Oak Creek Homes under $400,000

Oak Creek Homes under $400,000

Welcome to Oak Creek, a hidden gem nestled in the heart of Montgomery County, Ohio. This charming subdivision offers a perfect blend of suburban tranquility and urban convenience, making it an ideal place for families, young professionals, and retirees alike. With its picturesque tree-lined streets and friendly atmosphere, Oak Creek is a community that truly feels like home.

One of the standout features of Oak Creek is its diverse range of beautiful homes, many of which are available for under $400,000. This affordability does not compromise quality; instead, it opens the door for first-time buyers and those looking to downsize to find their dream home without breaking the bank. These residences often come with spacious layouts, modern amenities, and well-maintained yards, providing the perfect canvas for creating lasting memories.

Residents of Oak Creek enjoy easy access to local parks, recreational facilities, and top-rated schools, enhancing the overall quality of life. The community is also conveniently located near major highways, making commutes to nearby cities a breeze. Whether you’re looking to explore the vibrant local dining scene or enjoy a leisurely weekend at one of the nearby parks, Oak Creek offers something for everyone.

Discover the warmth and charm of Oak Creek, where community spirit thrives and homes are both affordable and inviting. It’s not just a place to live; it’s a place to thrive. Come see for yourself why so many are proud to call Oak Creek home!

Newest Oak Creek Homes under $400,000

841 Rockcreek Drive, Centerville
$375,000
4 Beds ⋅ 4 Baths ⋅ 969570 MLS
Offered for sale for the first time in 53 years, this long-held Centerville home brings together substantial living space at nearly 3,200 square feet, a fully remodeled kitchen with all appliances included, flexible finished areas, and covered outdoor living in a layout designed for both everyday life and entertaining. Originally built as a model home, the main level provides multiple places to gather and spread out, including a spacious great room, separate living room, dining room, breakfast area, large laundry room, and half bath. At the center of it all is the fully remodeled kitchen, offering generous cabinetry and workspace with an easy connection to the surrounding living areas. Upstairs, all four bedrooms are generously sized—no one gets left with the small one, Two full bathrooms include the primary bedroom's private bath. The finished lower level adds another dimension to the home with a large living area, separate recreation room/possible 5th bedroom, and an additional half bath. This flexible space can adapt to a variety of needs, whether used for entertaining, hobbies, exercise, working from home, overnight guests, or recreation. Outside, a generous covered patio extends the living space and creates an inviting setting for relaxing, dining, or entertaining while maintaining privacy. The covered front porch adds another welcoming outdoor space. The two-car garage offers additional space that could accommodate motorcycle parking, storage, tools, hobby equipment, or even a small car, while the expanded driveway provides additional parking flexibility. With 4 bedrooms, 2 full and 2 half baths, multiple living spaces, a remodeled kitchen, finished lower level, covered outdoor living, and added garage and driveway flexibility, this home offers an uncommon combination of space, versatility, and possibilities. After 53 years with the same family, this home's story is far from over. It's simply waiting for its next chapter.

841 Rockcreek Drive, Centerville

Courtesy of Mark R Ryan and RE/MAX Victory + Affiliates

2308 Wrenside Lane, Dayton
$369,000
3 Beds ⋅ 3 Baths ⋅ 968467 MLS
Welcome home to this impeccably maintained brick ranch, offering the perfect blend of modern updates, turn-key comfort, and exceptional outdoor living. From the moment you arrive, the professionally manicured landscaping, custom outdoor accent lighting, and a convenient automatic irrigation system deliver standout curb appeal. Step inside to a bright, open interior featuring large windows and fresh carpet throughout much of the home. The heart of the home boasts an updated kitchen complete with granite countertops, abundant cabinetry with pull-out shelves, and a full suite of appliances. Retreat to the spacious master suite, a true private sanctuary featuring a newly renovated en-suite bathroom, dual closets, and custom built-in storage solutions that extend to every bedroom closet. Premium touches like custom Hunter Douglas blinds, new fixtures, modern doors, and upgraded trim complete the home's polished, sophisticated feel. The backyard is an absolute entertainer’s dream, showcasing a newly covered, low-maintenance patio with stamped concrete and a built-in privacy wall that is perfect for quiet mornings or hosting weekend gatherings. Additional features include an attached garage with built-in storage and a matching backyard shed for extra equipment. Perfectly located within walking distance to the Oak Creek Swim Club, this move-in-ready home is ready for its next chapter. Schedule your private tour today!

