5520 SW 45TH STREET, OCALA, FL, 34474
Active24 days on marketListed Jul 16, 2026MLS #O6425261
About this home
5520 SW 45TH STREET
Privacy, peace of mind, and an exceptional community lifestyle come together in this beautifully maintained 3-bedroom, 2-bath home, perfectly positioned on a spacious conservation homesite with no rear neighbors and a new roof installed in 2023. Step inside and you’ll immediately appreciate the open, inviting layout designed for the way people live today. Whether you’re hosting family gatherings, enjoying a quiet evening at home, or simply taking in the natural light that fills the living spaces, this home offers the comfort and flexibility to fit every stage of life. The split-bedroom floor plan creates a private owner’s retreat while providing generous space for family, guests, or a dedicated home office. One of the home’s most memorable features is what lies beyond the back door. Relax on the screened lanai, sip your morning coffee, or unwind after a long day while overlooking a peaceful wooded conservation area. With no rear neighbors, you’ll enjoy the kind of privacy that’s becoming increasingly difficult to find. Beyond the home itself, the community offers an impressive collection of amenities designed to complement your lifestyle. Spend weekends at the resort-style pool, enjoy a game of pickleball, tennis, or basketball, let the kids explore the playground, or take a stroll along the scenic walking paths surrounded by beautiful lakes and mature landscaping. Conveniently located near shopping, dining, medical facilities, major highways, and Central Florida’s world-class attractions, this home delivers the perfect balance of everyday convenience and peaceful living. If you’ve been searching for more than just another house, this is a place where you can truly slow down, spread out, and enjoy everything that makes Florida living special.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,714
Sqft
0.28 ac
Lot size
2
Garage
2006
Year built
One
Levels
$160
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.
$2,196 /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
$2,196/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
−2.9%
$/sqft vs Ocala actives
$160 vs $186
Days on market
24 vs 52 typical
Where $160/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)
169 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 8% below the OCALA 34474 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 5520 SW 45TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$297,500
4439 SW 53RD TERRACE · same community
3 bd · 2 ba · 1,714 sqft · $174/sqft · 11 DOM
Sold · Apr ’26$290,000
5601 SW 42ND PLACE · same community
3 bd · 2 ba · 1,714 sqft · $169/sqft · 26 DOM
Sold · Oct ’25$300,000
4237 SW 57TH AVENUE · same community
3 bd · 2 ba · 1,714 sqft · $175/sqft · 2 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5520 SW 45TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5520 SW 45TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5520 SW 45TH STREET FAQs
What would the monthly payment be for 5520 SW 45TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,196/mo — principal and interest, the actual property-tax bill, the $175/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 5520 SW 45TH STREET?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5520 SW 45TH STREET?+
The most recent tax bill on record (2025) was $1,454. 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 5520 SW 45TH STREET?+
The listing reports pets: Size Limit. 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 $274,900, this home is listed about 8% below the Ocala median of $298,888. The market section on this page shows how the area is trending.
Which schools are assigned to 5520 SW 45TH STREET?+
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
Three things that matter here
01Under the OCALA 34474 market on paper
$274,900 is 8% below the OCALA 34474 median of $298,000, and at $160/sqft it sits under the Ocala average of $206.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $279,000, now $274,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · James Oxendine II. MLS #O6425261.
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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