2831 SE 28TH ROAD, OCALA, FL, 34471
Active25 days on marketListed Oct 13, 2026MLS #J1006100
About this home
2831 SE 28TH ROAD
OWNER FINANCING OFFERS ONLY. Opportunity awaits at this 4-bedroom, 2-bath single-family home in Ocala. The property needs TLC and renovation, making it a great option for a buyer looking to update, customize and add value. The home offers a functional single-story layout with multiple living areas, a spacious kitchen area, generously sized bedrooms, concrete-block construction, driveway parking and a fenced yard with plenty of outdoor space. Some interior areas require repairs and completion, giving the next owner the opportunity to renovate to their own taste and vision. Conveniently located just off SE Lake Weir Avenue with quick access to shopping, dining, medical facilities, schools, Downtown Ocala and major roadways. Property is being offered with OWNER FINANCING ONLY. Seller-financing terms are subject to seller approval. Buyer and buyer’s agent to verify all property information, measurements and financing terms.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,332
Sqft
0.28 ac
Lot size
1960
Year built
One
Levels
$143
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 — not generic estimates.
$1,786 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,786/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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 FRST HILLS
$143 vs $154
Days on market
25 vs 56 typical
Where $143/sqft sits among the 6 homes for sale in FRST HILLS
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.
The numbers that matter
The Ocala market
$278K → $278K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
3 of 6
FRST HILLS have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the Ocala median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 2831 SE 28TH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$229,900
31608 SKYLINE DRIVE · same community
4 bd · 2 ba · 1,475 sqft · $156/sqft · 13 DOM
Sold · Jul ’26$159,900
31825 SKYLINE DRIVE · same community
3 bd · 2 ba · 1,152 sqft · $139/sqft · 8 DOM
Sold · Jan ’26$117,500
44651 TWILIGHT TRAIL · same community
2 bd · 2 ba · 960 sqft · $122/sqft · 23 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2831 SE 28TH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2831 SE 28TH ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2831 SE 28TH ROAD FAQs
What would the monthly payment be for 2831 SE 28TH ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,786/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2831 SE 28TH ROAD?+
The most recent tax bill on record (2025) was $2,856. 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 2831 SE 28TH ROAD?+
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 $189,900, this home is listed about 37% below the Ocala median of $299,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1006100.
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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