Ocala Waterway Estate Homes under $400,000

Ocala Waterway Estate Homes under $400,000

Welcome to Ocala Waterway Estates, a hidden gem nestled in the heart of Marion County, Florida. Known for its serene landscapes and vibrant community, this charming subdivision offers a unique blend of tranquility and accessibility, making it an ideal place for families, retirees, and everyone in between.

One of the standout features of Ocala Waterway Estates is its impressive selection of homes priced under $400,000. Here, you’ll find a diverse array of properties, from cozy single-family homes to spacious multi-bedroom residences, all designed with comfort and style in mind. These affordable options make it an attractive choice for first-time homebuyers and those looking to downsize without compromising on quality or space.

The community is surrounded by the natural beauty of Florida’s lush greenery and scenic waterways, providing ample opportunities for outdoor recreation. Enjoy fishing, kayaking, or simply taking a leisurely stroll along the picturesque trails that wind through the area. With its proximity to Ocala’s vibrant downtown, residents can easily access a variety of shopping, dining, and entertainment options, ensuring that everything you need is just a short drive away.

In Ocala Waterway Estates, you’ll not only find a beautiful home but also a welcoming community where neighbors become friends. If you’re seeking an affordable yet fulfilling lifestyle in Florida, look no further than this delightful subdivision. Come explore the possibilities and discover why so many choose to call Ocala Waterway Estates their home!

Newest Ocala Waterway Estate Homes under $400,000

10565 Sw 38th Avenue, Ocala
$360,000
3 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Enjoy a refreshing swim, a tree-lined backdrop, and room to unwind at this beautifully updated Ocala Waterway pool home. Set on a .92-acre lot with mature trees providing added privacy, this well-maintained property offers 3 bedrooms, 2 bathrooms, a 2-car garage, and inviting outdoor living centered around a screen-enclosed pool. An electric awning provides adjustable shade for relaxing poolside. Thoughtful improvements include a roof replaced in 2022, a complete air conditioning system replaced in 2026, double-pane windows, a steel front door, and a whole-house water system updated in 2026. Luxury vinyl flooring runs throughout the home, while the paid-off solar pool heating system adds to the enjoyment of your outdoor retreat. The eat-in kitchen combines everyday functionality with attractive finishes, including 42-inch solid wood cabinets, level 4 granite countertops, an island, stainless steel appliances, a tile backsplash, and a dedicated coffee station. The updated primary bathroom features modern cabinetry, dual sinks, and a walk-in shower with tile extending to the ceiling. An updated guest bathroom is conveniently positioned between the two additional bedrooms. An installed security system and included W/D. Located in southwest Ocala, the home offers a setting for enjoying Florida’s outdoor lifestyle, with regional recreation destinations including the Marjorie Harris Carr Cross Florida Greenway and Shangri-La Trailhead. Discover the appeal of poolside living with, mature landscaping, and nearly an acre to call your own. No HOA, No CDD.

10565 Sw 38th Avenue, Ocala
4252 Sw 102nd Place, Ocala
$220,000
3 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Welcome to Ocala Waterway Estates! Tucked away on a quiet cul-de-sac, this 3-bedroom, 2-bath home offers 1,858 square feet of living space, a desirable split-bedroom floor plan, and plenty of potential to make it your own. The spacious layout provides comfortable living areas with room to add your personal touches and updates. Step outside to the screened lanai overlooking a private, fully fenced backyard, perfect for relaxing, entertaining, or simply enjoying Florida’s beautiful weather. Situated in an established neighborhood with no HOA, this property offers the freedom and flexibility so many buyers are looking for. Conveniently located near shopping, dining, schools, and everyday amenities, with easy access to everything Ocala has to offer. Whether you’re looking for your next home or an investment opportunity, this property is full of possibilities. Bring your vision and discover the potential! Property is being sold AS-IS.

