181 BAY ROAD, OCKLAWAHA, FL, 32179
Active17 days on marketListed Sep 25, 2026MLS #O6444662
About this home
181 BAY ROAD
Gorgeous 3 bedroom 2 full baths 2 car garage home situated in Ocklawaha! It's conveniently close to the villages, yet offers the best of country living. The flooring boasts a beautiful combination of light and dark gray luxury planking, perfectly complemented by white Shaker cabinets, granite countertops and stainless steel appliances. Glass top stove, Dishwasher, Over the stove Microwave, and side by side water and Ice in the door refrigerator. The house is set back from the road, providing a spacious front yard and a nice front porch where you can unwind in comfortable chairs and table with your morning cup of coffee. As for the backyard, it's absolutely perfect with plenty of space to entertain guests while playing badminton, croquet, or chipping golf balls. You could even set up a swing for the little ones, or bring the fire pit it would be perfect for those delightful evenings of entertaining guests.The home has septic and well so no water bill saves you hundreds of dollars every year! The home is very energy efficient! Rest assured, this home will not disappoint. Be the first to see it and make it yours! NO HOA
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,321
Sqft
0.24 ac
Lot size
2
Garage
2024
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Ocklawaha actives
$1 vs $188
Days on market
17 vs 77 typical
Where $1/sqft sits among the 148 Ocklawaha 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 Ocklawaha
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocklawaha. See the full Ocklawaha guide →
OCKLAWAHA 32179 — neighborhood snapshot
Population
9,051
Median age
46.8
Median income
$48,214
Median home value
$162,700
Avg household
2.38
Households w/ children
872
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocklawaha market
$250K → $240K
Ocklawaha median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
64 of 148
Ocklawaha actives have cut their price
Median sold price, Ocklawaha, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 95% below the OCKLAWAHA 32179 median. See the full Ocklawaha market guide →
Paper trail
This home's history
Reality check
What actually sold near 181 BAY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$254,000
15584 SE 115TH PLACE ROAD · same community
3 bd · 2 ba · 1,304 sqft · $195/sqft · 48 DOM
Sold · Jan ’26$259,900
33 FISHER LANE WAY · same community
3 bd · 2 ba · 1,338 sqft · $194/sqft · 74 DOM
Sold · Jun ’26$285,000
8 GUAVA PASS TRAIL · same community
3 bd · 2 ba · 1,399 sqft · $204/sqft · 49 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 181 BAY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 181 BAY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
181 BAY ROAD FAQs
What would the monthly payment be for 181 BAY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 181 BAY ROAD?+
The listing reports pets: Breed Restrictions, Number Limit, Size Limit, 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 Ocklawaha?+
At $1,685, this home is listed about 99% below the Ocklawaha median of $267,995. The market section on this page shows how the area is trending.
Which schools are assigned to 181 BAY ROAD?+
Stanton-Weirsdale Elementary School (elementary), Lake Weir High School (high), Lake Weir 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 FLORIDA HOMES SALES & MANAGEMENT LLC · Marilyn Kuczynski. MLS #O6444662.
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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