3970 SE 39TH CIRCLE, OCALA, FL, 34480
Active117 days on marketListed May 27, 2026MLS #OM725467
About this home
3970 SE 39TH CIRCLE
Private 1.08-acre estate in the gated community of the Arbors, near shopping, hospitals, and dining. This 4-bedroom, 4-bath home with a dedicated office offers over 4,053 sq ft of upgraded living space with no rear neighbors. Built in 2006, the home features 12–16 ft ceilings, travertine flooring, designer lighting, and quartz countertops throughout. Recent upgrades include a new roof (2024), new HVAC system (2025), new windows and doors (2025), an assumable solar panel system (2024), and solar pool heating. The gourmet kitchen includes updated cabinetry, an induction cooktop, and a double-drawer Café Series dishwasher, opening to a wet bar and main living area. The screened lanai features a full outdoor kitchen overlooking the pool, updated with new marcite/gunite, a new skimmer, and a gas heater. Additional features include a 3-car garage, concrete slab with double-gate access for boat parking, Hunter irrigation, patio blinds, remote-controlled attic stairs, custom closets, and a whole-house Generac generator. Front fountain, lush landscaping, and vinyl privacy fencing complete the curb appeal. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,053
Sqft
1.08 ac
Lot size
3
Garage
2006
Year built
One
Levels
$237
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.
$6,580 /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
$6,580/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
−19.2%
$/sqft vs Ocala actives
$237 vs $179
Days on market
117 vs 53 typical
Where $237/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 → $283K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
224 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 218% above the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3970 SE 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 · Mar ’26$680,000
3950 SE 39TH CIRCLE · same community
4 bd · 3 ba · 3,371 sqft · $202/sqft · 73 DOM
Sold · Mar ’26$720,000
3940 SE 39TH CIRCLE · same community
4 bd · 4 ba · 3,352 sqft · $215/sqft · 167 DOM
Sold · Jul ’26$615,000
3755 SE 40TH STREET · same community
3 bd · 3 ba · 2,740 sqft · $224/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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3970 SE 39TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3970 SE 39TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3970 SE 39TH CIRCLE FAQs
What would the monthly payment be for 3970 SE 39TH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,580/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 3970 SE 39TH CIRCLE?+
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 3970 SE 39TH CIRCLE?+
The most recent tax bill on record (2025) was $9,066. 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 3970 SE 39TH CIRCLE?+
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 $959,900, this home is listed about 221% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3970 SE 39TH CIRCLE?+
Shady Hill Elementary School (elementary), Belleview High School (high), Belleview 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
$959,900 runs 218% above the OCALA 34480 median — but at 4,053 sqft it's also nearly twice the size of the typical Ocala listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
117 days on market against a Ocala median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $999,500, now $959,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PROFESSIONAL REALTY OF OCALA · Steph Hopson. MLS #OM725467.
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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