Lady Lake Homes under $400,000

Lady Lake Homes under $400,000

Welcome to Lady Lake, Florida—a charming town that beautifully blends small-town warmth with vibrant community spirit. Nestled in the heart of Lake County, Lady Lake is a hidden gem that offers a serene lifestyle while being just a stone's throw away from the bustling attractions of The Villages. With its picturesque landscapes, friendly neighborhoods, and a rich tapestry of cultural activities, Lady Lake is the perfect place to call home.

One of the standout features of Lady Lake is its affordability. For those seeking their dream home without breaking the bank, the town offers an impressive selection of homes priced under $400,000. Whether you're a first-time buyer, looking to downsize, or searching for a seasonal retreat, you’ll find a variety of options that cater to your needs. From cozy single-family homes with spacious yards to modern townhouses with community amenities, Lady Lake has something for everyone.

The community is also known for its outdoor recreational opportunities. With several parks, lakes, and golf courses, residents can enjoy an active lifestyle amidst stunning natural beauty. Plus, the town’s proximity to major highways makes it easy to explore nearby attractions, including the enchanting Ocala National Forest and the sparkling waters of Lake Griffin.

In Lady Lake, you’ll not only find a place to live but a community to thrive in. Discover the charm of this delightful town and explore the affordable housing options available—your dream home awaits!

Newest Lady Lake Homes under $400,000

3067 Southern Trace, The Villages
$369,000
3 Beds ⋅ 2 Baths ⋅ The Villages SubDv. ⋅ 32162 Zip Code
BOND PAID! LOCATION, LOCATION, LOCATION! Discover this beautifully maintained Monroe/Wisteria model in the VILLAGE of POLO RIDGE, ideally located near the POLO FIELDS. Golf, recreation, tennis, and swimming are close by, with the SADDLEBROOK RECREATION CENTER offering a pool, bocce, horseshoes, tennis, and pickleball. The SADDLEBROOK SOFTBALL COMPLEX and nearby executive golf courses add even more ways to enjoy the area. LAKE SUMTER LANDING is a convenient golf-cart ride away, with nightly entertainment, restaurants, shops, and more. This CORNER-LOT HOME offers 3 bedrooms, 2 bathrooms, and over 1,600 square feet of indoor living area. Meticulously maintained landscaping, a CIRCULAR DRIVEWAY, and freshly painted driveway and walkway create lovely curb appeal. Out back, a generously sized painted paved area offers room to relax, dine, or enjoy a barbecue. Inside, the flooring includes laminate, tile, and carpet. The kitchen features QUARTZ countertops, PULL-OUT SHELVING, and matching WHIRLPOOL appliances; matching QUARTZ countertops continue in the bathrooms. PLANTATION SHUTTERS and blinds add a polished touch, while added laundry-room CABINETRY and abundant GARAGE STORAGE make everyday living easier. The OVERSIZED GARAGE, with a painted floor, also includes PULL-DOWN ATTIC STAIRS. Recent updates include a 2020 ROOF, a 2024 WATER HEATER, kitchen APPLIANCES purchased and installed in 2023, and a WASHER AND DRYER purchased in 2021. The GARAGE DOOR OPENER, SPRINGS, AND ROLLERS were replaced in 2024, and NEW SOD was installed in September 2026. Enjoy a well-cared-for home in The Village of Polo Ridge, close to golf, recreation, shopping, dining, and entertainment, with the added value of a paid bond.

