Oak Creek Homes under $400,000

Welcome to Oak Creek, a charming subdivision nestled in the heart of Montgomery County, Ohio. This vibrant community is perfect for families, young professionals, and anyone seeking a serene yet connected lifestyle. Oak Creek boasts a picturesque landscape, featuring tree-lined streets, manicured lawns, and a friendly atmosphere that welcomes newcomers with open arms.

One of the standout features of Oak Creek is its affordability, with a variety of beautiful homes available for under $400,000. Whether you’re searching for a cozy starter home, a spacious family residence, or a low-maintenance property, Oak Creek offers a diverse selection to meet your needs. The homes in this community are designed with modern living in mind, often featuring open floor plans, updated kitchens, and lovely outdoor spaces for entertaining or relaxing.

The subdivision is conveniently located near major highways, making commuting to nearby cities a breeze. Residents enjoy access to excellent schools, parks, and recreational facilities, ensuring that there’s always something to do. The community spirit is palpable, with regular neighborhood events that foster connections among residents.

In Oak Creek, you’ll find not just a house, but a place to call home. With its affordable pricing, welcoming community, and convenient location, it’s no wonder that so many are choosing to settle down in this delightful subdivision. Come explore Oak Creek and discover the perfect blend of comfort, community, and value today!

Newest Oak Creek Homes under $400,000

$350,000

3 Beds ⋅ 2 Baths ⋅ 970378 MLS

It's not often you find a brick ranch on more than half an acre in Kettering, especially one with a backyard like this! This 3-bedroom home offers comfortable one-level living, thoughtful updates, and exceptional outdoor space for recreation and entertaining. Inside, the living room features large windows, vaulted ceilings, and a brick gas fireplace, with a dedicated dining room nearby. The updated kitchen offers granite countertops, stainless steel appliances, a breakfast bar, and open shelving. A sliding barn door adds character to the adjoining laundry room and pantry. A separate family room provides additional living space, while the sunroom offers a wonderful view of the expansive backyard. The primary bedroom has direct access to an adjoining bath, while two additional bedrooms offer flexibility for guests or a home office. Outside is where this property truly shines! The fully privacy-fenced backyard features two patios, a firepit, playset, jungle gym, and even a zip line. Mature trees provide a beautiful backdrop to this unusually generous lot, with plenty of room for outdoor activities, entertaining, or simply enjoying the privacy of your own backyard. Additional improvements include newer laminate flooring, HVAC replaced in 2017, and roof replaced in 2015. With its versatile living spaces, updated kitchen, and exceptional half-acre-plus lot, this home offers a combination that's increasingly difficult to find in Kettering.

2231 Brookpark Drive, Dayton

Courtesy of Laurie Westheimer and BHHS Professional Realty

$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

$399,500

3 Beds ⋅ 2 Baths ⋅ 969062 MLS

Welcome to this stunning 3-bedroom, 2-full-bath modern ranch, offering an open floor plan and exceptional architectural design. Built with great bones and loaded with premium upgrades, this home features dramatic 14-foot cathedral vaulted ceilings that create an airy, spacious atmosphere the moment you walk in. Step inside to find seamless, top-tier COREtec luxury vinyl plank flooring and exquisite designer lighting fixtures flowing throughout the entire home. The heart of the home is a custom kitchen fully equipped with premium cabinetry, an abundance of storage, stunning granite countertops, and Whirlpool stainless steel appliance package. Anchoring this chef's space is an oversized kitchen island topped with premium granite, offering extensive built-in storage and serving as the perfect centerpiece for entertaining. The main living space is bathed in natural light, courtesy of two large skylights and massive, custom Andersen aluminum picture windows, which are also featured in the primary suite. The curb appeal is highlighted by custom brick-tile paved front and rear patios and stunning modern exterior lighting designed to look breathtaking both day and night. The primary bedroom serves as a private retreat, boasting a double-sink vanity, a custom upgraded glass shower, and designer moisture-resistant finishes. Throughout the home, you will find modern low-profile ceiling fans and energy-efficient sun tunnels in both bathrooms. Outdoor features include a spacious Southern-facing sunroom alongside elegant brick-tile paved front and rear patios, backyard pond, and mature landscaping. Major mechanical & structural updates include premium Andersen aluminum custom windows, brand new Carrier HVAC System (2026), new hot water tank (2025), premium Pella exterior doors, oversized 2-Car garage with extra storage space, and outdoor gas line for grilling.

