Clay County Homes under $400,000

Welcome to Clay County, Florida, a hidden gem nestled just southwest of Jacksonville, where the charm of suburban living meets the allure of natural beauty. This vibrant county is celebrated for its friendly communities, excellent schools, and a wealth of recreational opportunities, making it an ideal place for families, retirees, and first-time homebuyers alike.

Clay County boasts a diverse array of neighborhoods, each with its own unique character. From the picturesque lakes and lush parks to the inviting downtown areas, residents enjoy a blend of tranquil living and modern conveniences. With easy access to major highways, commuting to Jacksonville or enjoying a day at the beach is a breeze.

One of the most appealing aspects of Clay County is its affordability. There are numerous homes available for under $400,000, providing an excellent opportunity for those looking to invest in their future without breaking the bank. Whether you're searching for a cozy single-family home, a charming townhouse, or a spacious property with a backyard oasis, Clay County has something to fit every lifestyle and budget.

Imagine sipping your morning coffee on a sunlit patio or hosting family gatherings in a beautifully landscaped yard. With a variety of local amenities, including shopping, dining, and outdoor activities, you’ll find that Clay County offers a perfect balance between relaxation and excitement.

Explore the possibilities and discover the warmth of Clay County, where your dream home awaits at an affordable price. Embrace the lifestyle you’ve always wanted, and make Clay County your new home today!

Newest Clay County Homes under $400,000

$381,000

4 Beds ⋅ 3 Baths ⋅ 2168699 MLS

Welcome to GreyHawk, where comfort, convenience, and the Florida lifestyle come together! This completely turnkey home offers a versatile floor plan, peaceful pond views, and an impressive lineup of community amenities. Residents can enjoy a resort-style, zero-entry swimming pool, fitness studio, playground, tennis and basketball courts, dog park, and inviting lakeside gathering spaces featuring a fire pit and open-air pavilion. Conveniently located just minutes from Publix, shopping, and dining, with easy access to the First Coast Expressway and Clay County schools, this home truly checks all the boxes! Inside, wood-look tile flooring welcomes you into a spacious entryway that opens to a thoughtfully designed kitchen, living, and dining area, perfect for everyday living and entertaining. A first-floor bedroom and full bathroom offer flexibility for guests, a home office, or multigenerational living. Upstairs, three additional bedrooms provide plenty of room, including two connected by a convenient Jack-and-Jill bathroom. Step outside to the screened-in lanai and take in the tranquil pond views, the perfect backdrop for morning coffee or relaxing evenings. With a functional floor plan, peaceful outdoor setting, and an abundance of community amenities, this move-in-ready home offers the best of comfortable living and neighborhood convenience. Simply unpack and start enjoying everything GreyHawk has to offer!

3925 Bloomfield Court, Middleburg

$269,900

4 Beds ⋅ 2 Baths ⋅ 2168680 MLS

**Tired of seeing the same manufactured homes on the market? Look no further!** This brand-new 2026 home stands apart with its upgraded finishes, thoughtful design, and attention to detail throughout. Situated on a full acre in Keystone Heights with NO HOA, this impressive 4-bedroom, 2-bath home offers 1,920 square feet of living space, plus a versatile bonus room ideal for a sunroom, home office, or additional flex space. From the beautiful interior finishes to the brand-new well, septic system, driveway, and entry steps, this property offers the appeal of a completely new home with room to enjoy the outdoors! Step inside and discover the details that truly set this home apart! The farmhouse-inspired kitchen features 42-inch upper cabinets, oversized pull-out drawers, abundant storage, a stainless-steel farmhouse sink with sprayer, ceramic tile backsplash, pendant lighting over the center island, and a spacious walk-in pantry. Stainless steel Frigidaire appliances, including a side-by-side refrigerator and 30-inch range, complete this impressive kitchen. The spacious primary suite offers a relaxing retreat with a beautifully appointed bathroom featuring a soaking tub, separate enclosed shower, double sinks, and a dedicated vanity area. The generous walk-in closet includes built-in drawers and ample storage, combining style and functionality. Additional interior features include 8-foot ceilings, recessed lighting throughout, upgraded door and ceiling trim, and a dedicated utility room with cabinetry for added convenience. Energy-conscious features include Low-E windows and a programmable thermostat. Outside, you'll find durable vinyl siding, a shingle roof, new entry steps, a brand-new well and septic system, and a freshly installed milling driveway. Enjoy the space and flexibility of owning a full acre with NO HOA!

