peaceful surroundings. A 2002 single-wide manufactured home offers approximately 980 square feet, with 3 bedrooms and 2 bathrooms. The home has a metal roof and offers an opportunity for someone looking for a country property, weekend retreat, or homestead. This home sits in its original location since 2002. Outdoor improvements make this property especially versatile. A stocked pond is home to catfish, bream, and turtles, providing a relaxing spot to enjoy the outdoors. A 10' x 12' chicken coop is already in place, with chickens included with the property. For storage, hobbies, equipment, animals, or workshop space, there are multiple substantial outbuildings: 20' x 35' barn/workshop with a new metal roof, 115V and 220V electrical service, and lighting 10' x 32' barn/tack room with a new metal roof, 115V and 220V electrical service, and lighting 10' x 20' Smith-built storage shed, which needs some repairs Additional property improvements include a well and bladder tank replaced approximately three years ago. The septic tank was recently pumped and inspected with no reported issues. Tucked away in a private country location, this property offers the space and flexibility that's increasingly hard to find—yet you're only about 15 minutes from The Villages/Middleton and Bushnell. Whether you're looking for a small farm, homestead, hobby property, country getaway, or a place with room for animals and projects, this 6.88-acre property offers tremendous potential. Come enjoy the granddaddy oaks, open pasture, stocked pond, and peaceful country lifestyle—while staying conveniently close to everything you need.

2531 Cr 546a, Bushnell
9124 Wildlight Trail, Wildwood
$300,330
4 Beds ⋅ 2 Baths ⋅ Highfield At Twisted Oaks SubDv. ⋅ 34785 Zip Code
You will be delighted with this a spacious open plan. Key features include 9’4” ceilings, a kitchen with ample cabinetry with 42” upper cabinets for extra storage, a spacious island with sink, quartz countertops and stainless steel appliances. Retreat to the private master suite featuring dual vanities and a large walk-in closet. You have the option to transform a bedroom into a den featuring French doors. Every home comes with a SMART home technology package.

9124 Wildlight Trail, Wildwood
1115 San Bernardo Road, The Villages
$319,900
2 Beds ⋅ 2 Baths ⋅ Villages Of Sumter Villa San Leandro SubDv. ⋅ 32162 Zip Code
NO BOND! TURNKEY! YAMAHA GAS GOLF CART INCLUDED! Beautifully decorated and move-in ready, this 2-bedroom, 2-bath Beauregard floor plan courtyard villa makes it easy to start enjoying The Villages lifestyle. Just bring your clothes and toothbrush! Numerous updates include a kitchen remodel in 2016, bathroom remodels in 2018, a roof replaced in 2018, a water heater replaced in 2013, and an HVAC system replaced in 2014. The exterior was painted in 2022. The lanai was enclosed in 2022 with double-pane windows, providing an inviting space to relax or entertain. Exterior window awnings for additional shade, and a wall safe was installed in the primary bedroom closet in 2022. Conveniently located near Spanish Springs Town Square, the Savannah Center, The Villages Polo Grounds, Lake Sumter Landing, and many other area destinations, this inviting villa offers easy access to shopping, dining, entertainment, and recreation. Whether you’re seeking a year-round home or a seasonal retreat, this turnkey property is ready to welcome you!

