Palm Coast Homes under $400,000

Palm Coast Homes under $400,000

Welcome to Palm Coast, Florida, a hidden gem nestled in the heart of Flagler County! Known for its stunning coastal landscapes and vibrant community, Palm Coast is the perfect blend of serene living and modern convenience. This charming city boasts an array of outdoor activities, from pristine beaches to picturesque parks, making it an ideal destination for families, retirees, and anyone seeking a laid-back lifestyle.

One of the most appealing aspects of Palm Coast is its diverse real estate market, especially for those looking for homes under $400,000. Here, you can find a variety of properties that cater to different tastes and preferences, whether you're searching for a cozy single-family home or a modern townhouse. These affordable options provide ample space for relaxation and entertainment, ensuring that you can enjoy all the comforts of home without breaking the bank.

Living in Palm Coast means embracing a lifestyle filled with sunshine, outdoor adventures, and a strong sense of community. With easy access to beautiful beaches, golf courses, and nature trails, residents can enjoy an active lifestyle year-round. Plus, the city's proximity to larger urban centers like St. Augustine and Daytona Beach offers the perfect balance of tranquility and access to vibrant city life.

Explore the charm of Palm Coast and discover your dream home today! With a variety of affordable options available, you can enjoy the Florida lifestyle you've always wanted without compromising on quality or comfort. Welcome home to Palm Coast, where your next adventure awaits!

Newest Palm Coast Homes under $400,000

17 Birchwood Place, Palm Coast
$375,000
4 Beds ⋅ 3 Baths ⋅ FC321458 MLS
Two living spaces. One 2025-built home. A floor plan designed to give everyone room to live! The difference is in the layout. A private in-law suite with its own bedroom, full bathroom and living/kitchenette area gives extended family, guests or a live-in loved one a space of their own, while keeping the main home comfortable and functional for everyday living. In the main home, an open-concept design brings the kitchen, dining and living areas together, with quartz countertops, bright cabinetry, stainless steel appliances and a large island creating a clean, modern centerpiece. The split-bedroom layout adds privacy, while the additional living space can adapt to whatever your household needs—home office, playroom, media room or second gathering space. The primary suite offers a private retreat with its own bath and generous closet space. Set on a cul-de-sac with no HOA, this home combines the benefits of newer construction with a floor plan built around flexibility, privacy and room to accommodate what matter most! If you’ve been searching for a home that can give everyone their own space without putting everyone in separate homes, you just found it. Come see it for yourself.

17 Birchwood Place, Palm Coast
13 Princeton Lane, Palm Coast
$365,900
4 Beds ⋅ 3 Baths ⋅ FC321291 MLS
HUGE PRICE DECREASE!! HOME IS 100% COMPLETE AND CAN CLOSE IN 30 DAYS OR LESS! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Welcome to our 2265 is a single-story, 2,265-square-foot residence that feels both expansive and thoughtfully intimate—a modern Florida-inspired home designed for easy living, gracious entertaining, and private retreat. Step through the front door and you enter a grand, light-filled foyer that sets an elegant tone. On either side, a formal living room and formal dining space create a welcoming first impression, ideal for greeting guests or enjoying quieter conversations. Beyond this formal zone, the home opens into a seamless, open-concept living area where the family room, dining space, and kitchen flow together in one bright, airy expanse. Natural light pours in, highlighting the clean lines and the sense of spaciousness that makes everyday life feel effortless. The kitchen is a true chef’s centerpiece—modern appliances, generous counter space, a convenient pantry, and a sunny breakfast nook that invites lingering over morning coffee or casual family meals. It overlooks the covered lanai, blurring the boundary between indoor comfort and outdoor Florida living. Tile flooring throughout the main living areas adds a cool, polished elegance, while carpeted bedrooms bring warmth and softness underfoot. The owner’s suite is a private sanctuary, thoughtfully positioned away from the secondary bedrooms for maximum privacy. It features a spacious layout, dual walk-in closets (his-and-hers in many versions), and a luxurious ensuite bathroom with double vanities, a walk-in shower, and a relaxing garden tub—perfect for unwinding at the end of the day. Direct access to the covered lanai from both the primary suite and a guest bath makes outdoor living especially convenient, whether you’re enjoying quiet mornings or planning for a future pool. Three additional well-sized bedrooms provide flexible space for family, overnight guests, a home office, or a den/flex room. One of the full bathrooms often serves as a convenient “pool bath” with direct lanai access, keeping wet feet and sandy towels out of the main living areas. An attached two-car garage offers practical storage and parking. Outside, the home’s elevations—full brick—give it curb appeal that feels substantial and timeless. The covered lanai becomes an extension of the living space, ideal for shaded afternoons, evening gatherings, or simply soaking in the Florida sunshine. In short, our 2265 balances formality and openness, privacy and connection, everyday function and everyday beauty. It is a home that feels welcoming the moment you arrive and continues to reveal thoughtful details that make it a true pleasure to live in. (Pictures may not be of actual home)

