Derby Homes under $400,000

Welcome to Derby, Connecticut – a charming city nestled in the heart of New Haven County! Known for its rich history and vibrant community, Derby offers a perfect blend of suburban tranquility and urban convenience. With its picturesque landscapes, friendly neighborhoods, and a strong sense of community, Derby is an ideal place for families, young professionals, and retirees alike.

Derby boasts a variety of amenities that make it a desirable location to call home. Enjoy outdoor activities at the scenic Osbornedale State Park or take a leisurely stroll along the Housatonic River. The city is also home to a thriving downtown area, where you can find an eclectic mix of shops, restaurants, and local businesses, fostering a warm and welcoming atmosphere.

For those seeking affordable housing options, Derby has a range of homes available for under $400,000. Whether you’re a first-time homebuyer or looking to downsize, you’ll find charming single-family homes, cozy townhouses, and even some delightful condos that fit your budget. Many of these properties feature modern updates, spacious yards, and convenient access to local schools and parks, making them perfect for families and individuals alike.

With a strong sense of community, excellent schools, and a variety of recreational opportunities, Derby is not just a place to live – it’s a place to thrive. Explore the possibilities today and discover why so many are proud to call Derby home!

Newest Derby Homes under $400,000

$349,900

4 Beds ⋅ 2 Baths ⋅ 24196214 MLS

Value-add opportunity just off Route 34 in Derby. This two-family home offers 2,312 sq ft of living space with four bedrooms and two full baths in total, plus a covered front porch. The first-floor unit is vacant, giving an owner-occupant or investor the chance to start renovations right away, while the second-floor unit is currently tenant-occupied. The home is ready for updates throughout and is priced accordingly, making it a strong candidate for a renovation plan aimed at increasing rental income and long-term value. City water, city sewer and natural gas provide a solid foundation for future improvements. Close to Route 8 with convenient access to New Haven and Fairfield, plus nearby shopping, dining and commuter routes. Live in one unit and rent the other, or renovate both and hold as an investment. Bring your vision to this Derby two-family. Second-floor unit is tenant-occupied; please do not disturb the tenant. Showings by appointment only. Buyer and buyer's agent to verify all information.

70 Bank St, Derby

$349,000

3 Beds ⋅ 2 Baths ⋅ 24210763 MLS ⋅ Brookside Commons BLDG.

Welcome to this spacious and well appointed two bedroom, two bathroom townhouse featuring a versatile loft that can easily serve as an additional bedroom, home office, or guest space. The home offers a bright and functional layout with generously sized bedrooms and comfortable living spaces throughout. The dining area provides direct access to a walk-out porch, creating a seamless extension of the living space and the perfect spot to relax or enjoy the outdoors. Additional highlights include central air conditioning, two bathrooms, and the added flexibility of the loft. Combining comfort, functionality, and plenty of usable space, this townhome is a wonderful opportunity for anyone looking for a home that can adapt to their lifestyle.

3 E Court, Unit 3, Derby

$270,000

2 Beds ⋅ 2 Baths ⋅ 24207898 MLS ⋅ Beau View Arms BLDG.

Move right into this beautifully maintained 2-bedroom, 2-bath condo that combines comfort and convenience. The bright eat-in kitchen is equipped with stainless steel appliances and elegant quartz countertops, making meal preparation a pleasure. A large, welcoming living room offers plenty of space for entertaining family and friends. Enjoy outdoor living on the newly stained deck, and appreciate the convenience of the attached one-car garage. This attractive home is ready for its next owner to enjoy.

233 Derby Ave Unit 203, Derby

$314,900

3 Beds ⋅ 3 Baths ⋅ 24208832 MLS ⋅ Orangewood East Condo (#1-10) BLDG.

Orangewood East Essex style unit, the largest style in the complex, Three full sized bedrooms, the primary bedroom has a private bath and a private balcony to decompress on! This unit has many updates, flooring, windows, HVAC, baths and kitchen with additional cabinets. The living room/dining room combination is over 30 feet long, walk in the front door and follow it to the slider to the private, fenced deck. Construction was done to minimize any sound from side to side and the block walls run from basement to roof line, reducing insurance costs as well. This unit is located minutes from anything, you can even walk to stores, brewery and restaurants. Located close to the highways going North or South is just another convenience

230 Shagbark Dr Unit 230, Derby

$329,900

3 Beds ⋅ 2 Baths ⋅ 24207813 MLS ⋅ Derbyshire BLDG.

Welcome to 12 Derbyshire, a well-maintained ranch-style end unit offering the ease and convenience of one-level living in the highly desirable Derbyshire community. Located in a peaceful, park-like setting, this home features 3 bedrooms, 2 full baths, and a bright, sun-filled interior. The open floor plan offers a spacious living room that flows seamlessly into the dining room, creating a comfortable space for everyday living and entertaining. Large windows fill the home with natural light. Sliding glass doors lead to a private oversized deck overlooking a tranquil wooded setting. The eat-in kitchen features newer appliances, ample cabinetry, and a second slider providing direct access to the deck.The primary bedroom offers a private full bath and a spacious walk-in closet. Two additional bedrooms and a full hall bath provide flexibility for family, guests, or home office use. Excellent closet space and storage are found throughout the home.Additional features include a welcoming front porch, central air conditioning, and two assigned parking spaces conveniently located just steps from the front door. A full basement offers a dedicated laundry room, abundant storage space, and excellent potential for future finished living space. Residents enjoy beautifully maintained grounds, a community clubhouse, and a swimming pool. Conveniently located near Route 34, Route 15, Metro-North train service, shopping, restaurants, coffee shops, and fitness centers.

