CENTURY 21 Edge
$42,000≈$470 /mo all-in ↓

39TH CIRCLE, OCALA, FL, 34473

Active133 days on marketListed Mar 12, 2026MLS #O6390394

✦ Priced 84% below the OCALA 34473 medianMARION OAKS UN 06

About this home

39TH CIRCLE

Build your future home on this 0.23-acre lot in the Marion Oaks community. This established neighborhood offers a peaceful setting with mature oak trees, parks, and access to outdoor recreation along the nearby Cross Florida Greenway trails. Residents enjoy convenient access to local shopping, dining, and everyday essentials just a short drive away.

Facts & features

The home at a glance

0.23 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$533/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Sewer Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$470 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$247
FHA mortgage insurance (est.)$19
Property tax — 2025 actual bill$44
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $1,470Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $1,470
Interest rate6.00%
Loan term

Estimated payment

$470/mo

Principal & interest$247
FHA mortgage insurance (est.)$19
Property taxes (actual bill)$44
Est. insurance$160

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.

Where it sits

Inside Ocala

Map of 39TH CIRCLE

Get to know Ocala. See the full Ocala guide →

OCALA 34473 — neighborhood snapshot

Population

25,030

Median age

39.4

Median income

$70,559

Median home value

$242,400

Avg household

2.98

Households w/ children

3,117

For the school run

Marion County School District

MiddleHorizon Academy At Marion Oaks★★★★★
ElementarySunrise Elementary School★★★★★
HighDunnellon High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ocala market

Seller’s marketBalanced — 6.3 months of inventoryBuyer’s market

$285K → $280K

Ocala median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 84% below the OCALA 34473 median. See the full Ocala market guide →

Paper trail

This home's history

Mar 12, 2026Listed at $42,000 · 133 days on market since

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.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 39TH CIRCLE — start here.

CallText
krystina.allen@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 39TH CIRCLE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

39TH CIRCLE FAQs

What would the monthly payment be for 39TH CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $470/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 39TH CIRCLE?+

The most recent tax bill on record (2025) was $533. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Ocala?+

At $42,000, this home is listed about 86% below the Ocala median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 39TH CIRCLE?+

Horizon Academy At Marion Oaks (middle), Sunrise Elementary School (elementary), Dunnellon High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of WRA BUSINESS & REAL ESTATE · Mariana Nossa. MLS #O6390394.

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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39TH CIRCLE, OCALA, FL — $42,000 | CENTURY 21 Edge