Garden City Homes under $400,000

Garden City Homes under $400,000

Welcome to Garden City, a charming subdivision nestled in the heart of Jacksonville, Florida. Known for its picturesque landscapes and friendly atmosphere, Garden City offers a delightful blend of suburban tranquility and urban convenience. This vibrant community is situated in Duval County, making it an ideal location for families, young professionals, and retirees alike.

One of the standout features of Garden City is its diverse selection of homes, particularly those priced under $400,000. This makes it an attractive option for first-time homebuyers or anyone looking to invest in a property without breaking the bank. The homes in this subdivision boast a variety of architectural styles, from cozy single-family residences to modern townhouses, ensuring there’s something for everyone.

Residents of Garden City enjoy easy access to a wealth of amenities, including parks, shopping centers, and dining options. The neighborhood is also conveniently located near major highways, making commuting to downtown Jacksonville or other parts of the city a breeze. Families will appreciate the proximity to reputable schools, while outdoor enthusiasts can take advantage of nearby recreational areas and nature trails.

In Garden City, you’ll find a welcoming community that values connection and camaraderie. Whether you’re hosting a barbecue in your backyard or enjoying a stroll through the tree-lined streets, the sense of belonging is palpable. Discover your dream home in Garden City today, where affordable living meets the charm of Jacksonville!

Newest Garden City Homes under $400,000

3085 Armstrong Street, Jacksonville
$224,900
3 Beds ⋅ 2 Baths ⋅ 2162171 MLS
Welcome to this single-story residence built in 2021, offering 1,247 square feet of low-maintenance living space. Featuring an open-concept floor plan, this move-in ready 3-bedroom, 2-bathroom home features durable vinyl flooring throughout. Sunlight gently filters through the bedrooms, highlighting soft, updated finishes, while the main living area flows effortlessly into a welcoming kitchen complete with ample storage and a separate laundry space with full connections. Retreat to the primary suite with an en-suite bath, while two additional bedrooms offer versatility for guests or a home office. Exterior highlights include an attached 1-car garage and a generous yard on a 5,375 sq ft lot with no HOA or CDD fees. Conveniently situated near major highways, schools, shopping, and Jacksonville International Airport. Some photos contain virtual staging to illustrate potential layout options.

3085 Armstrong Street, Jacksonville
2970 Harbison Street, Jacksonville
$229,999
3 Beds ⋅ 3 Baths ⋅ 2160579 MLS
A promotional interest rate as low as 3.75% may be available to qualified buyers! Subject to lender approval; terms apply. Brand-new 2026 construction with quick move-in available! Enjoy the benefits of a new home with no HOA and no CDD fees. This two-story home offers a functional layout with all bedrooms located upstairs, including the spacious owner's suite, providing added privacy from the main living areas. Downstairs, the open floor plan creates a comfortable space for everyday living and entertaining. The kitchen comes complete with stainless steel appliances and opens to the backyard through a sliding glass door, bringing in plenty of natural light. A convenient half bath is also located on the first floor for guests. Whether you're a first-time homebuyer, looking to downsize, or simply searching for a low-maintenance home, this property offers modern finishes, energy-efficient construction, and move-in-ready convenience. Ideally located near major highways, shopping, dining, Downtown Jacksonville, and Jacksonville International Airport.

2970 Harbison Street, Jacksonville
11611 Raft Road, Jacksonville
$234,999
3 Beds ⋅ 3 Baths ⋅ 2160310 MLS
Now offering rate incentives and closing cost assistance with preferred lender, inquire within! Affordable new construction packed with upgrades!!! This 3-bedroom, 2.5 bath home features a garage, no HOA. Enjoy a bright, open floor plan with taller ceilings, abundant natural light, luxury vinyl plank flooring, white shaker cabinets, quartz countertops, stainless steel appliances, and a spacious kitchen island perfect for entertaining.Refrigerator included! Ideal for first-time buyers, savvy investors, or anyone seeking modern, affordable homes. Prime location near I-95, Jacksonville Zoo, top dining, River City Marketplace, Town Center, and just 20 miles to Jacksonville Beach. Close to Kings Bay, NAS Jax,JAX Airport, and major distribution hubs. Call today for open house tours. Not the perfect one? We have more! Ask about down payment assistance and fully fenced backyard options available and more!

