
3986 SE 43RD CIRCLE, OCALA, FL, 34480
Active4 days on marketListed Jul 31, 2026MLS #GC542343
About this home
3986 SE 43RD CIRCLE
Welcome to an exceptional custom residence in The Vinings, one of Ocala’s desirable gated communities, where refined interiors and resort-inspired outdoor living come together on a beautifully landscaped ¾-acre homesite. Offering 3 bedrooms, a private office, 3.5 baths, and an oversized side-entry 3-car garage, this distinctive home is filled with natural light, architectural character, and thoughtful upgrades throughout. Step inside to soaring ceilings, detailed millwork, custom accents, and an elegant floor plan designed for both everyday comfort and entertaining. Formal living and dining spaces complement the expansive family room, while the private office with French doors provides an ideal work-from-home retreat. The split-bedroom design offers privacy, with each bedroom featuring its own ensuite bath. At the heart of the home is a beautifully appointed gourmet kitchen featuring rich cherry cabinetry, granite countertops, decorative backsplash, double wall ovens, gas cooktop with pot filler, a large island with prep sink, and a custom statement range hood. A butler’s pantry with wine refrigerator and sink provides additional space for entertaining. The kitchen opens to the light-filled family room, where a striking coral rock gas fireplace with a new insert creates a memorable focal point, while the adjoining breakfast area overlooks the pool and lush backyard. The spacious primary suite offers direct access to the lanai and a true retreat at the end of the day, complete with dual walk-in closets and an expansive bath featuring a jetted soaking tub, separate vanities, and a walk-in shower with dual showerheads. Then step outside and discover what truly sets this property apart. The oversized screened lanai and backyard have been designed to feel like a private tropical resort, surrounded by mature native landscaping that creates exceptional beauty and privacy. Multiple lounging and dining areas, a warm wood ceiling, overhead fans, summer kitchen with Blaze gas grill, refrigerator and sink, and an inviting firepit create the perfect setting for everything from quiet mornings to evening entertaining. At the center is the saltwater pool and spa with waterfall, offering both gas heat and dedicated solar heating. A separate screened side lanai provides yet another space to relax and enjoy Florida living. The home has also benefited from substantial recent improvements, including a NEW ROOF, replacement windows and doors, updated faucets, new pool solar panels transferable to the new owner, new fireplace insert, and Shark Coating garage flooring. Additional features include porcelain tile, engineered hardwood flooring in the bedrooms, plantation shutters, a well-equipped laundry room with cabinetry and sink, and a whole-home Generac generator for added peace of mind. Outside, the fully fenced grounds are surrounded by mature landscaping, creating a remarkable sense of privacy and serenity. Elegant yet comfortable, private yet designed for entertaining, this extraordinary Vinings residence delivers the Florida luxury lifestyle both indoors and out.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,185
Sqft
0.75 ac
Lot size
3
Garage
2007
Year built
One
Levels
$345
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.
$7,253 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,253/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Ocala actives
$345 vs $184
Days on market
4 vs 48 typical
Where $345/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
Get to know Ocala. See the full Ocala guide →
OCALA 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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 273% above the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3986 SE 43RD CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$789,000
3986 SE 43RD CIRCLE · same community
3 bd · 3.5 ba · 3,185 sqft · $248/sqft · 33 DOM
Sold · Jan ’26$849,900
3901 SE 43RD CIRCLE · same community
4 bd · 3.5 ba · 3,414 sqft · $249/sqft · 0 DOM
Sold · May ’26$1,050,000
3955 SE 43RD CIRCLE · same community
4 bd · 3.5 ba · 3,478 sqft · $302/sqft · 21 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3986 SE 43RD CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3986 SE 43RD CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3986 SE 43RD CIRCLE FAQs
What would the monthly payment be for 3986 SE 43RD CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,253/mo — principal and interest, the actual property-tax bill, the $123/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 3986 SE 43RD CIRCLE?+
The association fee works out to $123 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3986 SE 43RD CIRCLE?+
The most recent tax bill on record (2025) was $7,468. 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 3986 SE 43RD CIRCLE?+
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 $1,100,000, this home is listed about 268% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3986 SE 43RD CIRCLE?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,100,000 runs 273% above the OCALA 34480 median — but at 3,185 sqft it's also nearly twice the size of the typical Ocala listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 4 days on market in a Ocala market that averages 48 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of PEPINE REALTY · Mark Gajda. MLS #GC542343.
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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