13 Princeton Lane, Palm Coast
129 Pritchard Drive, Palm Coast
$340,900
3 Beds ⋅ 2 Baths ⋅ FC319964 MLS
Under Construction. HUGE PRICE DECREASE!! This home is under construction. $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Our 1780 floor plan is a beautifully designed single-story home offering approximately 1,780 square feet of thoughtfully planned living space. Featuring three spacious bedrooms, two elegant bathrooms, and a two-car garage, this home blends comfort, functionality, and modern style. From the moment you enter, you're welcomed with an open flex space and by an inviting foyer that flows effortlessly into a bright, open-concept living area. The gourmet-inspired kitchen overlooks the dining and family rooms, creating a warm and welcoming atmosphere that's perfect for entertaining guests or enjoying everyday family life. A generous kitchen island, abundant cabinetry, and a practical layout make meal preparation both convenient and enjoyable. The private owner's suite is a relaxing retreat, featuring a spacious walk-in closet and a luxurious ensuite bath designed for comfort. Two additional bedrooms are thoughtfully positioned to provide privacy and flexibility for family members, guests, or a home office. Outside there is a spacious lanai that's perfect for family barbeques and get togethers. With its smart layout, airy design, abundant natural light, and timeless appeal, our 1780 floor plan offers the perfect balance of elegance and everyday practicality, making it an exceptional choice for a wide variety of homeowners. Come and take a look today and make this your beautiful, brand-new home! Pictures may not be of actual home

129 Pritchard Drive, Palm Coast
80 Roxboro, Palm Coast
$274,900
3 Beds ⋅ 2 Baths ⋅ V4949645 MLS
Welcome to this beautifully maintained Florida ranch home offering the perfect blend of comfort, privacy, and convenience. Built in 2005 and lovingly cared for, this move-in-ready residence features: 3 bedrooms and 2 bathrooms in a desirable split-bedroom floor plan that provides added privacy for family members and guests alike. The heart of the home offers comfortable living and dining spaces that flow seamlessly into the kitchen. The primary suite is thoughtfully positioned away from the guest bedrooms and includes a private bathroom and generous closet space. A two-car garage provides ample room for vehicles, storage, and hobbies. Step outside and enjoy your morning coffee or evening relaxation from the screened patio overlooking the peaceful backyard setting. Adding to the appeal, the property backs up to a canal, providing additional privacy and a tranquil natural backdrop rarely found at this price point. Major updates include a 2021 HVAC system and a 2020 water heater, giving buyers confidence in some of the home's most important mechanical components. The roof remains original and is being offered as-is. Located in a quiet residential neighborhood, this home offers the relaxed lifestyle Palm Coast is known for. Residents enjoy easy access to shopping, restaurants, medical facilities, parks, walking and biking trails, golf courses, and numerous outdoor recreation opportunities. Palm Coast's extensive trail system and beautiful natural preserves make it one of Northeast Florida's most desirable places to live. For beach lovers, the stunning Atlantic Ocean shoreline is only about 15-20 minutes away, allowing you to enjoy sunrises, fishing, boating, surfing, and miles of uncrowded beaches whenever the mood strikes. Convenient access to Interstate 95 also places historic St. Augustine, Daytona Beach, and Jacksonville within easy reach. Whether you're searching for a primary residence, seasonal retreat, or investment opportunity, this well-kept home delivers comfort, value, and the laid-back Florida lifestyle you've been dreaming of.

80 Roxboro, Palm Coast
23 Ramrock Lane, Palm Coast
$305,000
3 Beds ⋅ 2 Baths ⋅ FC318090 MLS
Under Construction. HUGE PRICE REDUCTION!! ALMOST 100% COMPLETE!! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Our 1540 floor plan is a symphony of modern elegance and effortless living, crafted for families who crave openness without sacrificing intimacy. Spanning 1,540 square feet of thoughtfully designed space, it unfolds like a welcoming embrace, blending sunlit expanses with cozy retreats. At its heart lies a grand great room, where the kitchen, dining, and living areas dance in harmonious flow. Vaulted ceilings soar overhead, drawing the eye upward and flooding the space with natural light through expansive windows. The kitchen shines as the star—a sleek island anchors meal prep and casual gatherings, flanked by glossy cabinetry and stainless appliances that whisper efficiency and style. Adjacent is the dining nook glows with warmth, perfect for lingering over shared stories. Tucked away for privacy, the owner's suite is a serene sanctuary: a spacious bedroom with room for a king-sized haven, opening to a spa-like bath featuring dual vanities and a generous walk-in closet that keeps life organized and indulgent. Two additional bedrooms flank a full bath, each a bright haven for rest or play, while a versatile flex space near the entry hints at home office vibes or a quiet reading nook. Outside, a patio extends the magic, blurring indoor and outdoor realms for al fresco evenings under the stars. With its smart layout, flexible nooks, and timeless appeal, the 1540 isn't just a home—it's a canvas for memories, where every corner invites joy and connection. As always, we feature all-brick exteriors, energy-efficient components, and pest-defense systems. $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Come and take a look today and make this your beautiful, brand-new home! (pictures may not be of actual home)