1115 San Bernardo Road, The Villages
388 Bradley Terrace, The Villages
$374,900
2 Beds ⋅ 2 Baths ⋅ Villages Of Sumter Alexa Villas SubDv. ⋅ 32162 Zip Code
WELCOME TO YOUR VILLAS FLORIDA LIFESTYLE! This beautifully maintained 2-bedroom, 2-bath villa in the 55+ community of The Villages, located in the Mallory Squareneighborhood, offers an incredible combination of location, privacy, upgrades, and peace of mind. And one of the biggest bonuses of all: THE VILLAGES BOND IS PAID IN FULL! SO MANY UPGRADES & IMPROVEMENTS! The current owner has invested approximately $20,000 in upgrades and improvements, creating a home that is comfortable, attractive, and move-in ready. The kitchen was beautifully upgraded approximately 6 years ago with maple cabinetry, quartz countertops, and recessed lighting. Both bathrooms also feature quartz countertops, adding a beautiful, cohesive touch throughout the home. The original lanai was transformed into a gorgeous glassed-in sunroom in 2024, creating additional year-round living space and a wonderful place to enjoy the Florida sunshine. Additional insulation was added above the sunroom for enhanced comfort. You'll find plantation shutters throughout, NO CARPET, laminate flooring in the living areas, and tile flooring in both bathrooms—making this home attractive, comfortable, and easy to maintain. OUTDOOR SPACE & PRIVACY Located on a desirable corner lot, this villa offers a spacious private backyard with the concrete privacy wall and PVC fencing between villas. There is plenty of room to enjoy the outdoors, entertain, relax, or even explore the possibility of adding a private pool. MAJOR UPDATES & SMART IMPROVEMENTS The home has been thoughtfully maintained with numerous important updates, including:     •    Roof — approximately 6 years old     •    A/C — approximately 6 years old     •    Kitchen renovation — approximately 6 years ago     •    Glassed-in sunroom — 2024     •    Air distribution system — 2023     •    Whole-house surge protector — 2024     •    Solar vent — 2025     •    Additional insulation above sunroom     •    Additional garage storage with pull-down stairs The home also features a gas stove and gas water heater, desirable features for those who appreciate the convenience and performance of natural gas. LOCATION, LOCATION, LOCATION! Enjoy the best of The Villages lifestyle with a location convenient to Sumter Landing and also within easy reach of Brownwood Paddock Square. Shopping, dining, entertainment, golf, recreation, and countless Villages amenities are all part of the lifestyle waiting for you. FURNISHINGS NEGOTIABLE Furniture is negotiable, with the exception of the primary bedroom furniture, offering the buyer an opportunity to make this move even easier. Whether you're looking for a full-time Florida residence, a seasonal getaway, or simply ready to enjoy everything The Villages has to offer, this upgraded 2-bedroom, 2-bath villa offers an exceptional combination of comfort, privacy, updates, and location. BOND PAID IN FULL • $20,000 IN UPGRADES • CORNER LOT • SPACIOUS PRIVATE YARD • POOL POTENTIAL • GLASSED-IN SUNROOM • UPDATED KITCHEN • QUARTZ COUNTERTOPS • NO CARPET • NEWER ROOF & A/C • GARAGE STORAGE • GREAT LOCATION Come see why 388 Bradley Terrace could be the perfect place to call home!

388 Bradley Terrace, The Villages
9285 County Road 125b Street, Wildwood
$379,900
3 Beds ⋅ 2 Baths ⋅ 34785 Zip Code
Seller & Preferred Lender offering concessions for RATE BUY DOWN for those who qualify. Nearly 2,000 sq. ft. under air PLUS a DETACGED WORKSHOP/GARAGE, NEW ROOF, NEW A/C and NEW TANKLESS WATER HEATER on .34 acres just minutes from The Villages. This beautifully maintained 3-bedroom, 2-bath home offers 1,747 square feet of living space PLUS a 240-square-foot air-conditioned Florida room, providing 1,987 square feet under air. The large, detached workshop/storage building/garage, offers endless possibilities for woodworking, hobbies, a home gym, recreational equipment, tools, additional parking or additional storage. The expansive backyard also provides plenty of room for a future pool, outdoor entertaining, gardening, or creating your own personal retreat. Located in Fairways at Rolling Hills, this home offers a wonderful combination of comfort, flexibility, and functionality. Inside, you'll find a bright and open floor plan with soaring vaulted ceilings, updated flooring, abundant natural light, and a cozy fireplace that creates an inviting central gathering space. The kitchen features stainless steel appliances, attractive countertops, open shelving, and a breakfast bar overlooking the main living area. The spacious primary suite with a large ensuite bath featuring dual vanities, a walk-in shower, and generous closet space. Two additional bedrooms offer flexibility for family, guests, or a home office. The air-conditioned Florida room adds valuable year-round living space and is great for a second living area, game room, playroom, home office, or entertaining space while overlooking the backyard. Conveniently to shopping, dining, medical facilities, and everyday necessities, this move-in-ready home delivers space, versatility, and important updates that are hard to find at this price point. Schedule your own showing today!

