3963 SE 15TH STREET, OCALA, FL, 34471
Active28 days on marketListed Jul 10, 2026MLS #OM728230
About this home
3963 SE 15TH STREET
Classic Elegance Meets Everyday Comfort in the Heart of Southeast Ocala Welcome to this beautifully maintained 3-bedroom, 2-bath ranch-style pool home offering 2,202 square feet of thoughtfully designed living space on a beautifully landscaped 0.37-acre corner lot in the established Crestwood neighborhood. Conveniently located just minutes from downtown Ocala, hospitals, shopping, dining, parks, and top-rated schools, this home combines timeless character with exceptional outdoor living. Step through the decorative glass front door into a welcoming foyer that sets the tone for this inviting residence. The formal living and dining rooms provide elegant spaces for entertaining, featuring classic finishes, decorative lighting, and abundant natural light. The spacious family room is the heart of the home, showcasing a striking floor-to-ceiling stone fireplace with gas insert, built-in features, and direct access to the screened lanai and pool area. The bright kitchen offers generous cabinetry, stone countertops, ample workspace, an eat-in dining area, and overlooks the backyard, making it ideal for everyday living. The primary suite features a walk-in closet and private bath, while three additional bedrooms provide flexibility for family, guests, or a home office. Outdoor living truly shines with a large, covered lanai overlooking the sparkling screened-in ground pool. Beyond the pool enclosure, the spacious fenced backyard includes mature landscaping, a charming gazebo, and plenty of room for gardening, pets, or future outdoor enhancements. Additional features include Attached 2-car garage, Natural gas heat and gas fireplace, public water and sewer, irrigation system, storage shed, and no HOA. This is a rare opportunity to own a solidly built home with timeless appeal, generous indoor and outdoor living spaces, and an unbeatable Southeast Ocala location.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,202
Sqft
0.37 ac
Lot size
2
Garage
1973
Year built
One
Levels
$177
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.
$2,794 /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
$2,794/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
+6.5%
$/sqft vs Ocala actives
$177 vs $187
Days on market
28 vs 50 typical
Where $177/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 34471 — neighborhood snapshot
Population
26,031
Median age
44.2
Median income
$60,283
Median home value
$292,200
Avg household
2.31
Households w/ children
2,491
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 28% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3963 SE 15TH STREET
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$335,000
4602 SE 28TH STREET
4 bd · 2.5 ba · 2,220 sqft · $151/sqft · 213 DOM
Sold · Sep ’25$520,000
2703 SE 48TH AVENUE
3 bd · 2.5 ba · 2,259 sqft · $230/sqft · 30 DOM
Sold · Jul ’26$425,000
2632 SE 28TH LANE
4 bd · 2 ba · 2,297 sqft · $185/sqft · 14 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3963 SE 15TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3963 SE 15TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3963 SE 15TH STREET FAQs
What would the monthly payment be for 3963 SE 15TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,794/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 3963 SE 15TH STREET?+
The most recent tax bill on record (2025) was $1,989. 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 $389,900, this home is listed about 30% above the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 3963 SE 15TH STREET?+
Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest 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
$389,900 runs 28% above the OCALA 34471 median — but at 2,202 sqft it's also 28% larger than 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.
03Strong assigned schools
Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Cassandra Gardner. MLS #OM728230.
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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