428 NE 21ST TERRACE, OCALA, FL, 34470
Active65 days on marketListed Jun 2, 2026MLS #OM725834
About this home
428 NE 21ST TERRACE
Welcome home to this beautifully updated 3-bedroom, 2-bath residence tucked away on a dead-end street in a conveniently located neighborhood close to Ft King Middle School and Wyomina Park Elementary School and just minutes from downtown, and within walking distance to Heritage Nature Park. This move-in-ready home offers comfort, style, and plenty of outdoor space. Step inside to discover modern floating laminate flooring throughout the home (original hardwood floors are still underneath), creating a seamless and contemporary feel. The updated kitchen features stylish finishes including granite countertops and updated appliances. Both bathrooms have been tastefully renovated for a fresh, modern look, which include large walk-in shower in main bathroom. Other updated features include AC in 2023, windows 2021 and window blinds in 2017. ROOF JUST COMPLETED JUNE 2026 Enjoy relaxing or entertaining on the wooden deck in the large fenced backyard, perfect for pets, kids, or gatherings. The double gate on one side can accommodate a boat or RV to be stored in the back yard.. The other side has a single gate to get to the spacious storage shed that adds extra storage convenience for tools or equipment. This home combines quiet neighborhood living with easy access to shopping, dining, entertainment, and downtown amenities. Don’t miss your opportunity to own this updated gem in a fantastic location. Motivated sellers.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,272
Sqft
0.25 ac
Lot size
1962
Year built
One
Levels
$196
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.
$1,807 /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
$1,807/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
+15.4%
$/sqft vs Ocala actives
$196 vs $187
Days on market
65 vs 49 typical
Where $196/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 34470 — neighborhood snapshot
Population
21,521
Median age
40.1
Median income
$49,592
Median home value
$171,500
Avg household
2.29
Households w/ children
2,267
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)
163 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 16% above the OCALA 34470 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 428 NE 21ST TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$235,000
2830 SE 7TH STREET
3 bd · 2 ba · 1,254 sqft · $187/sqft · 130 DOM
Sold · Mar ’26$216,000
746 SE 29TH TERRACE
3 bd · 2 ba · 1,300 sqft · $166/sqft · 43 DOM
Sold · Apr ’26$195,000
2930 SE 13TH STREET
4 bd · 1 ba · 1,196 sqft · $163/sqft · 105 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 428 NE 21ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 428 NE 21ST TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
428 NE 21ST TERRACE FAQs
What would the monthly payment be for 428 NE 21ST TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,807/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 428 NE 21ST TERRACE?+
The most recent tax bill on record (2025) was $787. 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 $249,900, this home is listed about 16% below the Ocala median of $298,819. The market section on this page shows how the area is trending.
Which schools are assigned to 428 NE 21ST TERRACE?+
Ward-Highlands Elementary School (elementary), Fort King Middle School (middle), Vanguard 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
$249,900 runs 16% above the OCALA 34470 median.
02Strong assigned schools
Ward-Highlands Elementary School, Fort King Middle School, Vanguard High School — Ward-Highlands Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $250,000, now $249,900 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PROPERTIES · Linda Kress. MLS #OM725834.
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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