3067 Southern Trace, The Villages
3001 Glenwood Place, The Villages
$347,000
3 Beds ⋅ 2 Baths ⋅ Villages/Sumter Un #33 SubDv. ⋅ 32162 Zip Code
Beautifully Updated Corner-Lot Home with Exceptional Indoor & Outdoor Living! Welcome to this beautifully maintained three-bedroom, two-bath home, ideally situated on a spacious corner lot in one of the most convenient locations in The Villages. From its impressive curb appeal to its thoughtfully designed interior and inviting outdoor living spaces, this home offers the perfect combination of comfort, style, and functionality. The exterior immediately makes an impression with concrete stone landscaping walls, beautifully appointed landscaping beds with accent lighting, a painted driveway and walkway, and an expanded front patio—complete with a restractable awning, creating a warm and welcoming entrance. Inside, the home features luxury vinyl flooring and carpet, smooth ceilings, and a comfortable floor plan. The spacious great room features vaulted ceilings, ceiling fan, and pull-down shades, while the adjacent dining area is enhanced by an attractive upgraded chandelier. The well-appointed kitchen offers quartz countertops and coordinating backsplash, a gas range, water filtration, and newer appliances, along with plenty of cabinetry and workspace for everyday living and entertaining. The private primary suite provides a relaxing retreat with a renovated walk-in shower, generously sized vanity, and spacious walk-in closet. The desirable split-bedroom floor plan provides privacy for guests, with a convenient pocket door leading to two spacious guest bedrooms and a second bathroom featuring a tub/shower combination. Step outside to the screened-in rear lanai, where indoor and outdoor living come together beautifully. The centerpiece is a four-person hot tub featuring lighting, 220-volt service, two pumps, and privacy pull-down shades—creating the perfect setting to relax, unwind, and enjoy your own private outdoor retreat. Additional features include a new sprinkler system, new toilets, smooth ceilings, full two-car garage, painted driveway and walkway, and select furniture pieces that convey with the home. The roof was replaced in 2021, and the HVAC system was replaced in 2018. With its spacious corner-lot setting, exceptional outdoor living, and convenient location near shopping, restaurants, banking, the polo fields, and the many amenities of The Villages, this home offers an outstanding opportunity to enjoy the lifestyle you’ve been looking for. A wonderful home, an exceptional location, and an incredible combination of features and value—this one deserves to be seen!

3001 Glenwood Place, The Villages
9367 Se 176th Saffold Street, The Villages
$332,000
3 Beds ⋅ 2 Baths ⋅ The Villages SubDv. ⋅ 32162 Zip Code
NO BOND! ROOF 2019! HVAC 2023! Welcome to this beautifully maintained 3-BEDROOM, 2-BATH WILLOW MODEL, built in 2003 and offering 1,555 SQ FT in the Village of SPRINGDALE! With a GORGEOUS YARD, inviting outdoor spaces, and thoughtful updates, this charming home welcomes you to GOLF CART LIVING AT ITS BEST! A BEAUTIFULLY MANICURED LAWN with TIERED LANDSCAPING and a freshly painted and sealed driveway make a lovely first impression. Inside, laminate flooring enhances the living room and one guest bedroom, while carpeting adds comfort to the primary bedroom and remaining guest bedroom. The kitchen features TILE FLOORING and STAINLESS STEEL APPLIANCES, and the PRIMARY BATHROOM received an update in 2020. The 18×9 ENCLOSED LANAI offers a welcoming setting for morning coffee, reading, or conversation, with distinctive CHATTAHOOCHEE FLOORING that also extends into the 10×15 SCREENED BIRDCAGE. A NEW CANVAS COVER installed on the birdcage in 2024 adds shade to this inviting outdoor retreat. With the BEAUTIFUL YARD as your backdrop, these delightful spaces are perfect for relaxing afternoons or gathering with friends. Additional features include a GARAGE SCREEN installed in 2021, a TANKLESS WATER HEATER installed in 2021, and a Coastal health and safety alarm system with water, carbon monoxide, and smoke detection. With a COMMUNITY POOL and a DOG PARK NEARBY, enjoying the outdoors is easy! Shopping, restaurants, recreation centers, and medical offices are conveniently located, with Nancy Lopez Legacy Country Club and Glenview Country Club nearby. From refreshing pool days to golf, dining, and evenings with friends, this home offers a wonderful opportunity to embrace The Villages lifestyle. YOUR NEXT CHAPTER BEGINS HERE!

