4180 SW 103RD STREET ROAD, OCALA, FL, 34476
Active3 days on marketListed Oct 8, 2026MLS #OM733644
About this home
4180 SW 103RD STREET ROAD
Welcome to this beautifully maintained 4-bedroom, 3-bath home in the desirable Waterway Estates community of Southwest Ocala. Offering 2,229 heated square feet and 2,691 total square feet, this spacious residence features an open and inviting floor plan designed for comfortable living and entertaining. Enjoy a large family room with elegant tray ceilings, recessed lighting, and updated luxury vinyl plank flooring. The kitchen opens seamlessly to the dining and living areas and features stainless steel appliances, white cabinetry, and a convenient breakfast bar. Architectural details including arched openings and a welcoming foyer enhance the home’s character and charm. Situated on a fully fenced .46-acre lot, the property also offers a two-car garage, central heating and air conditioning, and attic fans throughout for added comfort and efficiency. Conveniently located in beautiful Southwest Ocala near shopping, dining, parks, and schools, this move-in-ready home provides the perfect combination of space, style, and functionality.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,229
Sqft
0.46 ac
Lot size
2007
Year built
One
Levels
$186
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.
$3,043 /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
$3,043/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
+9.5%
$/sqft vs OCALA WATERWAY ESTATE
$186 vs $181
Days on market
3 vs 75 typical
Where $186/sqft sits among the 16 homes for sale in OCALA WATERWAY ESTATE
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 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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)
6 of 16
OCALA WATERWAY ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4180 SW 103RD STREET ROAD
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$405,999
10160 SW 39TH TERRACE · same community
4 bd · 3.5 ba · 2,230 sqft · $182/sqft · 165 DOM
Sold · Jun ’26$410,000
10411 SW 42ND AVENUE · same community
4 bd · 3.5 ba · 2,230 sqft · $184/sqft · 166 DOM
Sold · Aug ’26$439,900
4190 SW 110TH LANE · same community
4 bd · 2 ba · 2,238 sqft · $197/sqft · 7 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4180 SW 103RD STREET ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4180 SW 103RD STREET ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4180 SW 103RD STREET ROAD FAQs
What would the monthly payment be for 4180 SW 103RD STREET ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,043/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 4180 SW 103RD STREET ROAD?+
The most recent tax bill on record (2025) was $3,073. 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 4180 SW 103RD STREET ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $415,000, this home is listed about 39% above the Ocala median of $299,430. The market section on this page shows how the area is trending.
Which schools are assigned to 4180 SW 103RD STREET ROAD?+
Horizon Academy At Marion Oaks (middle), Sunrise Elementary School (elementary), Dunnellon 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 RE/MAX PREMIER REALTY · David Melendez, Jr. MLS #OM733644.
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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