4252 Sw 102nd Place, Ocala
4291 Sw 110th Lane, Ocala
$370,000
4 Beds ⋅ 3 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Beautiful two-story home located in a peaceful, family-oriented neighborhood. This spacious home features 4 bedrooms, 2.5 bathrooms, and an additional bonus room, providing plenty of flexible living space for a growing family, home office, or playroom. The large, spacious kitchen offers ample room for cooking and gathering, while the open-concept living area creates a warm and inviting atmosphere. A large Florida room provides the perfect space for entertaining family and friends year-round. Situated on a generous 0.62-acre lot, this property offers plenty of outdoor space to enjoy. Conveniently located very close to Liberty Middle School and just minutes from Hammett Bowen Elementary School, this home combines comfort, space, and an ideal location for families seeking the best of both convenience and community.

4291 Sw 110th Lane, Ocala
4551 Sw 103rd Place, Ocala
$319,900
3 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Come check out this large 3or 4 bedroom, 2 bath home on roughly a half acre located in southwest Ocala. huge living room, formal dining room, breakfast nook, breakfast bar, split bedroom, open floor plan large screen room out back, covered patio out front

4551 Sw 103rd Place, Ocala
4180 Sw 103rd Street Road, Ocala
$380,000
4 Beds ⋅ 3 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Welcome to this beautifully maintained 4-bedroom, 3-bath home in the desirable Waterway Estates community of Southwest Ocala. Offering 2,229 heated square feet and 2,691 total square feet, this spacious residence features an open and inviting floor plan designed for comfortable living and entertaining. Enjoy a large family room with elegant tray ceilings, recessed lighting, and updated luxury vinyl plank flooring. The kitchen opens seamlessly to the dining and living areas and features stainless steel appliances, white cabinetry, and a convenient breakfast bar. Architectural details including arched openings and a welcoming foyer enhance the home’s character and charm. Situated on a fully fenced .46-acre lot, the property also offers a two-car garage, central heating and air conditioning, and attic fans throughout for added comfort and efficiency. Conveniently located in beautiful Southwest Ocala near shopping, dining, parks, and schools, this move-in-ready home provides the perfect combination of space, style, and functionality.

4180 Sw 103rd Street Road, Ocala
10151 Sw 41st Terrace, Ocala
$339,000
3 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Bring your vision! This well-cared-for 3 bedroom, 2 bath concrete block and stucco home has 2,055 sq ft of living space and the big-ticket items already done. It has a new roof (2024) and a brand-new 4-ton heat pump A/C system (2026), so you can put your budget into finishes and design. There's room for everyone, with both a living room and a separate family room, plus a small office that works well for remote work, a hobby space or a reading nook. You also get three screened porches plus a back porch for relaxing or entertaining. The 2-car garage gives you plenty of storage, and the 12x16 detached storage building is ideal for a workshop, hobbies or yard equipment. The backyard is fenced with vinyl, and the concrete driveway has room for extra parking. The structure is solid, the bones are good, and it's ready for your personal touch. Bring your ideas and make this one your own!

10151 Sw 41st Terrace, Ocala
4347 Sw 112th Lane, Ocala
$399,900
4 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Completed in February 2026 and lightly lived in, this move-in-ready Heron model in Southwest Ocala offers the benefits of new construction with valuable upgrades already completed. Situated on a spacious 0.62-acre homesite, the property features four bedrooms, two full bathrooms and a thoughtfully designed open-concept floor plan.The modern kitchen features a large center island, walk-in pantry and under-sink reverse-osmosis drinking-water system. It flows seamlessly into the dining and family areas, creating an inviting space for everyday living and entertaining. The private primary suite offers a spacious walk-in closet custom designed by Closets by Design and a beautifully appointed en-suite bathroom. A second closet has also been professionally customized to maximize storage and organization. Additional features include a whole-house water-filtration system, dedicated laundry room, covered lanai, ample storage and a spacious three-car garage. The versatile fourth bedroom is ideal for a home office, guest room, hobby space or creative studio. Furnishings may also be purchased separately. Conveniently located near Southwest Ocala shopping, restaurants, medical facilities, schools, parks and major roadways, this nearly new home combines modern style, functionality and privacy on over half an acre. Schedule your private showing today!

4347 Sw 112th Lane, Ocala
10952 Sw 45th Avenue, Ocala
$190,000
4 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Short Sale. SHORT SALE!! SHORT SALE!! Seller accepting CASH and Conventional financing ONLY!! Bankruptcy short sale will take about 120 days to get response on offer from lien holders. Needs TLC. Located in desirable SW Ocala, this concrete block/stucco home features 2051 living square feet, 2 car garage, interior laundry room, kitchen, living room, dining room, 4 bedrooms, 2 bathrooms and a covered back patio all close to schools, parks, shopping and much more.

