4431 NE 4TH STREET, OCALA, FL, 34470
Active0 days on marketListed Aug 26, 2026MLS #OM731010
About this home
4431 NE 4TH STREET
Welcome to this beautifully maintained 3 bedroom, 2 bath villa with a 2 car garage, tucked away in a sought after neighborhood just a short drive from downtown Ocala. From the moment you step inside, it’s easy to see how lovingly this home has been cared for. The spacious family room features a gas fireplace flanked by custom cabinetry and flows into the dining room and kitchen, creating a comfortable layout for both everyday living and entertaining. The kitchen offers an abundance of wood cabinetry, newer granite countertops and backsplash, along with a new refrigerator, stove and microwave added in 2025. A generous eat-in area provides plenty of room for a breakfast table. The primary suite is a relaxing retreat, highlighted by a beautifully renovated bath completed in 2024 at a cost of over $30,000. Updates include a wood vanity, new shower with seamless glass doors and a built-in storage cabinet designed to complement the cabinetry. A walk-in closet with custom built-ins completes the owner’s suite. Two additional bedrooms share an updated guest bath. Just off the family room, the sunroom offers another inviting place to relax, with sliding glass doors opening to the beautifully landscaped and peaceful backyard. Recent improvements include a new roof in 2023, HVAC in 2022, motorized window shades throughout, updated light fixtures, exterior paint in 2022 and pavers along the patio, walkway and driveway. Bamboo flooring is in all living spaces and tile flooring is found in kitchen and both baths. With so many thoughtful updates already completed, this villa is truly move-in ready and waiting for its new owners to simply settle in and enjoy.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,847
Sqft
0.12 ac
Lot size
2
Garage
2001
Year built
One
Levels
$178
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.
$2,521 /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
$2,521/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.
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 → $283K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 57% above the OCALA 34470 median. See the full Ocala market guide →
Paper trail
This home's history
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 4431 NE 4TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4431 NE 4TH 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
4431 NE 4TH STREET FAQs
What would the monthly payment be for 4431 NE 4TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,521/mo — principal and interest, the actual property-tax bill, the $32/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 4431 NE 4TH STREET?+
The association fee works out to $32 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4431 NE 4TH STREET?+
The most recent tax bill on record (2025) was $2,963. 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 4431 NE 4TH STREET?+
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 $329,000, this home is listed about 10% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4431 NE 4TH STREET?+
Fort King Middle School (middle), Vanguard High School (high), Ocala Springs Elementary School (elementary) — Marion County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of ROBERTS REAL ESTATE INC · Mary Beth Elliott. MLS #OM731010.
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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