23 Ramrock Lane, Palm Coast
39 Riverina Drive, Palm Coast
$299,900
3 Beds ⋅ 2 Baths ⋅ FC317720 MLS
THIS HOME IS MOVE IN READY!! PRICE IMPROVEMENT!!! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Imagine stepping into a spacious 1,368-square-foot sanctuary designed for modern living, where every corner whispers comfort and effortless style. The 1368 floor plan is a charming 3-bedroom, 2-bathroom single-story gem, perfectly crafted for growing families, first-time homeowners, or those seeking a serene retreat without the fuss of stairs. With its open-concept heart and thoughtful layout, it transforms everyday moments into something truly special—like mornings bathed in natural light or evenings filled with laughter around the dinner table. The Welcoming Entry & Open Living Core As you cross the threshold, a foyer invites you in with open arms, flowing seamlessly into the heart of the home: a luminous great room. Here, soaring ceilings and expansive windows frame breathtaking views, flooding the space with sunlight that dances across plush flooring. The kitchen steals the show—a chef's dream with its large island peninsula, stainless steel appliances, and abundant shaker-style cabinetry. Picture whipping up family favorites while chatting with loved ones gathered nearby; the adjacent dining area accommodates intimate meals or lively gatherings, all under recessed lighting that adds a touch of sophistication. Private Retreats & Everyday Bliss Tucked away for tranquility, the master suite is your personal oasis. It boasts a generous bedroom with space for a king-sized bed, plus a spa-like en-suite bathroom featuring a walk-in shower and dual vanities. Two additional bedrooms flank a full guest bath, offering flexibility for children, guests, or a home office—each with ample closet space and proximity to the living areas for easy connection. A convenient laundry room and 2-car garage round out the practical magic, with indoor utility access that keeps mud and mess at bay. Energy-efficient features like spray foam insulation and low-E windows ensure year-round comfort. Why It Captivates This floor plan isn't just a house; it's a canvas for your story, blending affordability with timeless appeal. Ideal for Florida's sunny climates the 1368 embodies "right-sized luxury"—compact yet expansive, efficient yet indulgent. It's where memories are built, one beautifully designed square foot at a time. As always, we feature all-brick exteriors, energy-efficient components, and pest-defense systems. $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Come and take a look today and make this your beautiful, brand-new home!

39 Riverina Drive, Palm Coast
53 Sleepy Hollow Trail, Palm Coast
$315,000
3 Beds ⋅ 2 Baths ⋅ FC317718 MLS
THIS HOME IS MOVE IN READY!! HUGE PRICE IMPROVEMENT!!! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs, saving thousands of dollars at the closing table. Our 1540 floor plan is a symphony of modern elegance and effortless living, crafted for families who crave openness without sacrificing intimacy. Spanning 1,540 square feet of thoughtfully designed space, it unfolds like a welcoming embrace, blending sunlit expanses with cozy retreats. At its heart lies a grand great room, where the kitchen, dining, and living areas dance in harmonious flow. Vaulted ceilings soar overhead, drawing the eye upward and flooding the space with natural light through expansive windows. The kitchen shines as the star—a sleek island anchors meal prep and casual gatherings, flanked by glossy cabinetry and stainless appliances that whisper efficiency and style. Adjacent is the dining nook glows with warmth, perfect for lingering over shared stories. Tucked away for privacy, the owner's suite is a serene sanctuary: a spacious bedroom with room for a king-sized haven, opening to a spa-like bath featuring dual vanities and a generous walk-in closet that keeps life organized and indulgent. Two additional bedrooms flank a full bath, each a bright haven for rest or play, while a versatile flex space near the entry hints at home office vibes or a quiet reading nook. Outside, a patio extends the magic, blurring indoor and outdoor realms for al fresco evenings under the stars. With its smart layout, flexible nooks, and timeless appeal, the 1540 isn't just a home—it's a canvas for memories, where every corner invites joy and connection. As always, we feature all-brick exteriors, energy-efficient components, and pest-defense systems. Come and take a look today and make this your beautiful, brand-new home!