2276 E Rahn Road, Kettering

Courtesy of Carolyn Stefanik and Coldwell Banker Heritage

$389,900

3 Beds ⋅ 4 Baths ⋅ 968556 MLS

Welcome to 910 Sunnycreek Drive, a spacious brick tri-level home situated on nearly half an acre in Centerville. With approximately 3,240 square feet of living space, this home offers an abundance of room for comfortable everyday living, entertaining, and making the space your own. The thoughtfully designed tri-level floor plan offers three bedrooms, three full baths, and a half bath, with distinct areas that provide flexibility for both gathering and everyday living. The lower level offers a spacious fourth bedroom, currently used as a home office.The brick exterior offers timeless curb appeal, while the expansive 0.48-acre lot provides plenty of space for outdoor enjoyment, gardening, entertaining, or relaxing. With its generous square footage, versatile floor plan, and desirable lot size, 910 Sunnycreek Drive presents an opportunity to create a home that truly fits your lifestyle.

910 Sunnycreek Drive, Centerville

Courtesy of Maureen Lunne and West Parke Real Estate Group

$359,000

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, Kettering

Courtesy of James B Myers and Country Mile REALTORS

$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

$299,900

3 Beds ⋅ 2 Baths ⋅ 968063 MLS

*Back on market - no fault of seller.* Cathedral ceilings in the main living room and formal dining room create an open interior feeling upon entry to this single-story ranch home. Offering 2,133 square feet of main-level living space on a 0.29-acre lot, the home features three large bedrooms and two full bathrooms. Entry through the front exterior leads directly into the expansive primary gathering spaces. The front living room features a classic fireplace and connects directly into an open kitchen, breakfast nook, and formal dining room. Designed with flexible interior options, the floor plan includes a second full family room and an adjacent four-seasons room filled with natural sunlight. All three bedrooms are conveniently situated together down a central hallway on the main level, providing spacious room sizes, separated sleeping quarters, and deep closet storage. The two full bathrooms are exceptionally large, offering ample space for double vanity fixtures or custom remodeling choices. Moving outside, the four-seasons room provides direct access to a rear wooden deck that overlooks an open, fully fenced backyard with mature shade trees. Operating with no HOA fees or strict community restrictions, this property offers freedom for personal updates, land use, and exterior customization. The home is situated in a highly desirable Kettering location, just minutes from the Cornerstone development with immediate access to grocery stores, retail shopping, and regional dining options. Quick highway access to Interstate 675 simplifies travel across the east side of Dayton, Beavercreek, and Wright-Patterson Air Force Base. Featuring an expansive layout, multi-room footprint, and a quiet setting, this house provides an exceptional equity-building opportunity for buyers seeking a cosmetic value project in an established neighborhood.

2409 Springmill Road, Kettering

Courtesy of Sean Goodyear and Keller Williams Community Part

$335,000

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

$335,000

4 Beds ⋅ 3 Baths ⋅ 967025 MLS

Welcome home to the heart of Kettering! This sprawling, carpet-free ranch combines spacious single-story living with unbeatable convenience to local shopping, dining, and parks. Flooded with natural light, the main layout boasts four generous bedrooms and three full bathrooms, plus a versatile bonus room off the garage—ideal for a home office, craft room, or gym. Enjoy low-maintenance tile flooring across the bright living area, dining room, and kitchen, complemented by durable laminate in every bedroom. The open-concept kitchen comes fully equipped with appliances, abundant cabinetry, and granite countertops that flow seamlessly into a cozy family room with fireplace. Outside, your private backyard features a large yard, an expansive covered patio perfect for entertaining, multiple storage sheds, and an oversized two-car garage. Schedule your tour today and settle in just in time for fall!

5314 Brainard Drive, Kettering

Courtesy of Tan N Gray and Glasshouse Realty Group

$285,000

3 Beds ⋅ 2 Baths ⋅ 964896 MLS

Welcome home to this charming 3-bedroom, 2-bath ranch offering comfortable one-level living and great curb appeal. From the moment you arrive, you'll appreciate the beautifully maintained landscaping that creates a warm and inviting first impression. Inside, you'll find a thoughtfully designed layout featuring spacious bedrooms with plenty of room to relax, work, or accommodate guests. The functional floor plan provides comfortable living spaces that are perfect for both everyday living and entertaining. Whether you're enjoying the peaceful outdoor setting or the convenience of ranch-style living, this home offers the perfect blend of comfort and practicality. Don't miss your opportunity to make this wonderful home your own!

2228 E Whipp Road, Kettering

Courtesy of Georgiana C Nye and Coldwell Banker Heritage

Start Your Search

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.

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 Mark Ryan Group RE/MAX Victory + Affiliates 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®