7457 Bienville Avenue, Keystone Heights

$199,900

3 Beds ⋅ 2 Baths ⋅ 2168677 MLS

Come live in this nice 3 bedroom 2 bath home with newer roof, new windows, new flooring ,new toilets. and huge corner lot yard that is fenced all around. Quiet area close to hospitals and schools, shopping all over the place too. Call to set up a viewing and make this your new home. Home was repiped recently.Newer roof.

401 Gano Avenue, Orange Park

$340,000

3 Beds ⋅ 3 Baths ⋅ 2168619 MLS

Welcome to this charming 3-bedroom, 2.5-bath home situated on a spacious 0.45-acre lot in the established Park West neighborhood of Orange Park. Wood flooring adds warmth and character to the living spaces, while the wood-burning fireplace creates a cozy atmosphere for relaxing or entertaining. Two new water heaters installed in 2026 provide added convenience. Step outside to enjoy the spacious screened rear porch, perfect for relaxing and enjoying the fresh air. The expansive backyard features a new fence, offering plenty of space for outdoor activities, gardening, or entertaining, while the large driveway provides ample parking. Conveniently located near Blanding Boulevard and Kingsley Avenue, with easy access to Orange Park Mall, grocery stores, restaurants, and shopping. I-295 and NAS Jacksonville are also within convenient reach. Enjoy the combination of a spacious property, established neighborhood, and convenient Orange Park location.

55 Preakness Plaza, Orange Park

$299,900

4 Beds ⋅ 2 Baths ⋅ 2168598 MLS

RARE OPPORTUNITY WITH AN ASSUMABLE MORTGAGE OPTION! Welcome home to 2242 Wagon Lane in the sought-after Cross Creek community of Green Cove Springs! This beautiful 4-bedroom, 2-bath home offers the perfect combination of comfort, space, and Florida living. The true showstopper is the OVERSIZED, FULLY FENCED BACKYARD, offering incredible room for entertaining, pets, outdoor activities, or creating your own private backyard oasis! Enjoy resort-style community amenities that make everyday living feel like a vacation. Whether you're relaxing at home or enjoying everything Cross Creek has to offer, this home checks all the boxes! HUGE BUYER BONUS: An assumable mortgage option may be available, subject to lender approval, buyer qualification, and applicable loan terms. Don't miss your chance to make this incredible home yours. Schedule your private showing today!

2242 Wagon Lane, Green Cove Springs

$375,000

3 Beds ⋅ 2 Baths ⋅ 2168593 MLS

This like new home is ready for it's next owner! Fresh colors and an open floor plans. I the current owners hate to leave but their family is expanding and need more room. Come by and I sure you will love this property.

2880 Wild Pine Lane, Green Cove Springs

85 Debarry Avenue Unit 1073, Orange Park

$139,900

2 Beds ⋅ 3 Baths ⋅ 2168586 MLS

Updated, stylish, and surrounded by a peaceful wooded backdrop, this two-story condo in Wells Ridge offers a fresh take on low-maintenance living in Orange Park. Inside, an inviting open living and dining area is anchored by an electric fireplace with a striking tiled surround, while luxury vinyl flooring flows throughout the main living spaces. The updated kitchen brings both function and style with granite countertops, white cabinetry featuring soft-close doors and drawers, a breakfast bar, pantry, and stainless-steel appliances. Upstairs, two spacious bedrooms provide comfortable retreats, including a primary suite with generous closet space and a private bath featuring a walk-in shower. The additional full bath has also been updated and a convenient half bath is located on the main level. Fresh finishes, recessed lighting, ceiling fans, and abundant natural light give the interior a clean, contemporary feel. Step outside to the private rear deck, where wooded views create a quiet setting for morning coffee or unwinding at the end of the day. Residents of Wells Ridge enjoy access to a community pool and clubhouse, while the association fee includes building insurance, exterior and grounds maintenance, pest control, and maintenance of the common structures. Additional parking is available along with assigned and guest spaces. With an updated interior, desirable two-story layout, community amenities, and a tranquil tree-lined setting, this Wells Ridge condo delivers an appealing opportunity in Orange Park.

