Palm Cay Homes under $250,000

Palm Cay Homes under $250,000

Welcome to Palm Cay, a hidden gem nestled in the heart of Ocala, Florida, within the vibrant Marion County. This charming subdivision offers a unique blend of tranquility and community spirit, making it an ideal place for families, retirees, and anyone looking to enjoy the sunny Florida lifestyle.

Palm Cay is designed with comfort and convenience in mind, featuring a variety of homes that cater to diverse lifestyles. What sets this community apart is its affordability—many beautiful homes are available for under $250,000. This makes it an attractive option for first-time homebuyers or those looking to downsize without compromising on quality.

The homes in Palm Cay are thoughtfully designed, showcasing modern amenities and spacious layouts that provide plenty of room for both relaxation and entertainment. Residents can enjoy well-maintained landscapes, inviting common areas, and a friendly neighborhood atmosphere.

Beyond the beautiful homes, Palm Cay offers a plethora of community amenities, including a clubhouse, swimming pool, and recreational facilities, ensuring that there's always something to do. The surrounding Ocala area is rich with parks, shopping, and dining options, providing residents with everything they need just a stone's throw away.

If you're searching for a vibrant community with affordable living options, look no further than Palm Cay in Ocala, FL. Here, you can create lasting memories in a welcoming environment that truly feels like home. Come and discover the charm of Palm Cay—your dream home awaits!

Newest Palm Cay Homes under $250,000

8422 Sw 107th Lane, Ocala
$149,000
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34481 Zip Code
Welcome to Palm Cay, one of Ocala's most desirable gated 55+ communities! This beautifully maintained 2-bedroom, 2-bath home offers 864 square feet of comfortable, low-maintenance living and is loaded with recent upgrades for peace of mind. Step inside to find attractive luxury vinyl plank flooring throughout the main living areas and professionally cleaned carpeting in the bedrooms. The bright and functional floor plan is perfect for year-round living or a seasonal retreat. Enjoy your morning coffee or evening relaxation on the brand-new vinyl-screened rear lanai (2025), while a long list of recent improvements ensures worry-free ownership, including a brand-new roof (2026), new A/C (2025), water heater (2024), dishwasher (2025), storm door (2025), and newer kitchen appliances. Additional updates include exterior paint (2023), a newer drain field (2021), indoor laundry with a 2024 washer and dryer, and a professional deep cleaning completed in October. Outside, the convenient carport provides covered parking, while Palm Cay residents enjoy an active lifestyle with resort-style amenities including a community pool, clubhouse, tennis courts, and shuffleboard. Ideally located near shopping, dining, healthcare facilities, and just minutes from the World Equestrian Center, this home offers the perfect blend of comfort, convenience, and community living. Move-in ready and meticulously cared for, this exceptional property is ideal for those looking to downsize without sacrificing quality. Schedule your private showing today and experience the Palm Cay lifestyle for yourself!

8422 Sw 107th Lane, Ocala
7578 Sw 112th Lane, Ocala
$222,500
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
Welcome to this spacious and beautifully updated 2-bedroom, 2-bath home offering 1,726 sq. ft. of living space under heat and air, a desirable split-bedroom floor plan, and a 2-car garage in a gated 55+ community. The inviting layout offers plenty of room to relax, entertain, and enjoy a comfortable Florida lifestyle. The generous living room flows into an open kitchen featuring ample counter space and a peninsula perfect for casual dining or gathering with friends. A separate dining area provides additional space for entertaining. The split-bedroom design offers privacy for you and your guests, it includes a primary bedroom and an en-suite bath with a double vanity on one side and a second bedroom with a guest bath on the other – ideal for visiting family, hobbies, crafting, or a home office Enjoy year-round comfort in the four-season room, featuring large Simonton tempered solar windows with Low-E glass and a mini-split system. Beyond, a shaded backyard offers a peaceful, private retreat to enjoy your morning coffee or unwind at the end of the day. Numerous recent improvements add value and peace of mind: Hurricane windows throughout (2023), Main house roof (2025), Four-season room roof (2024), Carrier HVAC system (2020), Garage side door (2024), Stove, dishwasher, and refrigerator (2025), Smoke detectors (2026), New Pergo waterproof, high-performance laminate flooring throughout (October 2026). With its generous living space, thoughtful floor plan, inviting outdoor setting, and extensive updates, this home offers a wonderful opportunity to enjoy comfortable, low-maintenance living in the desirable 55+ Palm Cay community with its modest monthly fee which includes trash service, a 24-hour manned gate, and access to community amenities. Optional RV and Boat storage may also be available for an additional fee. Conveniently located near shopping, dining, medical facilities, I-75, and the World Equestrian Center, with access to Gainesville and Orlando. Come see how comfortably this home can fit your lifestyle!