10952 Sw 45th Avenue, Ocala
3960 Sw 110th Lane, Ocala
$399,000
4 Beds ⋅ 3 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
This spacious and versatile 4-bedroom, 3-bathroom residence offering 2,220 square feet of comfortable living space on an oversized 0.62-acre lot with NO HOA in the desirable Marion Oaks community. Perfectly positioned with convenient access to Ocala, this property combines generous indoor living with plenty of outdoor space to enjoy. From the moment you step inside, you'll appreciate the bright, open floor plan accented by soaring ceilings, elegant arched openings, and an abundance of natural light. The spacious living room flows effortlessly into the kitchen, creating an inviting space for everyday living and entertaining alike. Just off the main living area, a dedicated office with French doors provides the perfect setup for working from home, a playroom, or an additional flex space. Upstairs, an expansive loft offers endless possibilities as a second living room, media room, game room, or flex retreat. The oversized primary suite serves as a relaxing escape featuring vaulted ceilings, a spacious walk-in closet, dual vanities, a garden soaking tub, and a separate walk-in shower. Three additional bedrooms and two more full bathrooms provide comfortable accommodations for family and guests. Step outside to enjoy Florida living at its finest from the oversized screened lanai overlooking the expansive backyard. Sitting on over half an acre, the property provides exceptional outdoor space with added privacy and endless opportunities for gardening, recreation, entertaining, or even adding your dream pool. Whether you're searching for extra space to grow, room to entertain, or simply the freedom of a large homesite without HOA restrictions, this Marion Oaks property offers the flexibility, functionality, and location to fit a wide variety of lifestyles. Conveniently located just minutes from shopping, dining, medical facilities, and everything Ocala has to offer, this home is ready for its next chapter.

3960 Sw 110th Lane, Ocala
4714 Sw 114th Place, Ocala
$375,000
3 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
This fabulous Custom-built has a lot to offer located in the sought-after community of Ocala Waterway, an all-age community with no homeowner’s association (HOA). The property sits on .62 acres with a grand circular driveway for ample parking. Its prime location offers convenient access to Hwy 200 through the SW 49th Ave expansion for shopping, restaurants, hospitals and strip malls. The home was built with enduring quality boasting over 2300 sf living space, an elegant and spacious floor plan that includes three bedrooms, two full baths and a guest bath, a formal living and dining areas ideal for those formal gatherings, an office/den, an expansive kitchen with breakfast bar, quartz countertops, wood cabinetry and equipped with gas stove and stainless steel appliances, a two car garage. The spacious primary suit is bright and inviting, offering generous closet space. The primary bathroom features a jacuzzi tub and a walk-in shower providing a relaxing retreat. Additional features include beautiful porcelain tile floors in the common areas and luxury vinyl planks in the bedrooms, adding easy maintenance and durability. Security cameras throughout the home. The expansive driveway adds great curb appeal with plenty of parking for your RV, trucks and more. This home is a must see!Some photos have been virtually staged

4714 Sw 114th Place, Ocala
4195 Sw 114th Street, Ocala
$347,000
3 Beds ⋅ 2 Baths ⋅ Ocala Waterway Estate SubDv. ⋅ 34476 Zip Code
Beautiful 3 Bedroom, 2 Bathroom home with 2-Car Garage on a spacious 0.66-acre lot. This well-maintained property features a welcoming family room at the entrance, leading to a dedicated dining area perfect for entertaining. The kitchen offers granite countertops, 36” cabinets, double sink, and stainless steel appliances including microwave and stove. A comfortable den sits just off the kitchen, ideal for relaxing or movie nights. The split floor plan provides two bedrooms and a full bathroom on one side of the home, along with the laundry room. The private master suite is located on the opposite side and includes a garden tub for unwinding. Sliding glass doors from the den open to a peaceful lanai overlooking the large backyard—plenty of room for outdoor living, activities, or future additions. Quiet setting with generous space inside and out. Move-in ready and waiting for its next owner.

4195 Sw 114th Street, Ocala
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