4528 NW 54TH TERRACE, OCALA, FL, 34482
Active61 days on marketListed Sep 7, 2026MLS #W7889277
About this home
4528 NW 54TH TERRACE
Built in 2024 and beautifully appointed throughout, this 2-bedroom, 2.5-bath home with a dedicated office offers refined living in the sought-after Ocala Preserve community. Gorgeous wood-look tile flooring runs seamlessly through the home, providing durability, low maintenance, and an elevated aesthetic. The open floor plan creates an inviting environment for entertaining, with natural flow between the main living spaces. Thoughtful landscaping and wrought-iron fencing frame a private backyard oasis overlooking peaceful green space—an ideal setting for morning coffee or relaxing afternoons. Enjoy maintenance-free living in this 55+ community, where an exceptional suite of amenities enhances everyday life, including resort-style recreation, fitness, golf, dining, and miles of nature trails. Located just minutes from Ocala’s premier shopping, dining, medical, and cultural destinations, this home offers a lifestyle that blends comfort, convenience, and the vibrant Ocala Preserve experience.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,056
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
One
Levels
$223
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.
$4,700 /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
$4,700/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
+35.7%
$/sqft vs Ocala actives
$223 vs $174
Days on market
61 vs 57 typical
Where $223/sqft sits among the 399 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 34482 — neighborhood snapshot
Population
22,807
Median age
50.6
Median income
$65,901
Median home value
$271,100
Avg household
2.29
Households w/ children
1,630
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
$278K → $278K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
157 of 399
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 64% above the OCALA 34482 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4528 NW 54TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$359,990
4516 NW 54TH TERRACE · same community
2 bd · 2.5 ba · 2,060 sqft · $175/sqft · 385 DOM
Sold · Sep ’26$577,380
5430 NW 46TH PLACE ROAD · same community
3 bd · 3 ba · 2,641 sqft · $219/sqft · 0 DOM
Sold · Jul ’26$550,000
5304 NW 35TH LANE ROAD
3 bd · 2.5 ba · 2,048 sqft · $269/sqft · 2 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4528 NW 54TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4528 NW 54TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4528 NW 54TH TERRACE FAQs
What would the monthly payment be for 4528 NW 54TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,700/mo — principal and interest, the actual property-tax bill, the $528/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 4528 NW 54TH TERRACE?+
The association fee works out to $528 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4528 NW 54TH TERRACE?+
The most recent tax bill on record (2025) was $7,896. 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 4528 NW 54TH TERRACE?+
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 $459,000, this home is listed about 53% above the Ocala median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4528 NW 54TH TERRACE?+
West Port High School (high), Fessenden Elementary School (elementary), Howard Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$459,000 runs 64% above the OCALA 34482 median — but at 2,056 sqft it's also 18% larger than the typical Ocala listing.
02Know the monthly fee
The association fee is $528/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03The price has already moved
Listed at $469,000, now $459,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX CHAMPIONS · Robert Schroeder. MLS #W7889277.
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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