7578 Sw 112th Lane, Ocala
11140 Sw 75th Avenue, Ocala
$145,000
2 Beds ⋅ 1 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
Easy living starts here! This light, bright, and move-in ready home offers a practical, comfortable layout with all the right spaces to settle in and feel right at home. This 2 bedroom 1 bath home features an eat-in kitchen with granite countertops, vinyl plank flooring and sliding glass doors leading to a vinyl-enclosed Florida room with plenty of natural light, a nice spot for morning coffee or a hobby space. The spacious attached two car garage with double overhead doors includes built-in shelving, workbench, laundry hookups and a utility sink, offering plenty of room for storage and projects. Notable updates include a Roof (2015), HVAC heat pump (2023) and water heater (2023). Deep, open backyard is fully fenced with chain link with room to garden or relax, plus an irrigation system. Out back, you'll find a deep, fully fenced yard with plenty of space for gardening, relaxing, or enjoying the outdoors, along with an irrigation system for added convenience. Palm Cay offers a welcoming, active lifestyle with a 24-hour guarded entrance, clubhouse with daily activities, library, swimming pool, tennis and pickleball courts, and shuffleboard - all with a low HOA fee! Conveniently located along the desirable Highway 200 corridor, with easy access to shopping, dining, and everyday essentials. Schedule your private tour today!

11140 Sw 75th Avenue, Ocala
8121 Sw 107th Place, Ocala
$175,000
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34481 Zip Code
Welcome to 8121 SW 107th Place in Palm Cay, a desirable 55+ community in Ocala, Florida. This charming 2-bedroom, 2-bath home offers a comfortable, easy-to-maintain layout with a 1-car garage, bonus office space, irrigation system, gutters, and an outdoor patio. Inside, laminate flooring flows through the main living areas and bedrooms, creating a clean and cohesive look. The spacious living and dining room combination provides plenty of flexibility for everyday living and entertaining, while the additional bonus space at the rear of the home is ideal for a home office, hobby room, reading area, or additional sitting room. New Roof and Water Heater The galley-style kitchen features stainless steel appliances and an electric range, with an adjoining dinette area for casual meals. Ceramic tile provides a durable finish in the kitchen, dinette, bathrooms, and laundry room. The primary bedroom features laminate flooring, a walk-in closet, and a private ensuite bathroom with a shower. The guest bedroom also offers laminate flooring and a built-in closet, providing comfortable accommodations for visiting family and friends. Step outside to enjoy the Florida weather from the patio, while the irrigation system helps simplify lawn care. An attached 1-car garage provides additional parking and storage. Palm Cay offers an active 55+ lifestyle with community amenities that include a swimming pool, clubhouse, shuffleboard courts, and tennis court—giving residents plenty of opportunities to relax, stay active, and connect with neighbors. Conveniently located in Ocala near shopping, dining, medical services, recreation, and everyday conveniences, this Palm Cay home combines comfortable living with the amenities of an established 55+ community. Whether you're searching for a full-time residence or a low-maintenance Florida home, 8121 SW 107th Place is ready to welcome you home.

8121 Sw 107th Place, Ocala
10953 Sw 78th Court, Ocala
$168,500
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
Charming two-bedroom single family split bedroom floorplan home. Large master suite features spacious walk-in closet. Spacious, open living area leads to enclosed rear porch. Kitchen features eating area with lovely view of back yard. Cozy guest bedroom tucked into the front corner of the home giving extra privacy. This home has newer roof and water heater. Palm Cay is located close to all shopping, restaurants and medical facilities. It also offers a quiet senior living lifestyle. Great for part time and year round residents. Room sizes are an estimate based on public records, more accurate measurements to come.

10953 Sw 78th Court, Ocala
11145 Sw 79th Avenue, Ocala
$169,000
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
This property features a two-bedroom, two-bathroom layout, a one-car garage, and a private backyard with beautiful garden areas. The air conditioning was updated in 2025, and the roof was replaced in 2015. Located within a 24-hour gated 55+ community, residents have access to a variety of amenities, including planned social events, a library, billiards, a card room, an arts-and-crafts room, a community pool, and a recently resurfaced tennis court. The low management fee covers trash removal, 24-hour guarded gate access, maintenance of common areas, and use of the clubhouse facilities. Golf carts are permitted, and RV/boat storage may be available for a modest monthly fee. *One or more photos have been digitally enhanced/Virtually Staged for staging purposes.

