538 SW 45TH STREET, OCALA, FL, 34471
Active11 days on marketListed Sep 10, 2026MLS #OM731871
About this home
538 SW 45TH STREET
Move-in-ready two-story home with 4 bedrooms, 4 bathrooms, 3,934 sq ft under air, with a 4-car garage, all on 1.05 acres in the quiet neighborhood of Lemonwood. As you enter the home you are welcomed into the living room that opens to the second floor, with a floor to ceiling duel fireplace that offers each floor its own fire. Kitchen remodeled with new appliances; new flooring in kitchen and new carpet in both first floor bedrooms. Downstairs bath updated with new tile, vanity, and lighting; additional guest bathrooms refreshed and resurfaced, including a new vanity. Both the Primary and guest bedroom on the second floor have their own full bathroom. Beautiful Backyard area with a screened pool enclosure, a freshly painted pool deck, plus a new pump and upgraded multi color/function pool light. The pool was resurfaced with new marsite and tile in 2022. Original siding replaced with hardie board. Fresh exterior paint in 2025. A 27x15 ft game room offers flexible space for a man-cave, home business, or homeschool area. Front of the home includes two newer wood decks, updated landscaping, and recent tree work. 8-ft white vinyl fence on the sides and rear, with 6ft vinyl fence in the the front of the home. Well replaced September 2024. Additional updates include a new front door, updated lighting and blinds throughout, a water softener, new water heater, additional gutters, and a concrete driveway extension. Garages include 4 new doors, and 2 new motors, with fresh epoxy coating in first garage. Includes 3D virtual tour and floor plan. 3.1 mi to Publix at Grand Oaks Town Center, 10 minutes to the Heathbrook mall and movie theatre, 10 minutes to I-75 (Exit 350/SR-200), and approx. 12 minutes to Downtown Ocala. Come take a look today!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,934
Sqft
1.05 ac
Lot size
4
Garage
1982
Year built
Two
Levels
$212
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.
$5,813 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,813/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Ocala actives
$212 vs $180
Days on market
11 vs 53 typical
Where $212/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 → $283K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
224 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 178% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 538 SW 45TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,000,000
995 SW 37TH PLACE ROAD
5 bd · 5 ba · 4,083 sqft · $245/sqft · 209 DOM
Sold · Jun ’26$993,870
1015 SE 46TH STREET
4 bd · 3 ba · 4,090 sqft · $243/sqft · 119 DOM
Sold · Apr ’26$1,445,000
1020 SE 46TH STREET
4 bd · 4.5 ba · 4,095 sqft · $353/sqft · 3 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 538 SW 45TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 538 SW 45TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
538 SW 45TH STREET FAQs
What would the monthly payment be for 538 SW 45TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,813/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 538 SW 45TH STREET?+
The most recent tax bill on record (2025) was $10,016. 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 $835,000, this home is listed about 179% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 538 SW 45TH STREET?+
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 FLORIDA ADVANTAGE REALTY GROUP · Aaron Zmek. MLS #OM731871.
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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