38 WILLOW ROAD, OCALA, FL, 34472
Active138 days on marketListed Mar 5, 2026MLS #OM720117
About this home
38 WILLOW ROAD
Welcome to this charming 3-bedroom, 2-bath single-family home located in the desirable Silver Springs Shores area of Ocala. Situated on a spacious lot just under a quarter acre, this home offers comfort, functionality, and plenty of potential. Inside, you’ll find a bright open floor plan with luxury vinyl flooring and ceiling fans throughout the main living areas. The kitchen features beautiful granite countertops and stainless steel appliances, including a convection oven, microwave, dishwasher, and refrigerator—perfect for both everyday living and entertaining. The primary bedroom includes a walk-in closet, and the home is equipped with central A/C and heat for year-round comfort. outside to enjoy a spacious lanai, ideal for pets, outdoor activities, or relaxing in your own private space. With solid block construction, a two-car garage, and a convenient location near shopping, dining, and everyday amenities, this property presents a wonderful opportunity for homeowners or investors alike. Don’t miss your chance to make this Ocala home yours!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,486
Sqft
0.23 ac
Lot size
2
Garage
2025
Year built
One
Levels
$188
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.
$1,976 /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
$1,976/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
+11.1%
$/sqft vs SILVER SPGS SHORES UN 17
$188 vs $173
Days on market
138 vs 43 typical
Where $188/sqft sits among the 11 homes for sale in SILVER SPGS SHORES UN 17
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
7 of 11
SILVER SPGS SHORES UN 17 have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the OCALA 34472 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 WILLOW ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$270,000
5 WILLOW TRAIL · same community
3 bd · 2 ba · 1,473 sqft · $183/sqft · 17 DOM
Sold · Nov ’25$285,000
12 DOGWOOD LOOP AVE · same community
3 bd · 2 ba · 1,473 sqft · $193/sqft · 12 DOM
Sold · Feb ’26$280,000
5 DOGWOOD LOOP AVENUE · same community
3 bd · 2 ba · 1,500 sqft · $187/sqft · 176 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 38 WILLOW ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 WILLOW ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
38 WILLOW ROAD FAQs
What would the monthly payment be for 38 WILLOW ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,976/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 38 WILLOW ROAD?+
The most recent tax bill on record (2025) was $528. 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 $279,900, this home is listed about 6% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38 WILLOW ROAD?+
Forest High School (high), Legacy Elementary School (elementary), Lake Weir 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
$279,900 runs 34% above the OCALA 34472 median.
02Time on market is leverage
138 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $289,900, now $279,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GLOBALWIDE REALTY LLC · Malwattie Singh. MLS #OM720117.
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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