11145 Sw 79th Avenue, Ocala
10838 Sw 78th Court, Ocala
$165,000
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
Major updates include a new roof (2026), A/C (2025), and electrical service (2022). This 2-bedroom, 2-bath home offers 1,102 sq ft plus a 20' x 24' garage, all with a comfortable, functional layout for easy living. Enjoy a bright 14' x 17' Florida room addition and a 9' x 16' lanai for outdoor relaxation. Located in Palm Cay, a gated 55+ community in Southwest Ocala, residents enjoy 24-hour guarded gate, golf cart-friendly streets, and an active lifestyle. Amenities include a clubhouse, pool, tennis court, and a variety of social activities. The monthly fee covers trash service, guarded gate and community access. Optional RV/boat storage may be available for a reasonable fee. Convenient to I-75, the World Equestrian Center, shopping, dining, and medical facilities, with easy access to Gainesville and Orlando. *One or more photos have been digitally enhanced/Virtually Staged for staging purposes.

10838 Sw 78th Court, Ocala
8543 Sw 107th Lane, Ocala
$164,000
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34481 Zip Code
Located in a welcoming 55+ gated community in Southwest Ocala, this 2-bedroom, 2-bathroom home offers comfortable and convenient living. The home features all new luxury vinyl plank flooring throughout and includes a 9' x 16' Florida room, an indoor laundry room, and a new ROOF that will be installed before closing. AC 2012. Palm Cay, the community where the home is situated, offers golf cart-friendly streets and an active lifestyle for its residents. Amenities include a clubhouse, pool, tennis court, and a variety of social activities. The monthly fee covers trash service, gate access, and community amenities. Additionally, optional RV/boat storage may be available for a reasonable fee. The location offers convenient access to I-75, the World Equestrian Center, shopping, dining, and medical facilities, with easy connections to Gainesville and Orlando. *One or more photos have been digitally enhanced/Virtually Staged for staging purposes.

8543 Sw 107th Lane, Ocala
8571 Sw 105th Place, Ocala
$169,000
2 Beds ⋅ 2 Baths ⋅ Palm Cay SubDv. ⋅ 34481 Zip Code
This well-maintained 2-bedroom, 2-bathroom home is located in a secure, 24-hour gated community designed for residents aged 55 and older. The property has spotless tile flooring, an indoor laundry room with a washer and dryer included, a lanai, and a fenced back yard. The affordable management fee covers trash removal, 24-hour guarded access, and amenities that include a clubhouse with planned social events, a library, a billiards room, a card room, an arts and crafts room, a community pool, a gym, and a tennis court. Situated in Southwest Ocala, the property is just a short distance from shopping centers, restaurants, the World Equestrian Center, VA hospitals, and other healthcare facilities. Golf carts are permitted, and RV or boat storage may be available for a reasonable monthly fee. Conveniently located just minutes from I-75, the property is one hour from Gainesville and one and a half hours from Orlando. *One or more photos have been digitally enhanced for staging purposes. Roof 2013; AC 2015

8571 Sw 105th Place, Ocala
11094 Sw 79th Avenue, Ocala
$210,000
2 Beds ⋅ 1 Baths ⋅ Palm Cay SubDv. ⋅ 34476 Zip Code
Welcome to your beautifully updated oasis in the highly sought-after 55+ gated community of Palm Cay! This meticulously maintained 2-bedroom, 1-bathroom home with a 1-car attached garage is completely move-in ready and packed with modern upgrades. Step inside to discover a bright, refreshed interior. The home features gorgeous vinyl flooring, fresh interior paint, and elegant recessed lighting throughout. The fully updated kitchen and bathroom offer a modern, clean feel, and all appliances have been recently replaced—including the ultra-convenient inside laundry room . Enjoy the beautiful Florida weather from your choice of two outdoor spaces: a welcoming front lanai or the relaxing screened-in back lanai. Major Systems Updated for Peace of Mind: HVAC: 2023 Septic: Flushed in 2023 Roof: 2014 Palm Cay offers an incredible active adult lifestyle with exceptionally low HOA fees. Residents enjoy access to a community pool and spa, a clubhouse featuring a ballroom, billiards, and card rooms, plus tennis courts, bocce ball, and horseshoe pits. Don't miss the opportunity to own this turn-key gem. Schedule your showing today! Buyer to verify all home facts and HOA information.

11094 Sw 79th Avenue, Ocala
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