85 Debarry Avenue Unit 1073, Orange Park

$320,000

4 Beds ⋅ 2 Baths ⋅ 2168574 MLS

This move-in ready 4-bedroom home sits on a spacious corner lot in the quiet Olde Sutton Oaks neighborhood of Orange Park. An open layout connects the living and dining areas, creating comfortable space for everyday living and entertaining. The AC and water heater were upgraded in 2026, and the roof was replaced in 2018, offering added peace of mind. LVP and tile flooring make cleaning and maintenance easy, while the rear screened patio offers a relaxing spot to enjoy fresh air and a gentle breeze. Enjoy convenient access to Publix, shopping, and dining along Argyle Forest Boulevard, as well as Oakleaf Town Center, Blanding Boulevard, and I-295.

398 Turtle Dove Drive, Orange Park

$318,000

3 Beds ⋅ 2 Baths ⋅ 2168550 MLS

In the Black Creek subdivision, 4814 Dale Ct, Middleburg FL 32068 is built in 2006 and renovated in 2026. Situated near Wilkinson in Middleburg, the home enjoys a quiet neighborhood setting. Inside, fresh interior paint brings a clean and bright backdrop to the rooms. The kitchen includes a walk-in pantry, giving you dedicated space to organize dry goods, cookware, and everyday ingredients within easy reach during meal prep. An attached garage provides sheltered vehicle parking along with extra room for tools and gear. In the back yard, a patio serves as an outdoor spot to set up seating, fire up a barbecue grill, and relax in the open air. Modern updates and clean finishes deliver an appealing home ready for new memories. Included 100-Day Home Warranty with buyer activation

4814 Dale Court, Middleburg

$239,990

3 Beds ⋅ 3 Baths ⋅ 2168542 MLS

Welcome to the Cayman - a pristine 2026 built, 2-story townhome offering 1,433 sq ft of thoughtfully designed living space. Step inside this 3-bedroom, 2.5-bathroom residence and be greeted by an open-concept main floor that effortlessly blends style and functionality. The gourmet kitchen is a standout, featuring sleek stainless steel appliances, shimmering Quartz countertops, a large center island with breakfast bar seating, and abundant cabinetry. It flows seamlessly into the bright dining and living areas, creating the perfect backdrop for both everyday living and entertaining. Upstairs, retreat to the spacious primary suite complete with a generous walk-in closet and a luxurious en-suite bathroom boasting dual vanities and a glass-enclosed shower. Two additional well-appointed bedrooms, a full bathroom, and a conveniently located laundry closet round out the second floor.

3865 Athenian Way, Middleburg

$360,000

3 Beds ⋅ 2 Baths ⋅ 2168541 MLS

Your dream home awaits! This beautifully renovated 3-bedroom, 2-bath home offers high-end finishes, an open layout, and plenty of windows that flood the interior with natural light. You'll notice the chef's kitchen with new stainless-steel appliances. The home features LVP flooring, modern lighting fixtures, and fenced yards at the front and back for privacy and outdoor enjoyment. There's space to park your RV under the detached carport, plus a spacious backyard shed perfect for storage or a workshop. Act quickly—this opportunity can be yours! Recent updates include a new garage door and opener in 2022 and a new HVAC system installed in 2020.

357 Dillon Drive, Orange Park

$279,990

3 Beds ⋅ 3 Baths ⋅ 2168538 MLS

Welcome to the Bermuda Model! This stunning 2-story townhome boasts 3 spacious bedrooms and 2.5 bathrooms. The open-concept main floor features a modern kitchen with stainless steel appliances, Quartz countertops, and an island, seamlessly flowing into the dining and living areas--ideal for entertaining. Upstairs, the primary offers a walk-in closet and an en-suite bath with dual vanities. Two additional bedrooms and a full bath provide ample space for family or guests. Enjoy outdoor Florida living on the covered patio where you have a pond or woodland view. Conveniently located near St. Vincent's Hospital, shopping, dining, and top-rated schools, this townhome is a perfect blend of style, comfort, and convenience. Don't miss out--schedule your showing today!

3893 Athenian Way, Middleburg

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