2837 NE 3RD STREET UNIT 103, OCALA, FL, 34470
Active3 days on marketListed Aug 9, 2026MLS #OM730044
About this home
2837 NE 3RD STREET UNIT 103
Discover a spacious 2-bed condo in Ocala offering 1,148 square feet, two full bathrooms, a desirable first-floor location, updated vinyl flooring, and an enclosed Florida room. Located at 2837 NE 3rd Street #103 in Three Kings Condominium, this residence offers convenient access to downtown Ocala, shopping, dining, and Silver Springs State Park. Inside, the single-level floor plan features two bedrooms with built-in closets, two full bathrooms, central air and heat, and vinyl flooring. The kitchen includes a dishwasher, range, and refrigerator, while the enclosed Florida room provides additional space for relaxing, hobbies, or entertaining. Two assigned parking spaces are also included. Wondering what the $420 monthly HOA fee includes? When comparing monthly housing costs, it is important to look beyond the HOA amount itself. Water is included, eliminating a separate water bill and helping keep that portion of your monthly expenses more predictable. The HOA fee also includes exterior homeowners insurance for the condo, exterior maintenance, grounds maintenance, and access to on-site laundry facilities. Condo owners are responsible for their applicable interior and personal property insurance coverage. Instead of budgeting separately for water, exterior insurance, exterior maintenance, and grounds maintenance, these items are incorporated into one consistent monthly HOA payment, along with access to laundry facilities conveniently located on the premises. This 2-bed condo in Ocala combines comfortable living space with first-floor convenience and a location near many of Ocala's everyday amenities and recreational destinations. The property features public water and sewer, block construction, a slab foundation, no CDD fee, and is located in Flood Zone X. Association approval is required. Buyers should independently verify current HOA fees, insurance coverage, inclusions, amenities, rules, restrictions, leasing requirements, and approval procedures. If you are comparing Ocala condos based on total monthly housing expenses rather than the HOA fee alone, 2837 NE 3rd Street #103 is worth a closer look. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,148
Sqft
0.04 ac
Lot size
1972
Year built
One
Levels
$108
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 and the real association fee — not generic estimates.
$1,539 /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
$1,539/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
−10.4%
$/sqft vs Ocala actives
$108 vs $187
Days on market
3 vs 54 typical
Where $108/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)
179 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 36% below the OCALA 34470 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 2837 NE 3RD STREET UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$133,000
2843 NE 3RD STREET UNIT 109 · same community
2 bd · 2 ba · 1,148 sqft · $116/sqft · 48 DOM
Sold · Nov ’25$220,000
2810 SE 8TH STREET
3 bd · 2 ba · 1,144 sqft · $192/sqft · 313 DOM
Sold · Jan ’26$100,000
608 SE 31ST TERRACE
2 bd · 1 ba · 1,161 sqft · $86/sqft · 177 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 2837 NE 3RD STREET UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2837 NE 3RD STREET UNIT 103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2837 NE 3RD STREET UNIT 103 FAQs
What would the monthly payment be for 2837 NE 3RD STREET UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,539/mo — principal and interest, the actual property-tax bill, the $420/mo association fee 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.
How much are the HOA fees at 2837 NE 3RD STREET UNIT 103?+
The association fee works out to $420 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2837 NE 3RD STREET UNIT 103?+
The most recent tax bill on record (2025) was $2,096. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2837 NE 3RD STREET UNIT 103?+
The listing reports pets: Yes. 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 $123,900, this home is listed about 59% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2837 NE 3RD STREET UNIT 103?+
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
01Under the OCALA 34470 market on paper
$123,900 is 36% below the OCALA 34470 median of $195,000, and at $108/sqft it sits under the Ocala average of $206.
02Fresh on the market
Only 3 days on market in a Ocala market that averages 54 — if it fits, move quickly.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Elisha Lopez. MLS #OM730044.
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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