9285 County Road 125b Street, Wildwood
1863 Dalton Drive, The Villages
$300,000
2 Beds ⋅ 2 Baths ⋅ The Villages SubDv. ⋅ 32162 Zip Code
NO BOND! This beautifully maintained 2 BEDROOM, 2 BATH WOODLAWN MODEL BLOCK & STUCCO COURTYARD VILLA in the Village of Belle Aire, within the VILLAS OF ST. SIMON is move-in ready, with QUARTZ countertops, STAINLESS STEEL appliances, engineered HARDWOOD flooring, high ceilings, ceiling fans, and upgraded exterior sliding doors. The primary suite has a tiled walk-in shower, wainscoting, a linen closet, an a CUSTOM BUILT walk-in closet. The courtyard is PAVED and wraps the villa, with pavers on the lanai and exterior spaces and no grass to maintain. The enclosed courtyard offers privacy for morning coffee or entertaining. The garage fits a car and a golf cart and has pull-down attic stairs. Roof replaced in 2021. Hot water heater replaced in 2026. Most furniture is available. This lovely home displays charm and character that must be seen. It sits between Spanish Springs and Lake Sumter Landing, a short golf-cart ride from Glenview and Nancy Lopez country clubs and Saddlebrook Recreation Center, with shopping, dining, golf, pools, pickleball, and tennis nearby.

1863 Dalton Drive, The Villages
1700 Jadestone Terrace, The Villages
$359,000
2 Beds ⋅ 2 Baths ⋅ Villages Of Sumter Azalea Villas SubDv. ⋅ 32162 Zip Code
Welcome to this beautifully maintained 2-bedroom, 2-bath Bonita Courtyard Villa in the charming Village of Pennecamp, where timeless country character meets easy, low-maintenance living. Set against a backdrop of MATURE LANDSCAPING, this inviting home offers a SPACIOUS PRIVATE courtyard and an abundance of thoughtfully designed updates. Step inside to discover an OPEN-CONCEPT floor plan filled with natural light and welcoming details. The kitchen features white cabinetry with pull-out drawers, GRANITE countertops, a farmhouse-style sink, STAINLESS-STEEL appliances, and a generous breakfast bar. It opens seamlessly to the dining and living areas, creating the perfect setting for everyday living and entertaining. LVP flooring flows throughout, complemented by PLANTATION SHUTTERS, a NEW SLIDING GLASS DOOR in the dining room, and NEW DOUBLE FRENCH DOORS in the living room that open to the ENCLOSED LANAI. Country-inspired details add warmth and personality throughout the home, including board-and-batten accents in the dining room, shiplap in the living room, and a charming faux fireplace with mantel. The primary suite features shiplap walls, sliding doors to the lanai, a VAULTED ceiling, WALK-IN closet, and an EN-SUITE bath with GRANITE counters and a WALK-IN SHOWER. The guest bedroom also offers shiplap, a VAULTED ceiling, and a built-in closet, while the guest bath includes a GRANITE counter, beadboard accents, and a TUB-and SHOWER combination. The EXPANSIVE PRIVATE courtyard is a true outdoor retreat, featuring a DECK with PERGOLA, mature landscaping, and a 10-foot wall for added privacy. There is plenty of room to relax, entertain, garden, or enjoy time with your pets. The 1.5-car garage includes the washer and dryer, additional cabinetry, and pull-down attic stairs for extra storage. Additional Improvements include: 2025 roof ~ 2025 HVAC ~2025 water heater ~CEDAR Shutters on the outside ~LVP flooring throughout ~New high baseboards ~Updated lighting ~New Sliding door in the dining room ~New Double French doors in the living. Meticulously maintained and truly move-in ready, this exceptional villa captures the warmth and appeal of country charm while offering modern comfort and convenience. Don’t miss the opportunity to make this delightful Pennecamp home your own as it’s conveniently located between the Sumter Landing and Brownwood Town Squares, close to Cain Garden Championship Golf & Country Clubs, recreation centers, pools, shopping, dining, medical facilities and more—schedule your private showing today!

