4923 SW 40TH LANE, OCALA, FL, 34474
Active110 days on marketListed Apr 16, 2026MLS #OM722749
About this home
4923 SW 40TH LANE
Located in the desirable Saddle Creek community, this move-in ready, fully furnished home offers 3 bedrooms, 2 bathrooms, and over 1,800 square feet of living space. Mature landscaping and a covered entryway create inviting curb appeal, while the interior showcases tall vaulted ceilings, updated light fixtures, newer interior paint, and abundant natural light throughout. The thoughtfully designed floor plan includes a formal dining area and an open-concept living space with luxury wood-look vinyl flooring, with tile in the kitchen and bathrooms. The kitchen is both functional and stylish, featuring newer stainless steel appliances, ample cabinet and counter space, a center island, pantry, and breakfast bar. The spacious primary suite offers a walk-in closet with built-ins and a private bath with dual sinks, a garden tub, and a separate glass-enclosed shower. Outdoor living is just as appealing, with a screen-enclosed patio, privacy-fenced backyard, spacious paver patio, and tiered flower beds. Major recent updates include a roof replacement in 2021, along with a newer A/C and water heater replaced in 2022/2023. Saddle Creek residents enjoy access to a clubhouse, community pool, fitness center, playground, and more. Conveniently located near State Road 200, this home is just minutes from shopping, dining, medical, and entertainment, offering comfort, convenience, and a wonderful opportunity to enjoy all that Ocala has to offer. It's just a short 10-minute drive to the World Equestrian Center (WEC).
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,824
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
One
Levels
$183
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,766 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,766/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+17.6%
$/sqft vs Ocala actives
$183 vs $185
Days on market
110 vs 48 typical
Where $183/sqft sits among the 400 Ocala actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ocala
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34474 — neighborhood snapshot
Population
20,497
Median age
38.4
Median income
$62,150
Median home value
$177,800
Avg household
2.39
Households w/ children
2,288
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
144 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the OCALA 34474 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4923 SW 40TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$274,000
3983 SW 51ST COURT · same community
3 bd · 2 ba · 1,824 sqft · $150/sqft · 7 DOM
Sold · Apr ’26$250,000
5151 SW 39TH STREET · same community
3 bd · 2 ba · 1,714 sqft · $146/sqft · 280 DOM
Sold · Jan ’26$205,000
5155 SW 39TH STREET · same community
2 bd · 2 ba · 1,695 sqft · $121/sqft · 78 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4923 SW 40TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4923 SW 40TH LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
4923 SW 40TH LANE FAQs
What would the monthly payment be for 4923 SW 40TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,766/mo — principal and interest, the actual property-tax bill, the $85/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4923 SW 40TH LANE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4923 SW 40TH LANE?+
The most recent tax bill on record (2025) was $4,890. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4923 SW 40TH LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $334,000, this home is listed about 12% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4923 SW 40TH LANE?+
College Park Elementary School (elementary), West Port High School (high), Liberty Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$334,000 runs 11% above the OCALA 34474 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
110 days on market against a Ocala median of 48 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $337,000, now $334,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SHOWCASE PROPERTIES OF CENTRAL · Claire Khuen. MLS #OM722749.
IDX information is provided exclusively 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 purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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