
199 NW 45TH LOOP, OCALA, FL, 34475
Active20 days on marketListed Jul 15, 2026MLS #OM728553
About this home
199 NW 45TH LOOP
Looking for your next home? Don't miss this beautifully maintained 4-bedroom, 2-bathroom single-family home nestled in the sought-after St. James Park neighborhood in North Ocala. With 1,820 square feet of comfortable living space, this property offers everything you need to settle in and feel right at home from day one. The spacious open-concept layout is filled with warmth and natural light, featuring soft carpeting throughout the living areas and an eat-in kitchen that flows seamlessly into the main living space. The kitchen comes fully equipped with modern, state-of-the-art appliances — including a refrigerator — so you can move right in without a thing to worry about. A split floor plan provides added privacy, while the luxurious primary suite with its spa-like master bathroom gives you the retreat you deserve after a long day. What truly sets this home apart are the thoughtful extras already in place — window treatments installed throughout and a built-in water softener and purification system for enhanced everyday comfort. Step outside to a peaceful backyard with a beautiful view, perfect for relaxing mornings or quiet Florida evenings. St. James Park is a gated, peaceful community offering the best of suburban Florida living. You'll enjoy quiet streets and a welcoming neighborhood atmosphere while staying close to local shops, restaurants, schools, and everyday conveniences. Property Highlights: -4 Bedrooms | 2 Bathrooms -1,820 sq ft of living space -Built 2023 — like new throughout -Gated community in St. James Park, North Ocala -Open-concept layout with split floor plan -Modern appliances including refrigerator -Built-in water softener & purification system -Window treatments throughout -2-car attached garage & covered lanai -Close to schools, shops & diningNon-smoking home. Pet restrictions apply; fees may apply. First month's rent + security required at move-in. Renter's insurance required. Don't wait — homes like this don't last. Apply today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,825
Sqft
0.13 ac
Lot size
2
Garage
2023
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
20 vs 49 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 199 NW 45TH LOOP
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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 199 NW 45TH LOOP — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 199 NW 45TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
199 NW 45TH LOOP FAQs
What would the monthly payment be for 199 NW 45TH LOOP?+
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 199 NW 45TH LOOP?+
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 $1,800, 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 199 NW 45TH LOOP?+
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 REAL PROPERTY MGMT DIVERSIFIED · Nicole Petro. MLS #OM728553.
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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