5320 SW 39TH STREET, OCALA, FL, 34474
Active19 days on marketListed Sep 21, 2026MLS #OM732559
About this home
5320 SW 39TH STREET
Welcome home to this spacious 4-bedroom, 2.5-bath home with 2,386 square feet of living space located in the Saddle Creek neighborhood of Fore Ranch. The welcoming entry features tile flooring and leads into the dining area with LVP flooring, overhead lighting, and convenient pull-down shades. The open kitchen offers granite countertops, stainless steel appliances including a Samsung electric range, soft-close drawers, a pantry, and an eat-in dining area with tile flooring and overhead lighting. From the kitchen, sliding glass doors with sliding blinds lead to the screened lanai, while the adjacent living room features a high ceiling and impressive three-panel sliding doors that open to the lanai, creating a great flow for entertaining. The screened lanai includes recessed lighting and overlooks a landscaped backyard with mature bushes providing added privacy. The primary suite is located on the first floor and features LVP flooring, a ceiling fan, 3 windows with blinds, and a spacious ensuite bath with an extended double vanity, soaking tub, tiled shower with glass-look enclosure, linen closet, and walk-in closet. A convenient first-floor 1/2 bath and laundry room complete the main level, with tile flooring, a large closet, wire shelving, and a Kenmore washer and dryer. Upstairs, the open loft provides additional flexible living space with LVP flooring, 2 windows with blinds, and a ceiling fan. Three additional bedrooms feature LVP flooring, closets, ceiling fans, and windows with blinds, while the 2nd full bath offers tile flooring, a single vanity, tub/shower combination, and linen closet. This well-maintained home offers a versatile layout with spacious living areas, a first-floor primary suite, upstairs loft, and a screened outdoor living space. Additional features include a new roof (2023) and freshly painted interior. Don't Miss the opportunity to make this house your next home!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,386
Sqft
0.17 ac
Lot size
2
Garage
2011
Year built
Two
Levels
$147
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.
$2,689 /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
$2,689/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
+13%
$/sqft vs Ocala actives
$147 vs $180
Days on market
19 vs 74 typical
Where $147/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34474 — neighborhood snapshot
Population
20,497
Median age
38.4
Median income
$62,150
Median home value
$177,800
Avg household
2.39
Households w/ children
2,288
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)
222 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 30% above the OCALA 34474 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 5320 SW 39TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,096,500
7131 SADDLE CREEK CIRCLE · same community
4 bd · 2.5 ba · 2,414 sqft · $454/sqft · 6 DOM
Sold · Jul ’26$1,310,000
7088 SADDLE CREEK LANE · same community
4 bd · 3 ba · 2,510 sqft · $522/sqft · 76 DOM
Sold · Aug ’26$999,900
7783 SADDLE CREEK TRAIL · same community
3 bd · 2 ba · 2,195 sqft · $456/sqft · 72 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 5320 SW 39TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5320 SW 39TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5320 SW 39TH STREET FAQs
What would the monthly payment be for 5320 SW 39TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,689/mo — principal and interest, the actual property-tax bill, the $87/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 5320 SW 39TH STREET?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5320 SW 39TH STREET?+
The most recent tax bill on record (2025) was $2,734. 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 5320 SW 39TH 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 $349,900, this home is listed about 17% above the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 5320 SW 39TH STREET?+
College Park Elementary School (elementary), West Port High School (high), Liberty Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD REAL EST · Shelby Correia. MLS #OM732559.
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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