9367 Se 176th Saffold Street, The Villages
2615 Privada Drive, The Villages
$255,000
3 Beds ⋅ 2 Baths ⋅ The Villages SubDv. ⋅ 32162 Zip Code
3/2 in the Village of Alhambra this BOND PAID home is perfect for enjoying Florida living with GOLF CART INCLUDED! Open concept with an enclosed lanai and patio for relaxing, grilling and entertaining. The kitchen features STAINLESS-STEEL APPLIANCES, a BREAKFAST BAR, and a CLOSET PANTRY. The SPLIT-BEDROOM design offers privacy, with a comfortable primary suite featuring a WALK-IN CLOSET and en-suite bath. The two guest rooms with full bath are on the opposite side of home and all offer NO CARPET and PLANTATION SHUTTERS! The garage accommodates a single car plus golf cart with shelving in place. ROOF 2018 HVAC 2013 WH 2021 You are just minutes from the Savannah Center, Glenview Country Club, and Spanish Springs Square. Ideal location close to dining, shopping, recreation, and nightly entertainment. It's time to enjoy The Villages!

2615 Privada Drive, The Villages
313 Varnville Way, The Villages
$324,000
2 Beds ⋅ 2 Baths ⋅ Villages Of Sumter Emmalee Villas SubDv. ⋅ 32162 Zip Code
Virtually Staged. BOND PAID – MOVE IN READY – High End FURNITURE available separately. Welcome to this beautifully upgraded patio villa in Emmalee Villas, located in the desirable Village of Mallory! More than a typical villa, this home has more enjoyable living space with a fully converted Florida room that extends beyond an enclosed lanai. Featuring finished interior walls, crown molding, and tile floors, this versatile area can be enjoyed year-round with AC and Heat for the perfect temperature. Open the windows, and it transforms into the perfect outdoor lanai experience. Inside, vaulted ceilings and solar tubes fill the home with natural light, creating a bright and airy atmosphere. The striking contrast of rich dark tile flooring and crisp white cabinetry is anything but ordinary. The kitchen and bathrooms have been beautifully updated with quartz countertops, while thoughtful upgrades throughout include plantation shutters—even on the sliding glass doors! Shiplap accents in the hallway add warmth and character, and the built-in sound system lets you enjoy your favorite music whether you're relaxing at home or entertaining guests. Outside, this villa stands out with gorgeous pavers in the driveway, sidewalk and patio! Maybe your swing lounger on the patio is the perfect place to enjoy the breezes in the winter months! Don't fret about the "Florida water" taste & hydrate with water filtered with a whole house water filtration system! Perfectly situated just A QUICK FEW MINUTES TO LAKE SUMTER LANDING FOR NIGHTLY entertainment where you can enjoy your favorite live bands or DJ! Grab a sweet treat at any of the restaurants or enjoy dinner! Visit the shops and take a calming stroll along the boardwalk. This exceptional villa combines style, comfort, and an unbeatable location—making it the perfect place to enjoy The Villages lifestyle. The Villages is a 55+ Community with over 3000 activities. The amenity fee of $204 includes executive golf, swimming pools and nightly entertainment at the Town Squares (Lake Sumter Landing, Spanish Springs, Brownwood Paddock, Eastport, as well as Sawgrass). Travel anywhere throughout The Community on a golf cart using multimodal pathways. Imagine being part of a community that lives and breathes activity!!! Roof 2020, A/C & HWH 2006

313 Varnville Way, The Villages
17382 Se 93rd Retford Terrace, The Villages
$229,900
2 Beds ⋅ 2 Baths ⋅ Crescent Rdg Ph 2 SubDv. ⋅ 32162 Zip Code
Lovely move in ready 55+ community in the Villages! This amazing home features 2 bedrooms, 2 bath, 2 car garage, inside laundry, luxury vinyl flooring throughout, living room, dining room, open floor plan, breakfast bar, screened in front patio, freshly painted. Enjoy peace of mind with the low-maintenance lifestyle this villa provides. Living in The Villages means world-class amenities at your fingertips—championship golf courses, resort-style recreation, multiple dining options, and a vibrant, active community. If you’re ready to embrace the ultimate Florida lifestyle, this fantastic home is your perfect match.