11611 Raft Road, Jacksonville
2959 Frances Avenue, Jacksonville
$134,900
2 Beds ⋅ 2 Baths ⋅ 2154208 MLS
**NEWER BUILD**NEW HVAC**NEW ELECTRIC** Welcome to this immaculate, 2022 build situated on a HUGE CORNER LOT with NO HOA OR CDD. This 2 bed/2 bath home features an open layout with a SPLIT BEDROOM FLOOR PLAN and has NEVER BEEN LIVED IN. Inside, you will find vinyl flooring throughout - no carpet! The kitchen features a food prep island, elegant wooden cabinetry, a breakfast bar, and NEW STAINLESS STEEL APPLIANCES. The primary bathroom offers a double vanity and a HUGE walk in closet. Built for peace of mind, the property features a new HVAC, electric, plumbing, WELL PUMP and more, alongside indoor laundry and all new skirting. Enjoy the outdoors on your NEW FRONT DECK and NEW BACK DECK. Conveniently located close to Baptist North, shopping, restaurants and more, this move-in ready gem blends comfort and convenience perfectly!

2959 Frances Avenue, Jacksonville
3310 Duane Avenue, Jacksonville
$190,000
3 Beds ⋅ 1 Baths ⋅ 2151714 MLS
Welcome to 3310 Duane Avenue! This charming 3-bedroom, 1-bath home is the perfect opportunity for a first-time homebuyer, investor, or anyone looking for an affordable place to call home! Thoughtfully updated throughout, the home features a new HVAC system, water heater, refrigerator, microwave, oven, and dishwasher, offering peace of mind and convenience. Inside, you'll find updated hardwood flooring along with a beautifully remodeled kitchen and bathroom that blend style and functionality. With its move-in-ready condition, this home provides comfortable living while leaving room to make it your own. Ask about the assumable 4.5% VA Loan!

3310 Duane Avenue, Jacksonville
3229 Pine Avenue, Jacksonville
$239,900
3 Beds ⋅ 3 Baths ⋅ 2151350 MLS
Adorable new 3-bedroom, 2.5 bath home just completed, conveniently located near shopping, schools. Open concept floor plan. Wood look vinyl planks in living areas, carpet in bedrooms. White cabinets, Granite counters. Stainless steel appliance package included (26cf side by side fridge w/ ice & water, self-cleaning glass top range, dishwasher and OTR microwave. RANGE & FRIDGE GO IN ABOUT A WEEK BEFORE CLOSING). Home comes with 1yr builder warranty and termite bond. **This home has a high performance engineered septic system which will have yearly maintenance agreement and fee. ***Well was done by a licensed & experienced well driller who pulled the proper well permits; builder is not responsible for any odor or taste of water that may or may not be present. If any ac or well cages are present, they do not stay (RANGE & FRIDGE GO IN ABOUT A WEEK BEFORE CLOSING) Well was done by a licensed & experienced well driller who pulled the proper well permits; builder is not responsible for any odor or taste of water that may or may not be present. SEPTIC SYSTEM REQUIRES YEARLY MAINTENANCE AGREEMENT & FEE REQUIRED BY CITY. Staging photos are an example, colors, finishes, fixtures may vary.

3229 Pine Avenue, Jacksonville
3199 Echo Street, Jacksonville
$299,900
4 Beds ⋅ 2 Baths ⋅ 2148189 MLS
Welcome to brand-new construction with zero HOA or CDD fees holding you back! From the moment you step inside, this modern 4-bedroom home feels open, bright, and easy to live in. The kitchen is an absolute showstopper--think white shaker cabinets, granite countertops, stainless steel appliances, and a huge island made for entertaining. You'll love kicking back in the cozy living room by the electric fireplace, and the durable vinyl plank floors keep life hassle-free. The owner's suite features a sleek tiled walk-in shower, and that 4th bedroom easily flexes as an office or gym. Wrapped up with a 2-car garage and a super convenient location near the airport, shopping, and dining, this move-in-ready home is ready when you are.