53 Sleepy Hollow Trail, Palm Coast
67 Riverina Drive, Palm Coast
$350,000
4 Beds ⋅ 2 Baths ⋅ FC317537 MLS
$1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs, saving thousands of dollars at the closing table! READY TO MOVE IN!! $10,000 IN FLEX CASH!! Welcome to our 1755 floor plan home featuring 4-bedrooms and 2-bathrooms, designed to feel open, functional, and family-friendly. The plan has 1,755 sq ft and is one of our most popular layouts thanks to its balance of privacy, flow, and simplicity. The home has an Open-concept, with vaulted ceilings in the main living area, offering a feeling of openness and perfect for having friends and family over for those special events! The patio extends off the living space which is great for family bar-b-ques! The kitchen, dining area, and great room flow together as one large space, ideal for everyday living and entertaining. The kitchen also has a breakfast bar, crown molding on cabinets for that polished, finished look, Whirlpool microwave, stove, dishwasher and a garbage disposal, and Moen faucets! This home offers a split-bedroom design perfect for privacy. The primary suite sits on one side of the home, a private retreat with a walk-in closet and en-suite bathroom with double vanities and walk-in shower and with the three secondary bedrooms on the opposite side for added privacy. A second full bathroom serves these rooms. The utility/laundry room extends off the kitchen and leads into a spacious two-car garage with a large attic opening, including the stairs. Overall Feel The 1755 plan blends practical family-oriented design with modern open-concept living. It feels spacious without wasted square footage, and its layout makes it easy to entertain while still offering private retreats for everyone in the home. As always, we feature all-brick exteriors, energy-efficient components, and pest-defense systems. Come and take a look today and make this your beautiful, brand-new home!

67 Riverina Drive, Palm Coast
79 Slumber Meadow Trail, Palm Coast
$335,100
4 Beds ⋅ 2 Baths ⋅ FC317523 MLS
Under Construction. HUGE PRICE DECREASE!! PLUS FLEX CASH!! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Welcome to our 1755 floor plan home featuring 4-bedrooms and 2-bathrooms, designed to feel open, functional, and family-friendly. The plan has 1,755 sq ft and is one of our most popular layouts thanks to its balance of privacy, flow, and simplicity. The home has an Open-concept, with vaulted ceilings in the main living area, offering a feeling of openness and perfect for having friends and family over for those special events! The patio extends off the living space which is great for family bar-b-ques! The kitchen, dining area, and great room flow together as one large space, ideal for everyday living and entertaining. The kitchen also has a breakfast bar, crown molding on cabinets for that polished, finished look, Whirlpool microwave, stove, dishwasher and a garbage disposal, and Moen faucets! This home offers a split-bedroom design perfect for privacy. The primary suite sits on one side of the home, a private retreat with a walk-in closet and en-suite bathroom with double vanities and walk-in shower and with the three secondary bedrooms on the opposite side for added privacy. A second full bathroom serves these rooms. The utility/laundry room extends off the kitchen and leads into a spacious two-car garage with a large attic opening, including the stairs. Overall Feel The 1755 plan blends practical family-oriented design with modern open-concept living. It feels spacious without wasted square footage, and its layout makes it easy to entertain while still offering private retreats for everyone in the home. As always, we feature all-brick exteriors, energy-efficient components, and pest-defense systems. $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs. Saving thousands of dollars at the closing table. Come and take a look today and make this your beautiful, brand-new home! (pictures may not be of actual home)

79 Slumber Meadow Trail, Palm Coast
47 Brunswick Lane, Palm Coast
$310,000
3 Beds ⋅ 2 Baths ⋅ FC315830 MLS
HOME IS 100% COMPLETE!! READY TO MOVE IN!! PRICE IMPROVEMENT!!! $1,000 escrow deposit and when using one of our lender partners, we will pay a portion of closing costs, saving thousands of dollars Welcome home to our 1505 floor plan! This 3-bed, 2-bath, single-story layout is built around an open-concept living area and a private primary suite—an efficient, family-friendly design that fits well with Palm Coast’s suburban lifestyle. It emphasizes flow, simplicity, and affordability! The kitchen, dining, and living spaces flow together for a bright, connected feel, ideal for entertaining or keeping an eye on kids while cooking. Walking in, you notice high ceilings, crown molding on the kitchen cabinets, stainless steel microwave, dishwasher and stove! The primary has its own private bath and a large walk-in closet. At the back of the home a door leads out to the huge, covered lanai! This is perfect for get togethers with family and friends for birthdays and BBQs! Or just relax after a long day at work and enjoy your private backyard and beautiful trees! This plan is designed for people who want a manageable footprint without sacrificing comfort or modern layout features. As always, we feature all-brick exteriors, energy-efficient components, and pest-defense systems. Come and take a look today and make this your beautiful, brand-new home!

47 Brunswick Lane, Palm Coast
Start Your Search