523 BAHIA CIRCLE TERRACE, OCALA, FL, 34472
Active17 days on marketListed Sep 25, 2026MLS #OM732901
About this home
523 BAHIA CIRCLE TERRACE
Three-year-old 3/2/2 that feels like a private retreat on a double lot. Tucked beside a wide-open field and surrounded by a full white PVC fence, this home offers space, privacy, and a backyard you’ll actually want to use. Step outside onto the generous 20x30 patio featuring two cedar structures: a pergola for evening gatherings and a grill gazebo ready for weekend cookouts. Add some string lights, grass, and open sky, and you have the perfect outdoor setup. Inside, the living area is the heart of the home, with a custom-built fireplace, unique rustic flooring, and an open flow into the kitchen. Wood cabinetry with soft-close drawers, Series 3 custom-order granite, and a spacious island with seating make the kitchen both functional and inviting. Six-inch baseboards, an indoor laundry room, and thoughtful finishes throughout add to the home's well-maintained, finished feel. The two-car garage, landscaped front yard, and large 10x16 shed that stays with the property provide plenty of additional storage and practical space. The home is scheduled to be connected to city water and sewer, while the existing well remains in the backyard for continued use. New enough to avoid the typical renovation list, but established enough to already feel like home. With a fenced double lot, an outdoor space made for enjoying Florida living, and a comfortable mix of rustic character and modern finishes, this home is ready for its next owner.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,571
Sqft
0.41 ac
Lot size
2
Garage
2022
Year built
One
Levels
$201
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.
$2,325 /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
$2,325/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
+19.9%
$/sqft vs Ocala actives
$201 vs $181
Days on market
17 vs 74 typical
Where $201/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 34472 — neighborhood snapshot
Population
34,665
Median age
40.1
Median income
$61,635
Median home value
$185,900
Avg household
2.67
Households w/ children
3,980
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)
221 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 47% above the OCALA 34472 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 523 BAHIA CIRCLE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$263,900
6 BAHIA CIRCLE LOOP · same community
3 bd · 3 ba · 1,522 sqft · $173/sqft · 47 DOM
Sold · Oct ’26$299,900
537 BAHIA CIRCLE DR · same community
3 bd · 2 ba · 1,502 sqft · $200/sqft · 5 DOM
Sold · Jun ’26$251,500
980 SILVER ROAD
3 bd · 2 ba · 1,628 sqft · $154/sqft · 180 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 523 BAHIA CIRCLE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 523 BAHIA CIRCLE TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
523 BAHIA CIRCLE TERRACE FAQs
What would the monthly payment be for 523 BAHIA CIRCLE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,325/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 523 BAHIA CIRCLE TERRACE?+
The most recent tax bill on record (2025) was $2,056. 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 $315,000, this home is listed about 5% above the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 523 BAHIA CIRCLE TERRACE?+
Legacy Elementary School (elementary), Lake Weir High School (high), Lake Weir 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 ASHLAR REALTY · Lane White. MLS #OM732901.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 523 BAHIA CIRCLE TERRACE but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frederick to ping you on any price or status change →