1540 SE 187TH AVENUE, SILVER SPRINGS, FL, 34488
Active43 days on marketListed Sep 25, 2026MLS #OM732837
About this home
1540 SE 187TH AVENUE
Welcome home to peaceful Florida living! This beautiful 2024-built 3-bedroom, 2-bath home offers modern comfort, an inviting open floor plan, and the freedom of NO HOA! Nestled on a spacious 0.26-acre lot, this move-in-ready home gives you room to relax, entertain, garden, and enjoy the laid-back Florida lifestyle. Step inside to a bright and welcoming living space featuring an open kitchen and family room, beautiful skylights that bring in natural light, and a desirable split-bedroom layout that provides privacy for everyone. The spacious primary suite includes a walk-in closet and private en-suite bathroom, while the additional bedrooms offer plenty of flexibility for family, guests, a home office, or hobbies. Step outside onto the rear porch and enjoy your own slice of peaceful Florida. With a metal roof, central heating and air, well water, septic, paved road access, and no monthly HOA fees, this property combines comfort, privacy, and affordability. And the location makes it even more appealing! Enjoy easy access to Silver Springs State Park, kayaking, fishing, camping, hiking trails, lakes, and the natural beauty of Central Florida. Newer home. Spacious lot. No HOA. Peaceful setting. Florida lifestyle. If you're looking for a place where you can slow down, spread out, and truly enjoy homeownership, this Silver Springs gem is ready for you! Come see it before someone else calls it home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,244
Sqft
0.26 ac
Lot size
2024
Year built
One
Levels
$153
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.
$1,561 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,561/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−12.5%
$/sqft vs Silver Springs actives
$153 vs $145
Days on market
43 vs 51 typical
Where $153/sqft sits among the 62 Silver Springs 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 Silver Springs
Get to know Silver Springs. See the full Silver Springs guide →
SILVER SPRINGS 34488 — neighborhood snapshot
Population
11,447
Median age
48.9
Median income
$43,438
Median home value
$90,300
Avg household
2.24
Households w/ children
1,187
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Silver Springs market
$120K → $132K
Silver Springs median sold, yr/yr
94.3%
Sale-to-list ratio (12 mo)
28 of 62
Silver Springs actives have cut their price
Median sold price, Silver Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% above the SILVER SPRINGS 34488 median. See the full Silver Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 1540 SE 187TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$370,000
140 S ZUNI ROAD · same community
4 bd · 2.5 ba · 2,140 sqft · $173/sqft · 165 DOM
Sold · Jun ’26$435,000
511 WHISTLING DUCK TRL · same community
4 bd · 2.5 ba · 2,328 sqft · $187/sqft · 63 DOM
Sold · Apr ’26$437,000
5232 STEPHS FIELD STREET · same community
4 bd · 2.5 ba · 2,468 sqft · $177/sqft · 29 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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1540 SE 187TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1540 SE 187TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1540 SE 187TH AVENUE FAQs
What would the monthly payment be for 1540 SE 187TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,561/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 1540 SE 187TH AVENUE?+
The most recent tax bill on record (2025) was $157. 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 Silver Springs?+
At $189,900, this home is listed about 3% below the Silver Springs median of $194,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1540 SE 187TH AVENUE?+
Ocala Springs Elementary School (elementary), Fort King Middle School (middle), Vanguard 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 DALTON WADE INC · Tori Freeman. MLS #OM732837.
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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