1700 Jadestone Terrace, The Villages
2800 Plainridge Loop, The Villages
$349,900
3 Beds ⋅ 2 Baths ⋅ Villages Of Sumter SubDv. ⋅ 32162 Zip Code
TURNKEY, NO BOND, in the established Village of Belvedere — with an EZ-GO GOLF CART included! If you’ve been looking for an easy, move-in-ready way to start enjoying The Villages lifestyle, this one makes it simple. This well-maintained 3-bedroom, 2-bath home offers a comfortable open layout, attractive updates, and plenty of room to relax, entertain, and make yourself at home. Step inside to a bright and welcoming living and dining area with LVP flooring throughout the main living spaces and primary bedroom. The kitchen is both functional and inviting, featuring plenty of cabinet and counter space, a breakfast bar, gas cooking, and an updated stainless-steel refrigerator. The spacious 450 sq. ft. garage gives you room for both your vehicle and golf cart. The primary suite offers plenty of space to unwind, with natural light, LVP flooring, and an ensuite bath featuring an extended vanity and walk-in shower. Two additional bedrooms are privately separated from the common area by a pocket door, making them perfect for overnight guests, a home office, craft space, or whatever fits your lifestyle. Both guest rooms feature carpeting, while the kitchen, bathrooms, and lanai features easy-care tile flooring. One of the best features of this home is the 210 sq. ft. glass-enclosed, air-conditioned lanai. Surrounded by windows with full shades and views of mature greenery, it’s the perfect spot for morning coffee, an afternoon book, entertaining friends, or simply enjoying a peaceful Florida day. Just outside of the lanai is an additional 10'x9' patio with a pergola overhead. You’ll love the added privacy wall out back, along with the attractive landscaping, curved walkways, mature trees, and welcoming curb appeal. Located in the established Village of Belvedere, you’ll enjoy convenient golf-cart access to shopping, dining, recreation, golf, and all the fun of The Villages. And here’s the best part — this home is being sold TURNKEY, complete with furniture, furnishings, and an EZ-GO golf cart. Just bring your suitcase and start enjoying The Villages lifestyle from day one. Whether you’re looking for a full-time home, seasonal retreat, or easy Florida getaway, this one is ready and waiting for you.

2800 Plainridge Loop, The Villages
1836 Captiva Court, The Villages
$324,900
3 Beds ⋅ 2 Baths ⋅ Villages/Sumter Un #41 SubDv. ⋅ 32162 Zip Code
This newly renovated, move-in ready 3 bedroom, 2 bath home is gorgeous inside and out. It has been thoughtfully designed with warm, neutral tones, modern finishes & a welcoming feeling throughout. Best of all, it comes tastefully furnished with everything you see! The desirable split-floorplan features LVP flooring throughout the home (no carpet), beautiful granite counters, stainless steel appliances (gas range), lovely lighting/fans, popcorn ceilings have been removed, interior laundry & the interior has all been freshly painted. The large primary suite has plenty of space, features a generous walk-in closet & a lovely updated bathroom with glass shower doors. Both bathrooms include convenient linedn closets for added storage. Enjoy Florida living year-round with screened-in front & back lanais, plus a birdcage that provides additional outdoor living space. The 2 car garage also has a screen door, adding extra airflow. Outside you'll love the beautiful landscaping, featuring a lovely paver patio and palm tree. The location is another highlight! You'll be conveniently close to Costco, Hobby Lobby, pharmacies, shopping, restaurants & much more. You're just a short drive to both Lake Sumter & Spanish Springs town squares, putting entertainment just minutes away! Beautifully renovated. Warm & inviting. Tastefully furnished. Enjoy year-round living, part-time or rental. Don't miss this one!

