13718 SW 40TH CIRCLE, OCALA, FL, 34473
Active138 days on marketListed Mar 8, 2026MLS #OM720355
About this home
13718 SW 40TH CIRCLE
No HOA, no CDD, and plenty of flexibility! This spacious 3-bedroom, 3-bath home with an in-law suite offers the kind of versatility that’s hard to find. The in-law suite features its own private entrance, full kitchen, and bathroom, making it ideal for extended family, guests, or potential rental income. Inside the main living area, you’ll find spacious bedrooms, tile flooring throughout, granite countertops, and updated appliances that add both function and style. There’s also a Florida room with A/C, giving you even more usable space for a home office, guest area, additional bedroom, or flex room to fit your needs. The big-ticket updates are already handled, including a newer roof from 2021, HVAC only year old, and a new drain field installed in 2020—giving you added peace of mind from day one. Step outside and enjoy a fully fenced backyard with mature citrus trees, because fresh fruit from your own yard is never a bad thing. Conveniently located near shopping, dining, SR 200, and HWY 484, this home also sits near community amenities including a park, splash pad, library, and gym access for just $15 a year. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,042
Sqft
0.23 ac
Lot size
2
Garage
1987
Year built
One
Levels
$140
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 — not generic estimates.
$2,124 /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
$2,124/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.
$/sqft vs MARION OAKS UN 01
$140 vs $179
Days on market
138 vs 43 typical
Where $140/sqft sits among the 24 homes for sale in MARION OAKS UN 01
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)
11 of 24
MARION OAKS UN 01 have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the OCALA 34473 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 13718 SW 40TH CIRCLE
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$304,000
3172 SW 137TH LOOP · same community
4 bd · 2 ba · 1,878 sqft · $162/sqft · 82 DOM
Sold · Dec ’25$304,000
420 MARION OAKS COURSE · same community
4 bd · 3 ba · 1,865 sqft · $163/sqft · 235 DOM
Sold · Mar ’26$370,000
2755 SW 140TH LOOP · same community
4 bd · 3 ba · 2,222 sqft · $167/sqft · 14 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13718 SW 40TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13718 SW 40TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13718 SW 40TH CIRCLE FAQs
What would the monthly payment be for 13718 SW 40TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,124/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 13718 SW 40TH CIRCLE?+
The most recent tax bill on record (2025) was $1,930. 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 $284,900, this home is listed about 5% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13718 SW 40TH 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
01Positioned at the premium end
$284,900 runs 12% above the OCALA 34473 median — but at 2,042 sqft it's also 18% larger than the typical Ocala listing.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
138 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steven Billington. MLS #OM720355.
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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