O'Neil Property Group
Live Plano listings updated daily from the MLS — plus what local buyers should know before making a move.
Under $400K covers the heart of the Plano market — roughly four of every five homes that sell in town close below this number. This is where Lakewood Springs singles, Churchill Farms two-stories, and the near-new M/I Homes builds in Lakewood Springs Club all compete for your attention, usually with three or four bedrooms, a garage, and a yard. The same budget east of Route 47 buys a townhome or a dated ranch; in Plano it buys the whole checklist.
Looking for help narrowing down your search? Call or text Kealan at 630-381-4995 for a personalized list of homes that match your budget and priorities.
Active listings pulled directly from the MLS.
Expect 3- and 4-bedroom single-family homes from roughly 1,400 to 2,800 square feet. The 2004–2009 Lakewood Springs wave dominates the middle of the band, Churchill Farms adds mid-2000s two-stories on quarter-acre lots between the low $300s and $420K, and 2020–2023 Lakewood Springs Club homes sit at the top in the $370s–$390s. Below $330K you’ll also see Woodwind, Meyerbrook, and updated in-town homes. Two-car garages are standard; basements are common in the 2000s stock.
The practical choice in this band is age versus size. Lakewood Springs Club gives you the newest construction in town — 2020–2023 — at prices that undercut comparable near-new homes anywhere east of here. Established Lakewood Springs and Churchill Farms trade slightly lower with larger mature trees and, in some sections, bigger footprints. Emily G. Johns School (grades 4–6) sits adjacent to Lakewood Springs, and the whole CUSD 88 campus loop is minutes from any of these subdivisions.
Conventional financing with 5–10% down is the norm here, though FHA remains common toward the lower end. In Lakewood Springs and Lakewood Springs Club, verify whether the parcel carries an SSA assessment — it changes the real monthly cost and varies by section. On 2004–2009 homes, check the age of roofs, water heaters, and HVAC; many are reaching their second replacement cycle, which is a negotiating point.
Homes in this band average about three weeks on market, but the spread is wide: sharp listings in Lakewood Springs Club go in days, while overpriced homes sit a month or more. If you’re selling elsewhere to buy here, the math usually works in your favor — and we can coordinate both sides of the move.
Whether you are just starting your search or ready to schedule a showing, Kealan O’Neil is here to help you every step of the way.