22340 NE 77TH TERRACE ROAD, CITRA, FL, 32113
Active2 days on marketListed Sep 18, 2026MLS #R4912038
About this home
22340 NE 77TH TERRACE ROAD
Welcome to this charming 3-bedroom, 2-bath home in Ocala, nestled in a peaceful, tree-lined setting surrounded by mature oaks and beautiful natural scenery. The home features laminate flooring throughout, an inviting open layout, and plenty of windows bringing in natural light. The spacious kitchen and living areas provide comfortable everyday living and entertaining space. Step outside to enjoy the large wooden deck and stairs, perfect for relaxing and taking in the tranquil surroundings. The property offers a private, wooded feel while still providing convenient access to all that Ocala has to offer. A great opportunity for anyone looking for comfortable living with plenty of outdoor space and a quiet Florida setting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,340
Sqft
4.82 ac
Lot size
1985
Year built
One
Levels
$120
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.
$2,126 /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
$2,126/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.
$/sqft vs Citra actives
$120 vs $181
Days on market
2 vs 72 typical
Where $120/sqft sits among the 41 Citra 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 Citra
Get to know Citra. See the full Citra guide →
The numbers that matter
The Citra market
$221K → $340K
Citra median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
24 of 41
Citra actives have cut their price
Median sold price, Citra, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the Citra median. See the full Citra market guide →
Paper trail
This home's history
Reality check
What actually sold near 22340 NE 77TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$125,000
8741 E HIGHWAY 318
2 bd · 1 ba · 672 sqft · $186/sqft · 81 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 22340 NE 77TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22340 NE 77TH TERRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22340 NE 77TH TERRACE ROAD FAQs
What would the monthly payment be for 22340 NE 77TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,126/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 22340 NE 77TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $2,338. 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 Citra?+
At $279,900, this home is listed about 1% above the Citra median of $276,389. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of MILLSHIRE REALTY · Robert Miller, Jr. MLS #R4912038.
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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