3881 NW 46TH TERRACE, OCALA, FL, 34482
Active108 days on marketListed Apr 20, 2026MLS #OM723085
About this home
3881 NW 46TH TERRACE
Tucked at the end of quiet cul-de-sac in one of Ocala's most sought-after communities, this beautifully designed Rome model, built by Shea Homes, offers over 1,450 square feet of thoughtfully designed living space and a resort lifestyle to match. From the moment you step through the glass-insert front door, the craftsmanship is evident. Wood-look ceramic tile flows throughout the entire home, complemented by crown molding, volume ceilings, plantation shutters, and window blinds throughout. The open great room is ideal for entertaining, anchored by a chef's kitchen featuring solid cabinetry, granite countertops, stainless steel appliances, A lovely farmhouse sink, double oven, and gas cooking. The custom center island, finished with a striking live edge wood top which doubles your storage while serving as the design centerpiece of the home. Every appliance and major system is less than 8 years old, a true peace of mind from day one. The primary suite is a true retreat, complete with a spa-inspired ensuite featuring a seamless glass walk-in shower, dual granite vanities, a private water closet, walk-in closet, and additional linen storage. Guests will feel equally at home in the generous guest bedroom, served by a well-appointed bath with granite countertop and shower/tub combo. A dedicated office with a door offers flexible use as a third bedroom. Step outside to your screened lanai and take in peaceful pond views with no rear neighbors. The fully fenced backyard offers privacy and security, with a natural gas hookup ready for your grill and water access on the lanai for your plants. The oversized two-car garage and whole-home water softener round out a property that has truly been thought through. And then there's the community. Ocala Preserve is in a class of its own with a guarded, gated entrance into this neighborhood built around an 18-hole championship golf course and anchored by a full-service clubhouse and restaurant. Resort-style pools, a state-of-the-art fitness center, spa, tennis, pickleball, bocce ball, rock climbing, a dog park, and miles of bike and walking trails mean there's always something to do. Member-led clubs and activities make it easy to build a life here, not just a home. Best of all, the HOA includes basic cable, internet, lawn maintenance, and access to community pools and recreational facilities, so you can spend less time managing and more time living. This one won't last. Call David today for your private tour
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,454
Sqft
0.22 ac
Lot size
2
Garage
2018
Year built
One
Levels
$206
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.
$2,796 /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
$2,796/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
+17.9%
$/sqft vs Ocala actives
$206 vs $187
Days on market
108 vs 49 typical
Where $206/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)
162 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 15% above the OCALA 34482 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3881 NW 46TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$274,000
3966 NW 46TH TERRACE · same community
2 bd · 2 ba · 1,392 sqft · $197/sqft · 80 DOM
Sold · Feb ’26$285,000
4747 NW 35TH LANE ROAD · same community
2 bd · 2 ba · 1,666 sqft · $171/sqft · 425 DOM
Sold · Mar ’26$320,000
4845 NW 35TH LANE ROAD · same community
2 bd · 2 ba · 1,666 sqft · $192/sqft · 59 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3881 NW 46TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3881 NW 46TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3881 NW 46TH TERRACE FAQs
What would the monthly payment be for 3881 NW 46TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,796/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 3881 NW 46TH 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 3881 NW 46TH TERRACE?+
The most recent tax bill on record (2025) was $2,585. 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 3881 NW 46TH TERRACE?+
The listing reports pets: Number 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 Ocala?+
At $299,000, this home is priced right at the Ocala median.
Which schools are assigned to 3881 NW 46TH 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
$299,000 runs 15% above the OCALA 34482 median.
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
108 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 $315,000, now $299,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of INVICTUS REAL ESTATE LLC · David Culbreth. MLS #OM723085.
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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