3970 SW 51ST TERRACE, OCALA, FL, 34474
Active22 days on marketListed Jul 13, 2026MLS #OM728078
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 3:00 PM
About this home
3970 SW 51ST TERRACE
Welcome to this beautifully maintained home in one of Ocala’s desirable communities! Offering a thoughtful split-bedroom floor plan, this home features an additional bonus room that is perfect as a home office, study, hobby room, or flexible living space to fit your needs. Inside, you’ll find upgraded countertops, durable luxury vinyl plank flooring throughout the main living areas, and a bright, open layout designed for both everyday living and entertaining. The fenced backyard provides added privacy and plenty of room to relax, garden, or enjoy outdoor activities. For added peace of mind, the HVAC system was just serviced 07/13/2026. Located in a community with outstanding amenities, residents enjoy access to a resort-style swimming pool, clubhouse, fitness center, playground, sidewalks, and beautifully maintained common areas. Conveniently situated near shopping, dining, medical facilities, schools, and major roadways, this home offers the perfect combination of comfort, convenience, and lifestyle. Don’t miss the opportunity to make this move-in-ready home your own—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,510
Sqft
0.17 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$149
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.
$2,967 /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
$2,967/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
+11.8%
$/sqft vs Ocala actives
$149 vs $184
Days on market
22 vs 48 typical
Where $149/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)
145 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 25% above the OCALA 34474 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3970 SW 51ST TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$370,000
4059 SW 51ST ROAD · same community
4 bd · 3.5 ba · 2,510 sqft · $147/sqft · 170 DOM
Sold · Apr ’26$315,000
4947 SW 40TH LANE · same community
4 bd · 3.5 ba · 2,512 sqft · $125/sqft · 7 DOM
Sold · Sep ’25$335,300
4047 SW 51ST COURT · same community
4 bd · 3.5 ba · 2,536 sqft · $132/sqft · 171 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 3970 SW 51ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3970 SW 51ST TERRACE — 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
3970 SW 51ST TERRACE FAQs
What would the monthly payment be for 3970 SW 51ST TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,967/mo — principal and interest, the actual property-tax bill, the $136/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 3970 SW 51ST TERRACE?+
The association fee works out to $136 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3970 SW 51ST TERRACE?+
The most recent tax bill on record (2025) was $3,580. 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 3970 SW 51ST TERRACE?+
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 $374,900, this home is listed about 25% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3970 SW 51ST TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of ROBB HARRISON REALTY INC · Rudolph Hernandez, Jr. MLS #OM728078.
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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