
1020 SW 32ND LANE, OCALA, FL, 34471
Active39 days on marketListed Sep 1, 2026MLS #OM731296
About this home
1020 SW 32ND LANE
PRIME OCALA LOCATION, GATED COMMUNITY, EXPANSIVE POOL HOME, AND A $13,000 BUYER CONCESSION! Location, space, and valuable buyer savings come together in this beautifully maintained Carriage Hill residence. Ideally situated in Southeast Ocala, this gated-community home places hospitals, medical facilities, shopping, dining, schools, parks, and Historic Downtown Ocala just minutes away. Even better, the seller is offering a $13,000 concession toward the buyer’s closing costs or an interest-rate buy down, subject to lender approval. Offering approximately 2,739 square feet of single-story living space, this three-bedroom, two-and-a-half-bath home provides generous room for everyday comfort, entertaining, working from home, and welcoming guests. A gracious entry opens to spacious living areas featuring cathedral ceilings, abundant natural light, and inviting views of the pool. Multiple gathering spaces provide flexibility for formal entertaining, casual relaxation, or creating a dedicated office or hobby area. A fireplace adds warmth and character, while glass doors create a seamless connection between the interior living spaces and the covered lanai. The beautifully updated kitchen is designed for both convenience and entertaining. Features include a large center island with a cooktop and breakfast-bar seating, double ovens, a spacious pantry, abundant cabinetry, and generous counter space. A sunny breakfast nook overlooking the pool offers the perfect setting for morning coffee, casual meals, or conversation while preparing dinner. The spacious primary suite provides a comfortable private retreat with a soaking tub and a distinctive atrium area just beyond the primary bathroom, bringing natural light and an outdoor-inspired atmosphere into the space. Two additional generously sized bedrooms provide comfortable accommodations for household members, overnight guests, or a home office. Situated on approximately one-third of an acre, the home’s expansive outdoor living area is one of its most impressive features. The screened enclosure surrounds a large in-ground pool and broad paver deck, while the covered lanai provides ample room for outdoor dining, lounge seating, celebrations, and year-round entertaining. Privacy fencing and mature landscaping create a welcoming setting for quiet evenings and memorable poolside gatherings. Additional features include an insulated two-car garage with air ducts and a dedicated storage area for tools, seasonal items, and household supplies. A roof installed in 2024 adds significant value and provides an important recent improvement for the next owner. With its convenient Southeast Ocala location, spacious single-story floor plan, impressive, screened pool enclosure, gated-community setting, and $13,000 seller concession, this Carriage Hill home presents an exceptional opportunity. Apply the concession toward eligible closing costs or an interest-rate buy down and make this well-located pool home your own.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,739
Sqft
0.31 ac
Lot size
2
Garage
1987
Year built
One
Levels
$181
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.
$3,675 /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
$3,675/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
−19.2%
$/sqft vs Ocala actives
$181 vs $180
Days on market
39 vs 75 typical
Where $181/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 → $284K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
213 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 71% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 1020 SW 32ND LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$510,000
2346 UPLAND LANE · same community
4 bd · 3.5 ba · 3,417 sqft · $149/sqft · 53 DOM
Sold · Apr ’26$520,000
2215 UPLAND LANE · same community
5 bd · 4.5 ba · 3,451 sqft · $151/sqft · 67 DOM
Sold · Mar ’26$620,000
4929 SW 2ND COURT
3 bd · 3 ba · 2,712 sqft · $229/sqft · 12 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 1020 SW 32ND LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1020 SW 32ND LANE — 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
1020 SW 32ND LANE FAQs
What would the monthly payment be for 1020 SW 32ND LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,675/mo — principal and interest, the actual property-tax bill, the $113/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 1020 SW 32ND LANE?+
The association fee works out to $113 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1020 SW 32ND LANE?+
The most recent tax bill on record (2025) was $3,269. 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 1020 SW 32ND LANE?+
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 $494,500, this home is listed about 65% above the Ocala median of $299,430. The market section on this page shows how the area is trending.
Which schools are assigned to 1020 SW 32ND LANE?+
Shady Hill Elementary School (elementary), Liberty Middle School (middle), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Cassandra Gardner. MLS #OM731296.
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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