3199 Echo Street, Jacksonville
3218 Echo Street, Jacksonville
$240,000
3 Beds ⋅ 2 Baths ⋅ 2143372 MLS
Well-located in the Biscayne/Turtle Creek area of North Jacksonville, this 3-bedroom, 2-bathroom, home offers convenient access to I-95 and I-295, making commuting across the First Coast simple. The surrounding area features a residential neighborhood setting with nearby shopping, dining, parks, and schools, plus quick access to major Northside destinations.

3218 Echo Street, Jacksonville
2985 Snell Street, Jacksonville
$229,999
3 Beds ⋅ 3 Baths ⋅ 2142152 MLS
Seller offers up to $14,000 toward buyer closing costs or an interest-rate buydown, subject to lender approval. Brand-new 2026 construction with a quick move-in opportunity. Enjoy the peace of mind that comes with owning a new home featuring modern finishes, energy efficiency, and low-maintenance living. The open-concept main floor offers a comfortable flow between the living, dining, and kitchen areas, making it ideal for everyday living and entertaining. The kitchen is equipped with stainless steel appliances, modern cabinetry, and contemporary finishes. A sliding glass door fills the space with natural light and provides easy access to the backyard. Upstairs, the bedrooms are thoughtfully situated to provide privacy and a functional layout. With NO HOA and NO CDD fees, you'll enjoy added flexibility and lower monthly expenses. Conveniently located near I-95, I-295, shopping, dining, and Jacksonville International Airport, this home is an excellent option for first-time buyers, those looking to downsize, or anyone seeking a move-in-ready home with the benefits of new construction.

2985 Snell Street, Jacksonville
6882 Barney Road, Jacksonville
$329,888
4 Beds ⋅ 2 Baths ⋅ 2129175 MLS
NEW CONSTRUCTION on a generously sized lot! Move in ready in less than 30 days! NO HOA -- bring your boat, RV, and all your toys! Don't miss this opportunity in a growing area. This thoughtfully designed open floor plan offers approx. 2,000 sq ft with 4 bedrooms, 2 full baths, and an oversized 2-car garage -- all packed with upgrades at an exceptional value. Enjoy luxury vinyl plank flooring throughout -- NO CARPET! The gourmet kitchen showcases white shaker cabinetry with crown molding, stainless steel appliances, granite countertops, a large center island, and abundant cabinet space. The spacious primary suite features tray ceilings, a large walk-in closet, and a spa-inspired bath with dual vanities, separate sinks, and a floor-to-ceiling tiled walk-in shower. Popular split-bedroom layout with convenient dual access to the laundry room and more. Includes 1-year workmanship warranty and 10-year structural warranty. Schedule your showing today!

6882 Barney Road, Jacksonville
11558 Raft Road, Jacksonville
$240,000
5 Beds ⋅ 3 Baths ⋅ 2116207 MLS
This property offers a rare opportunity with two separate homes on one lot, perfect for an investor or an owner looking to live in one unit and rent out the other. The two-story home features separate entrances for each floor, providing great flexibility for tenants or extended family. The first floor includes one bedroom, a full bathroom, a comfortable living area, a kitchen, and a dedicated laundry room. The second floor mirrors this layout with one bedroom, a full bath, a living area, and a kitchen minus the laundry room. Both levels are well-maintained and move-in ready. The single-story home offers a warm and spacious layout with three bedrooms, one bathroom, a generous common area, a kitchen with a dining space, and an enclosed mudroom. While it could use a few cosmetic updates, it has strong bones and great potential. The roof was replaced in 2022, providing peace of mind for years to come. Located in an up-and-coming neighborhood, this property is surrounded by growth and revitalization. New homes are being built right across the street, as well as along Harbison Street and Jennings Road, continuing all the way to Lem Turner. Whether you're looking to generate rental income, create a multi-generational living setup, or hold a property in a rapidly improving area, this one checks all the boxes. It's a versatile, income-producing opportunity that's ready for its next chapter.

11558 Raft Road, Jacksonville
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