17382 Se 93rd Retford Terrace, The Villages
1319 Carvello Drive, The Villages
$309,000
2 Beds ⋅ 2 Baths ⋅ Santiago SubDv. ⋅ 32162 Zip Code
NO BOND! 2025 HVAC! 2019 ROOF! OVERSIZED HOMESITE WITH LARGE BACKYARD AND ROOM FOR A POOL! Welcome to this beautifully maintained AUSTIN MODEL in the desirable VILLAGE OF SANTIAGO, situated on a spacious homesite surrounded by mature landscaping. Step inside and you'll immediately appreciate the home's bright, open feel, enhanced by VAULTED CEILINGS and attractive laminate flooring throughout the main living areas. The living room flows naturally into the dining area and kitchen, creating a comfortable setting for both everyday living and entertaining. The kitchen features ceramic tile flooring, abundant cabinetry with convenient rollout shelves, generous counter space and a BREAKFAST BAR WITH SEATING that opens directly to the living area. The spacious PRIMARY SUITE includes a walk-in closet, private ensuite bath with walk-in shower and linen storage, plus SLIDING-GLASS-DOOR ACCESS TO THE LANAI. The guest bedroom provides plenty of space for visiting family and friends—or could easily serve as a den or home office—with a separate guest bath featuring a tub/shower combination. One of the home's highlights is the SCREENED LANAI, offering a wonderful extension of the living space with a desirable SOUTHEAST EXPOSURE and overlooking the LARGE BACKYARD AND MATURE LANDSCAPING—an inviting setting for morning coffee, entertaining friends or simply enjoying the Florida lifestyle. And with ROOM FOR A POOL, the oversized backyard provides exciting possibilities for creating your own Florida outdoor retreat. The 1½-CAR GARAGE includes the laundry area with GE appliances, laundry tub, attic access, sliding screen door and a NEW GARAGE DOOR OPENER. Additional features include lightning rods and a 2014 water heater. A FURNITURE PACKAGE IS AVAILABLE SEPARATELY for buyers interested in an easier transition into their new Villages home. And the location is hard to beat—convenient to Savannah Center, Glenview Country Club and the Polo Fields, with shopping, dining, medical services and everyday conveniences along the CR 466 corridor just minutes away. With NO BOND, 2025 HVAC, 2019 ROOF, SOUTHEAST EXPOSURE, a spacious screened lanai and an oversized homesite with ROOM FOR A POOL, this well-cared-for Santiago home offers an appealing combination of location, outdoor space and important big-ticket improvements. COME SEE IT FOR YOURSELF!

1319 Carvello Drive, The Villages
2146 Hopespring Loop, The Villages
$325,000
2 Beds ⋅ 2 Baths ⋅ Villages Of Sumter SubDv. ⋅ 32162 Zip Code
No Bond, turnkey, and a Yamaha gas golf cart included! This rare 2-bedroom, 2-bath Sand Dollar model is beautifully maintained and ideally located in the Village of St. James, offering a wonderful combination of space, comfort, and convenience. From the moment you enter, you’ll notice the care given to the home and the quality of the furnishings, all of which are included for a truly turnkey opportunity. The spacious floor plan features a large living room, generously sized bedrooms, and a roomy kitchen with a breakfast bar, quality cabinetry, and stainless steel and black appliances. Additional features include no popcorn ceilings, 15” diagonal ceramic tile flooring with carpet in the bedrooms, a glass storm door, and gutters around the entire home. Major updates include an HVAC system installed in March 2022, while the roof dates to 2011. There is a dedicated laundry room with cabinets. The kitchen offers attractive Articraft cabinetry with convenient pull-out storage drawers. An enclosed glass lanai adds approximately 185 square feet of flexible space for relaxing, entertaining, or hobbies, while a power awning and backyard privacy wall provide even more opportunities to enjoy the Florida lifestyle. Included is a Weber Grill on the outside 12' x 12' Patio. A Yamaha gas golf cart is also included, making it easy to start exploring The Villages from day one. The Village of St. James provides convenient golf cart access to both Lake Sumter Landing Market Square and Brownwood Paddock Square, along with Sterling Heights and SeaBreeze Regional Recreation Centers, neighborhood pools, pickleball, tennis, fitness facilities, clubs, and countless recreational and social activities. Golfers will appreciate convenient access to Jacaranda, Turtle Mound, Southern Star, and Yankee Clipper Executive Golf Courses, as well as Cane Garden Country Club for championship golf and dining. With No Bond, turnkey furnishings, a golf cart included, an enclosed glass lanai, and an excellent central location, this rare Sand Dollar offers an easy opportunity to begin enjoying The Villages lifestyle right away. Schedule your private showing today, or request a FaceTime tour if you’re out of the area!

