4475 NW 1ST TERRACE, OCALA, FL, 34475
Active44 days on marketListed Jun 24, 2026MLS #OM727255
About this home
4475 NW 1ST TERRACE
Stunning single-story residence currently available in the thriving St. James Park community. This modern property features four bedrooms and three bathrooms, expertly combining durability with a sophisticated architectural style. The home offers a spacious open-concept layout designed for contemporary living. Key highlights include a sleek kitchen with a central island, a two-car garage, and a luxurious master suite complete with dual sinks and a soaking tub. PETS ARE NOT ACCEPTED. *Inapplicable to assistance animals. RESIDENT BENEFIT PACKAGE Elevate your living experience! Every PURE home includes our Resident Benefits Package ranging from $25.99 - $49.99 and may include perks such as on-demand pest control, liability insurance, credit building, and much more! SECURITY DEPOSIT INFORMATION Pay the traditional security deposit amount, or reduce your move-in costs with our Security Deposit Waiver Program. Eligible applicants can replace the traditional security deposit with an affordable monthly fee. While you remain responsible to pay any damages upon move-out, this program offers substantial upfront savings at move-in! AMENITIES AND SERVICES INCLUDED Moving in just got easier! PURE Utility Concierge services at no extra cost, making your transition smooth and simple. All information provided is deemed reliable and accurate but not guaranteed. Prospective residents are responsible for verifying all property details and conditions to their satisfaction prior to submitting an application. Please be aware that we do not advertise on Craigslist. We do not accept applications from 3rd party services including Zillow. Visit our website for more information and to apply. Note: This property is governed by a Homeowners Association (HOA). Prospective tenants should be aware of and willing to comply with all HOA rules and regulations. **Reach out TODAY to schedule a showing** **No pets allowed** RESIDENT BENEFIT PACKAGE - Elevate your living experience! Every PURE home includes our Resident Benefits Package ranging from $25.99 - $49.99 and may include perks such as on-demand pest control, liability insurance, credit building, and much more! SECURITY DEPOSIT INFORMATION - Pay the traditional security deposit amount, or reduce your move-in costs with our Security Deposit Waiver Program. Eligible applicants can replace the traditional security deposit with an affordable monthly fee. While you remain responsible to pay any damages upon move-out, this program offers substantial upfront savings at move-in! AMENITIES AND SERVICES INCLUDED Moving in just got easier! PURE Utility Concierge services at no extra cost, making your transition smooth and simple. All information provided is deemed reliable and accurate but not guaranteed. Prospective residents are responsible for verifying all property details and conditions to their satisfaction prior to submitting an application. Please be aware that we do not advertise on Craigslist. We do not accept applications from 3rd party services including Zillow. Visit our website for more information and to apply.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,826
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /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
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 ST JAMES PARK
$1 vs $188
Days on market
44 vs 50 typical
Where $1/sqft sits among the 6 homes for sale in ST JAMES PARK
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 34475 — neighborhood snapshot
Population
14,812
Median age
36.1
Median income
$33,515
Median home value
$170,300
Avg household
2.65
Households w/ children
1,649
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)
1 of 6
ST JAMES PARK have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OCALA 34475 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4475 NW 1ST TERRACE
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$324,000
4295 NW 1ST COURT ROAD · same community
4 bd · 3 ba · 1,810 sqft · $179/sqft · 132 DOM
Sold · Mar ’26$239,500
4497 NW 1 ST TERRACE · same community
4 bd · 3 ba · 1,797 sqft · $133/sqft · 201 DOM
Sold · Apr ’26$242,000
4475 NW 1 ST TERRACE · same community
4 bd · 3 ba · 1,797 sqft · $135/sqft · 209 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4475 NW 1ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4475 NW 1ST TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4475 NW 1ST TERRACE FAQs
What would the monthly payment be for 4475 NW 1ST TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4475 NW 1ST TERRACE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Monthly Pet Fee. 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 $1,800, this home is listed about 99% below the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 4475 NW 1ST TERRACE?+
Vanguard High School (high), Howard Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PURE OPERATING LLC · Lisa Reed. MLS #OM727255.
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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