12 Derbyshire, Unit 12, Derby

$325,000

4 Beds ⋅ 2 Baths ⋅ 24207749 MLS

2 Family in downtown Derby has upgraded electric, plumbing. Separate utilities. 1st floor gas furnace 3 yrs. Side and rear yard and is convenient to shops and restaurants. 2nd floor needs updating. Live in or Nice investment opportunity.

170 Elizabeth St, Derby

$385,000

3 Beds ⋅ 1 Baths ⋅ 24206734 MLS

Welcome to this very cozy Cape Cod featuring 3 bedrooms, with two bedrooms located on the second floor and one conveniently situated on the main level. The kitchen and living area create a warm and inviting space that is perfect for entertaining family and friends. The home also offers a beautiful dining room and a remodeled bathroom. The basement is currently unfinished but offers great potential for additional living space, such as a home office, playroom, gym, or bonus room, and features its own entrance. Outside, you will love the extra-large deck and spacious backyard, perfect for relaxing, entertaining, gardening, or enjoying outdoor activities. The property also includes a attached one-car garage. A charming home with great potential, comfortable living spaces, and plenty of outdoor space-come see it and imagine making it your own!

75 Coppola Ter, Derby

$335,000

3 Beds ⋅ 2 Baths ⋅ 24200537 MLS

WHAT A BUY! Own this Classic Colonial home with MODERN updates featuring Kitchen with Granite, Pantry & Appliances. 2 Newer Full Baths with Double Head Shower & Tile. Enjoy the freshly painted open Bright & Light Dining and Living room with GORGEOUS engineered hardwood flooring! Three comfortable bedrooms to choose from to relax and unwind. Convenience of a walk-up attic for storage or future ideas. Detached Garage, Shed, Garden and nice yard for outdoor fun. Quiet side street with a short commute to Rte. 8, Rte. 34, Train Station, Shopping, Schools, Park, Restaurants, Medical Facility, Derby Track Stadium. A charming enclosed front porch brings value ready for your own creative customization! Extra BONUS Side yard may offer potential for future expansion or outdoor use; Buyer to verify zoning & approvals with the town of Derby. Great Opportunity! A Home Run!

18 Summit St, Derby

$279,000

2 Beds ⋅ 2 Baths ⋅ 24203603 MLS ⋅ Summit Commons BLDG.

Welcome home to Summit Commons, a beautifully maintained community where comfort and convenience come together. Tucked at the end of a quiet culdesac, 113 Pinnacle Ridge offers a peaceful setting that immediately feels like home. Step inside and you're greeted by a bright kitchen and a convenient half bath, leading into an open dining and living area perfect for everyday living or hosting friends. Sliders open to a private deck with relaxing views of the landscaped common grounds - an ideal spot for morning coffee or unwinding at the end of the day. Upstairs, you'll find two inviting bedrooms. The spacious primary suite features dual access from both the bedroom and hallway, creating a comfortable flow and added privacy. The finished lower level adds even more flexibility - envision an additional room for a third bedroom, or cozy home office, guest space, workout room, or additional living area, this level adapts to your lifestyle. The access from the under-house garage into the lower hallway is a true bonus, especially during New England winters or rainy days. With a brand-new hot water heater, efficient gas utilities, and a layout designed for easy living, this home offers comfort, practicality, and a welcoming atmosphere from the moment you arrive. *Not an FHA approved complex. 1 dog less than 30" in height at the shoulder at maturity and of gentle disposition. No more than 2 cats. Units can be rented immediately. Sold AS IS.

113 Summit Commons Unit 113, Derby

$299,900

2 Beds ⋅ 3 Baths ⋅ 24139967 MLS ⋅ Orangewood West BLDG.

Welcome to this beautifully updated townhouse offers comfortable, low maintenance living in a convenient location. Recent improvements include updates to the kitchen and beautiful wood flooring, adding a fresh and inviting feel throughout the home. The functional layout provides comfortable living spaces with plenty of natural light and room to make it your own. Conveniently located near shopping, dining, parks, major roadways, and everyday amenities. A wonderful opportunity to a move in ready home with tasteful updates. Schedule your private showing today!

40 Orangewood W Unit 40, Derby

$290,000

2 Beds ⋅ 2 Baths ⋅ 24202588 MLS ⋅ Birmingham BLDG.

Wonderful move-in-ready Birmingham townhouse in a well-situated Derby community! This well-maintained unit features two bedrooms and updated mechanicals, including central air, gas heat, a newer water heater, and updated kitchen and bathrooms. The spacious living room offers sliders leading to a private deck. A convenient half bath is located on the main level. The second floor features two generously sized bedrooms and a full bathroom with a tub/shower combination. The lower level includes a large storage room, laundry area, and an attached garage. Conveniently located close to highways, restaurants, shopping, and other amenities, this home offers comfortable, move-in-ready living.

273 Derby Ave Unit 305, Derby

$385,000

3 Beds ⋅ 2 Baths ⋅ 24202132 MLS

Welcome to this spacious 3-bedroom, 1.5-bath raised ranch situated on a level corner lot in a desirable residential neighborhood. Offering a solid foundation for your vision, this home is ready for updates and improvements to make it truly your own. The main living area features beautiful hardwood floors and a comfortable layout filled with natural light. The eat-in kitchen overlooks the level backyard and is equipped with newer stainless steel appliances. Three bedrooms and a full bath complete the main level. The finished lower level provides valuable additional living space with a family room, plus a convenient half bath and plenty of storage. A spacious two-car garage adds even more storage. Enjoy the convenience of a residential setting close to shopping, dining, Routes 34 and the Merritt Parkway, while still offering a generous yard and room to enjoy the outdoors. With its desirable location, this home is an excellent opportunity to add your personal touches and create a home that fits your lifestyle. *City sewer possibly available. Contact the town of Derby for verification.

34 Belleview Dr, Derby

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