2146 Hopespring Loop, The Villages
2114 Marlin Place, The Villages
$400,000
3 Beds ⋅ 2 Baths ⋅ Villages Of Sumter Amberjack Villas SubDv. ⋅ 32162 Zip Code
Don't miss this one....Gorgeous Amberjack Villa loaded with upgrades centrally located just off St. Charles Place. NO BOND "TURNKEY" Glass-enclosed lanai plus spacious 11X14 birdcage for outdoor enjoyment year round....includes entertaining firepit and comfy seating. Electric is available if you want to add that Hot tub. Upgraded luxury vinyl flooring in Master bedroom and living/dining areas. Granite counters and new appliances added 2024 (with remaining warranty.) HVAC was replaced 2021 with extended parts warranty. Roof is original without issues. Poured concrete construction built in 2010 Master bed is a split King with adjustable frame. New sofa sleeper, too. Inside laundry room with nice Washer/dryer. Epoxy garage flooring. Owner will consider financing with 20% down at market rate. 2025 Tax: Ad Valorem $2861 Non-Ad Valorem assessments: $726.97 Recent 4-Point inspection available.

2114 Marlin Place, The Villages
287 Mercer Way, The Villages
$335,000
3 Beds ⋅ 2 Baths ⋅ Villages Of Sumter SubDv. ⋅ 32162 Zip Code
NO BOND! LOW TAXES! 3-BEDROOM AMARILLO MODEL IN THE VILLAGE OF AMELIA! Prime location just 6 minutes from Lake Sumter Landing, this beautifully renovated 3-bedroom, 2-bath Amarillo model offers style, comfort, and convenience in a home that feels brand new. How can you resist? The home features new luxury plank vinyl flooring throughout, with ceramic tile in the kitchen… all carpeting has been removed. And no popcorn ceilings! The updated kitchen boasts new quartz countertops, new gorgeous designer sink and faucet, and a brand-new stainless-steel dishwasher, complementing the other stainless-steel appliances. The laundry room includes a dryer, a new washer, a utility sink, and lots of cabinet space above. The popular split-bedroom floor plan provides privacy and functionality. The spacious primary suite is located on one side of the home and features a generous walk-in closet and a beautifully remodeled ensuite bath with dual sinks, new quartz countertop, new lighting, new faucets, plus a shower and linen closet. The second and third bedrooms, second full bath, and second linen closet are all located on the opposite side of the living space giving your guests their own private area. The second bath has also been updated with a new quartz countertop, faucet, and lighting. Ceiling fans are located in all bedrooms, the living room, and the lanai, with new LED lighting throughout the home. Gas is available at the property, although the current owner has not connected service. Buyers who prefer gas can arrange connection through the local gas company. Enjoy year-round outdoor living in the enclosed lanai, complete with beautiful pavers and plenty of space for entertaining. A separate concrete patio provides the perfect spot for your grill. The insulated garage door adds comfort, while the huge second refrigerator in the garage provides valuable additional food storage. Home is equipped with an ADT security system ready for you to activate. BEST OF ALL — NO BOND & LOW TAXES! The bond on this property is paid in full — a significant benefit for the new owner. Please note that some neighboring properties may still have an estimated remaining bond balance of approximately $10,982.17. This is a wonderful opportunity to become a Villager at a reasonable cost, in a beautifully updated home with the major renovations already completed. Just a short golf cart ride to Lake Sumter Landing, shopping, dining, entertainment, recreation, golf, and all that The Villages is a great place to live! NO BOND. LOW TAXES. BEAUTIFULLY RENOVATED. PRIME LOCATION.

