4045 SW 115TH TERRACE, OCALA, FL, 34481
Active3 days on marketListed Sep 18, 2026MLS #OM732475
About this home
4045 SW 115TH TERRACE
RUB A DUB DUB -- THIS ONE INCLUDES A HOT TUB!! Situated on a quiet and tranquil 1.14 acres in Rolling Hills, this 3-bedroom, 2-bath home with a 3-car garage is located on a paved road within 10 minutes of the World Equestrian Center! Step inside to an open floor plan highlighted by a striking wood-beam tray ceiling that adds warmth and dramatic flair. The kitchen gets its own splash of personality with a colorful custom backsplash that catches the eye and brightens the space. The split-bedroom floor plan provides plenty of privacy, with the primary suite tucked away on one side of the home. And speaking of the primary suite — bring on the glam! The elegant tub and shower area is topped off with a crystal chandelier, adding just the right touch of sparkle. On the opposite side of the home, you'll find two additional bedrooms, a full bath, and a conveniently located inside laundry room. Outside, relax and unwind in the hot tub — and yes, it stays! — while enjoying the peace and privacy of your 1.14-acre homesite. The entire property is electrically fenced for your four-legged friends, while beautiful, professionally installed landscaping adds the finishing touch to this peaceful setting. With plenty of personality inside and out, this home is ready to welcome you!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,801
Sqft
1.14 ac
Lot size
3
Garage
2024
Year built
One
Levels
$269
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.
$3,769 /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
$3,769/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
+15.7%
$/sqft vs Ocala actives
$269 vs $180
Days on market
3 vs 53 typical
Where $269/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 34481 — neighborhood snapshot
Population
25,668
Median age
68.5
Median income
$54,639
Median home value
$213,000
Avg household
1.9
Households w/ children
978
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)
223 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 103% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4045 SW 115TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$369,900
13882 SW 56TH LANE · same community
4 bd · 2 ba · 1,823 sqft · $203/sqft · 8 DOM
Sold · Mar ’26$296,500
4085 SW 117TH AVENUE ROAD · same community
3 bd · 2 ba · 1,757 sqft · $169/sqft · 7 DOM
Sold · Nov ’25$424,000
13069 SW 61ST PLACE ROAD · same community
3 bd · 2 ba · 1,714 sqft · $247/sqft · 14 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4045 SW 115TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4045 SW 115TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4045 SW 115TH TERRACE FAQs
What would the monthly payment be for 4045 SW 115TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,769/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 4045 SW 115TH TERRACE?+
The most recent tax bill on record (2025) was $6,474. 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 4045 SW 115TH TERRACE?+
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 $485,000, this home is listed about 62% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4045 SW 115TH TERRACE?+
West Port High School (high), Saddlewood Elementary School (elementary), Liberty Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$485,000 runs 103% above the OCALA 34481 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a Ocala market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ROBERTS REAL ESTATE INC · Lori Kovalenko. MLS #OM732475.
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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