15040 SW 39TH CIRCLE, OCALA, FL, 34473
Active187 days on marketListed Jan 25, 2026MLS #OM717400
About this home
15040 SW 39TH CIRCLE
Beautiful two-story home featuring great lighting and tasteful colors throughout. The bedrooms are carpeted for added comfort, and the home offers a spacious, functional layout. Enjoy a large fenced-in yard ideal for outdoor living and entertaining.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,647
Sqft
0.34 ac
Lot size
2
Garage
2006
Year built
Two
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.
$176 /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
$176/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 MARION OAKS UN 02
$1 vs $165
Days on market
187 vs 43 typical
Where $1/sqft sits among the 10 homes for sale in MARION OAKS UN 02
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 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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
6 of 10
MARION OAKS UN 02 have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OCALA 34473 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 15040 SW 39TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$295,000
3984 SW 151ST ST · same community
4 bd · 3 ba · 1,865 sqft · $158/sqft · 117 DOM
Sold · Aug ’25$212,000
14402 SW 34TH TERRACE ROAD · same community
3 bd · 2.5 ba · 1,792 sqft · $118/sqft · 7 DOM
Sold · Aug ’25$255,000
15317 SW 65TH TERRACE ROAD · same community
3 bd · 2 ba · 1,660 sqft · $154/sqft · 84 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 15040 SW 39TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15040 SW 39TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15040 SW 39TH CIRCLE FAQs
What would the monthly payment be for 15040 SW 39TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/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 15040 SW 39TH CIRCLE?+
The listing reports pets: No. 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 $2,250, this home is listed about 99% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 15040 SW 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.
The brief
Three things that matter here
01Under the OCALA 34473 market on paper
$2,250 is 99% below the OCALA 34473 median of $250,000, and at $1/sqft it sits under the Ocala average of $204.
02Time on market is leverage
187 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $2,900, now $2,250 — a $650 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IDEAL PROPERTIES OF FLORIDA · Carolyn Day. MLS #OM717400.
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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