45 PINE CIRCLE, OCALA, FL, 34472
Active12 days on marketListed Jul 7, 2026MLS #OM728051
About this home
45 PINE CIRCLE
Welcome to this 3-bedroom, 2-bathroom home located in Silver Springs Shores! This split-bedroom floor plan offers added privacy, with the spacious primary suite situated on one side of the home and the two additional bedrooms on the opposite side.The primary bedroom features a private ensuite bathroom and a large walk-in closet. The kitchen is equipped with stainless steel appliances and next to the one car garage. Step outside to enjoy the large, fully fenced in backyard. RentalRequirements: First month's rent, last month's rent, and a security deposit are due at lease signing. Call today to schedule your tour.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,280
Sqft
0.23 ac
Lot size
1
Garage
2003
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.
$172 /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
$172/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 SILVER SPGS SHORES UN 09
$1 vs $183
Days on market
12 vs 43 typical
Where $1/sqft sits among the 10 homes for sale in SILVER SPGS SHORES UN 09
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 34472 — neighborhood snapshot
Population
34,665
Median age
40.1
Median income
$61,635
Median home value
$185,900
Avg household
2.67
Households w/ children
3,980
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)
2 of 10
SILVER SPGS SHORES UN 09 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 34472 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 45 PINE 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$250,000
12 PINE TRACE TERRACE · same community
3 bd · 2 ba · 1,254 sqft · $199/sqft · 18 DOM
Sold · Sep ’25$192,000
4 PINE PASS TERRACE · same community
3 bd · 2 ba · 1,248 sqft · $154/sqft · 193 DOM
Sold · Jul ’26$244,900
3 CEDAR PASS · same community
3 bd · 2 ba · 1,315 sqft · $186/sqft · 15 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 45 PINE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 PINE CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
45 PINE CIRCLE FAQs
What would the monthly payment be for 45 PINE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/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 45 PINE CIRCLE?+
The listing reports pets: No. 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 $1,650, this home is listed about 99% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 45 PINE CIRCLE?+
Forest High School (high), Legacy Elementary School (elementary), Lake Weir 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 DECCA REAL ESTATE · Cindy Casco. MLS #OM728051.
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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