1836 Captiva Court, The Villages
935 Cr 738e, Webster
$250,000
2 Beds ⋅ 2 Baths ⋅ Unplatted SubDv. ⋅ 33597 Zip Code
INVESTMENT OPPORTUNITY ON 5.76 ACRES! This 2-bedroom, 2-bath block home offers a unique combination of acreage, amenities, and potential. Situated on 5.76 acres, the property features approximately 1,274 sq. ft. of living space, with both bedrooms offering walk-in closets. The home includes a metal roof, carport, and a pool, providing plenty of opportunity for outdoor enjoyment and future value. The living area also features a fireplace with gas elements. Per the seller, the electric water heater was replaced approximately 5 years ago. The property also includes multiple outbuildings, offering additional storage and flexibility for a variety of uses with room to enjoy the property. Whether you're looking for an investment property, acreage with a home, or a property with room for additional uses, this one offers a combination that's hard to find. Bring your vision and explore the possibilities!

935 Cr 738e, Webster
7442 Savanna Drive, The Villages
$359,900
3 Beds ⋅ 2 Baths ⋅ The Villages SubDv. ⋅ 34762 Zip Code
Located just 4 Minutes to EASTPORT TOWN SQUARE, experience the best of Florida living in this 3-bedroom, 2-bath ANCHOR Cottage home with a 2 car garage and ROOM For A POOL in the VIBRANT Village of Waters Edge - JUST MINUTES to BOTH Sawgrass Grove and the NEW Eastport Town Square, offering shopping, dining, and live nightly entertainment! Step inside to a BRIGHT, GENEROUS foyer where STUNNING LUXURY VINYL PLANK flooring flows seamlessly throughout the main living areas. HIGH VAULTED ceilings paired with an OPEN CONCEPT design create an AIRY, EXPANSIVE atmosphere ideal for both everyday living and entertaining. At the heart of the home, the chef-inspired kitchen is sure to impress with CRISP WHITE SHAKER cabinetry, SLEEK QUARTZ countertops, and STAINLESS STEEL appliances including a GAS Stove and a large COUNTER-HEIGHT breakfast bar - perfect for casual dining and gathering with guests. The oversized INSIDE Laundry Room is upgraded with cabinets and shelves. Sliding glass doors from the living room open effortlessly to your PRIVATE OUTDOOR RETREAT, where the LANAI and Private back area create a true FLORIDA OASIS! The Master bedroom is spacious, easily accommodating a king suite, and the en-suite features tall counters, dual sinks, a walk-in shower and a large walk-in closet. The guest bedrooms are also spacious and share a bathroom with a tub/shower combination. A few other additional features include: retractacle screen front door, upgraded rocker Light switches, large shrubs in back for privacy, window blinds & ceiling fans throughout, MyQ enabled garage adapter, google nest smart thermostat and more! The contemporary Village of Waters Edge lies directly across from the NEW Eastport Town Square, offering easy access to shopping, dining, and live nightly entertainment plus if Going to the airport? Groome transportation stops at Eastport Hotel! Close to Olympia Regional Recreation Center; Waters Edge, Saluki, Shady Brook, and Moultrie Creek Pools and Neighborhood Recreation Centers; Shallow Creek Championship Golf course; Beautyberry, Honeysuckle, and Bellaire Executive Golf Courses; Farragut Softball Complex; Boosters Bar and Grill; and Sophie Doodles Canine Park for your furry friends. It is also near Magnolia Plaza and Sawgrass Grove, where you’ll find additional shopping, dining, and entertainment options! PLEASE WATCH OUR WALKTHROUGH VIDEO of this FANTASTIC COTTAGE HOME in an AMAZING LOCATION and CALL TODAY to schedule your private showing or virtual tour!

7442 Savanna Drive, The Villages
5562 S Us 301, Bushnell
$330,000
4 Beds ⋅ 4 Baths ⋅ Sumter Gardens & Busnell Park 02 SubDv. ⋅ 33513 Zip Code
This spacious single-family home features 5 bathrooms, kitchens, and generously sized rooms, offering a flexible layout to accommodate a variety of needs. Living areas and additional spaces provide comfort and versatility throughout the home. The property features a metal roof, new window A/C units in several rooms, a laundry area with a gas dryer, a large covered porch, and a fully fenced backyard for enjoying the outdoors. A tool room provides additional storage space. The seller believes there may be a second septic tank previously used for an RV; this information remains unverified. Located on US-301, the home offers convenient access to shopping, restaurants, schools, parks, and major area roads. Come discover the space, comfort, and possibilities this home provides!

5562 S Us 301, Bushnell
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