3903 SE 38TH LOOP, OCALA, FL, 34480
Active56 days on marketListed May 26, 2026MLS #OM725417
About this home
3903 SE 38TH LOOP
Forget today’s high rates—you can buy this home with an interest rate under 6%! This is an incredibly rare, unheard-of opportunity in this market. Don't let this one slip away! This is a Certified Pre-Owned Home -- and that changes everything. Before you ever make an offer, a licensed home inspector has already been through this home top to bottom. You get the full report at no cost. No surprises. No guessing. Just confidence. And it doesn't stop there -- your purchase comes with a 12-month Home Warranty AND our 18-month Satisfaction Guarantee: love this home, or we will buy it back or sell it for free. You won't find that anywhere else. As an added bonus you also qualify for a 1% lender credit at closing if you use our preferred lender. Welcome to your private sanctuary in The Arbors, one of Southeast Ocala’s most coveted gated communities. This beautifully updated 3-bedroom, 3-bathroom residence—featuring a flexible office or 4th bedroom. The interior boasts a seamless flow, highlighted by stunning new flooring throughout the main living areas. new roof in 2022. Complementing this major upgrade is an expansive, fully fenced-in backyard, providing a secure and private haven for pets to roam, children to play, or for hosting weekend gatherings. Whether you're looking for a spacious floorplan or an outdoor retreat, this property delivers on both fronts.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,347
Sqft
0.76 ac
Lot size
2
Garage
2008
Year built
One
Levels
$245
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.
$4,113 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,113/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+60.9%
$/sqft vs Ocala actives
$245 vs $180
Days on market
56 vs 43 typical
Where $245/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 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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)
154 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 105% above the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3903 SE 38TH LOOP
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$215,000
158 EDGEWOOD DRIVE · same community
2 bd · 2 ba · 1,480 sqft · $145/sqft · 12 DOM
Sold · Dec ’25$160,000
191 PALM AIR DRIVE · same community
2 bd · 2 ba · 1,376 sqft · $116/sqft · 475 DOM
Sold · Mar ’26$720,000
3940 SE 39TH CIRCLE · same community
4 bd · 4 ba · 3,352 sqft · $215/sqft · 167 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
Lyra Rae
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3903 SE 38TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3903 SE 38TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Lyra's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3903 SE 38TH LOOP FAQs
What would the monthly payment be for 3903 SE 38TH LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,113/mo — principal and interest, the actual property-tax bill, the $125/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 3903 SE 38TH LOOP?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3903 SE 38TH LOOP?+
The most recent tax bill on record (2025) was $6,122. 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 3903 SE 38TH LOOP?+
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 $574,900, this home is listed about 92% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3903 SE 38TH LOOP?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL REALTY SOLD GUARANTEE · Scott Coldwell. MLS #OM725417.
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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