287 Mercer Way, The Villages
971 Kingmont Terrace, The Villages
$349,000
3 Beds ⋅ 2 Baths ⋅ Villages Of Summerhill SubDv. ⋅ 32162 Zip Code
Let me introduce myself. I’m a 3 bedroom, 2 bathroom TURNKEY, NO BOND WITH A 2023 ROOF a 2024 HWH, home in the Village of Summerhill, and I’m ready for someone to move in and start enjoying The Villages. I sit on a gently elevated, beautifully landscaped lot. Out back, mature trees provide shade and a sense of privacy, making the yard a peaceful place to unwind. My enclosed lanai gives you another spot to relax, and its screened windows open to let the fresh air through. Just outside, there’s a pad ready for your grill. Inside, my living room gives you room to arrange the furniture your way, whether you want a cozy place to watch a movie or an open space for guests. My kitchen has plenty of counter space, stainless steel appliances, and an island where friends can keep you company while you make dinner or put together a few snacks. LED lighting fixtures add a fresh touch throughout. I’m practical, too. My 2 car garage already has plenty of cabinets and a refrigerator that stays. There’s room to add more organization if you need it, plus attic steps for access to storage above. I also have a practically brand-new 2023 washer and gas dryer, natural gas, a painted driveway, and no bond. You’ll find me in Summerhill, just north of County Road 466, close to shopping, amenities, and Lake Sumter Landing. Many of the places you’ll want to visit are just a short golf cart ride away. If you’re looking for a home where you can settle in right away and spend more time enjoying The Villages, come see me. I have a feeling we’ll get along.

971 Kingmont Terrace, The Villages
8305 Se 168th Mardell Lane, The Villages
$388,876
3 Beds ⋅ 2 Baths ⋅ The Villages SubDv. ⋅ 32162 Zip Code
New Roof 06/2018 | New HVAC 2025 | 2 CAR + GOLF CART GARAGE| Village of Briar Meadow | 3 Bedrooms + bonus room | 2 Full Baths | GAS & Electric | New Mini Split in Master Bedroom & Lanai 2025 | Golf Cart INCLUDED | UPGRADED Pull Downs Stairs to Attic | Added Insulation | LOW Bond $1,554.00 | This Beautiful designer Oleander designer model is sure to please featuring 3 Bedrooms + Den 2 Car Garage + Golf Cart Garage (added bonus: Golf Cart Conveys), lovely Door with 2 side lights welcoming into the foyer. The primary bedroom is spacious and can accommodate a King size bedroom suite Plus it has a Mini split for added comfort. The en-suite features a large walk in closet, a walk in shower, dual sinks and a new toilet. The guest bedrooms are a good size and feature custom built in closets and the guest bedroom has a tub/shower combo with a new toilet. Soaring ceilings greet you as you enter the home. The foyer features a large closet for added storage. The living room and dining room have laminate flooring, while the foyer, laundry room and kitchen have tile flooring. The large lanai (21 x 8.9) has a split unit and leads out to the oversized patio (14'11 x 8'11) which is great for entertaining or grilling! This home is in an ideal location; with a short golf cart ride you are just moments from the Springdale Pool, Dog Park, Mulberry Grove Pool & Regional Recreation Center, the Nancy Lopez Country Club, the new First Responders Regional Recreation Center with put put golf and Mulberry Grove Shopping Center offering Grocery, Drugstore, Banking, Medical, VA Center, Restaurants etc. You will also enjoy Lots of options for golfing, entertainment at the Savannah Center, dining at the Nancy Lopez Legacy Country Club, the Glen View Country Club, and situated conveniently to the 441/27 corridor for major shopping, restaurants and medical facilities. So, what are you waiting for… schedule your private home tour today so you can enjoy The Villages lifestyle soon!

8305 Se 168th Mardell Lane, The Villages
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