2308 Wrenside Lane, Dayton

Courtesy of James B Myers and Country Mile REALTORS

2157 Oak Tree Drive, Kettering
$349,969
3 Beds ⋅ 2 Baths ⋅ 968355 MLS
Meticulously maintained and thoughtfully updated by its current owners, this charming ranch is truly the total package! Situated on just over one-third of an acre, the property is fully enclosed by a privacy fence and features beautifully planted annuals and perennials throughout the front and backyard. Relax on the covered front porch and enjoy the colorful surroundings. Inside, you'll find low-maintenance flooring throughout, updated windows, refreshed baths, and updated kitchen cabinetry. Overhead lighting and ceiling fans have been added to every room, while the inviting family room features a cozy gas fireplace. The bath offers a deep soaking tub, and the second bedroom includes a spacious walk-in closet. Numerous practical improvements provide comfort and peace-of-mind, including additional insulation and attic fans, 5-inch gutters and downspouts with gutter guards, and wiring for a backup generator. The garage features a newer door opener with battery backup and a professionally finished Gorilla garage floor. Major mechanical updates include a water heater and furnace replaced in 2022, air conditioner replaced in 2020, and roof replaced in 2012. All appliances convey, including the washer and dryer. Located in the award-winning Kettering School District, this home is convenient to Costco, I-675, Wright-Patterson Air Force Base, and the abundant shopping and dining options at Cornerstone. Move-in ready, beautifully cared for, and packed with valuable updates!

2157 Oak Tree Drive, Kettering

Courtesy of Lisa A Goris-May and Glasshouse Realty Group

5400 Newell Drive, Kettering
$339,900
3 Beds ⋅ 3 Baths ⋅ 967972 MLS
This Kettering brick ranch home offers zero-entry access, and more than 2,100 square feet of bright, functional living space. Major mechanical systems are recently updated, including an HVAC system under one year old, a water heater under six months old, and the roof is under ten years old. The layout features three bedrooms and two and a half bathrooms. A bright front living room offers large windows and a fireplace. The family room sits in the center of the home and features updated LVP flooring laid over the former sunken floor, which has been raised level. That LVP extends seamlessly into the formal dining room and main hallway. All interior doors have been upgraded to solid wood. The functional U-shaped kitchen features an adjacent eat-in breakfast area and opens to the formal dining space. The primary bedroom includes a private ensuite bath with a shower stall, storage closet, and updated countertop, sink, and faucet. A second full hall bathroom includes an updated dual vanity with new sinks, faucets, countertops, and a shower and tub combination with an updated tile surround. A half bathroom is conveniently located near the kitchen, garage entrance, and living area. At the rear of the property, an enclosed patio overlooks a flat, beautifully landscaped yard measuring over 0.4 acres. Exterior features include a spacious, custom Amish-made storage shed and open yard space ideal for gardening and outdoor recreation. Ample storage options are provided throughout both interior storage closets and exterior structures. Location benefits include direct access to major regional transit routes including State Route 48, Wilmington Pike, and Interstate 675. Nearby public amenities and commercial centers include Miami Valley Hospital South, Town and Country Shopping Center, Cornerstone of Centerville, and Oak Creek Park. This move-in ready property provides low-maintenance living with excellent access to local shopping, dining, parks, and medical facilities.

5400 Newell Drive, Kettering

Courtesy of Brad Shinkle and Keller Williams Community Part

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The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity™ program of the Multiple Listing Service of Greater Cincinnati. Real estate listings held by brokerage firms other than our company are marked with the Broker Reciprocity™ logo (the small house as shown to the left) and detailed information about them includes the name of the listing brokers. This data is up-to-date as of . Copyright 2026, MLS of Greater Cincinnati, Inc. All rights reserved. Information deemed reliable but not guaranteed.

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The data relating to real estate for sale on this website comes in part from the Broker Reciprocity program of the Dayton Area Board of Realtors® MLS IDX Database. Real estate listings from the Dayton Area Board of Realtors® MLS IDX Database held by brokerage firms other than Luma Realty are marked with the IDX logo and are provided by the Dayton Area Board of Realtors® MLS IDX Database. Information is provided for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in. Copyright© 2026 Dayton Area Board of Realtors®