4516 NW 54TH TERRACE, OCALA, FL, 34482
Active369 days on marketListed Aug 1, 2025MLS #OM706592
Come see it
Upcoming open house
Sat, Aug 15
12:00 PM – 2:00 PM
About this home
4516 NW 54TH TERRACE
Virtually Staged. Welcome to the Declare model! This 2-bedroom, 2.5 bathroom open floor plan is located in Ocala Preserve. The home features spacious bedrooms, tile flooring throughout, and a modern kitchen with stainless steel appliances. Enjoy countless amenities right outside your door! With pools, restaurants, walking paths, and fitness centers, every day feels like a vacation. You are just minutes away from the World Equestrian Center, shopping, dining, and so much more. Schedule your tour today.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,060
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
One
Levels
$187
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.
$3,272 /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
$3,272/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
−10.2%
$/sqft vs Ocala actives
$187 vs $187
Days on market
369 vs 49 typical
Where $187/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 34482 — neighborhood snapshot
Population
21,824
Median age
52.1
Median income
$71,449
Median home value
$247,600
Avg household
2.28
Households w/ children
1,486
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)
161 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 46% above the OCALA 34482 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4516 NW 54TH TERRACE
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$379,900
5537 NW 45TH LANE · same community
3 bd · 2 ba · 1,862 sqft · $204/sqft · 16 DOM
Sold · Jun ’26$335,000
4718 NW 32ND STREET
3 bd · 2 ba · 2,072 sqft · $162/sqft · 52 DOM
Sold · Jul ’26$550,000
5304 NW 35TH LANE ROAD
3 bd · 2.5 ba · 2,048 sqft · $269/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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4516 NW 54TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4516 NW 54TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4516 NW 54TH TERRACE FAQs
What would the monthly payment be for 4516 NW 54TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,272/mo — principal and interest, the actual property-tax bill, the $528/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 4516 NW 54TH TERRACE?+
The association fee works out to $528 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4516 NW 54TH TERRACE?+
The most recent tax bill on record (2024) was $1,766. 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 4516 NW 54TH TERRACE?+
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 $384,990, this home is listed about 29% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4516 NW 54TH TERRACE?+
West Port High School (high), College Park Elementary School (elementary), Howard Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$384,990 runs 46% above the OCALA 34482 median — but at 2,060 sqft it's also 19% larger than the typical Ocala listing.
02Know the monthly fee
The association fee is $528/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
369 days on market against a Ocala median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $450,990, now $384,990 — a $66K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Olivia Perez. MLS #OM706592.
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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