485 NW 45TH LANE, OCALA, FL, 34475
Active35 days on marketListed Jun 25, 2026MLS #OM727266
About this home
485 NW 45TH LANE
Welcome to this stunning Triple Crown home loaded with upgrades and exceptional features. This spacious 4-bedroom, 3-bathroom home with a 3-car garage offers an open and inviting floor plan with vaulted ceilings, a desirable split-bedroom layout, and beautiful architectural details throughout. The gourmet kitchen features granite countertops, a center island, and ample cabinet space, all flowing seamlessly into the bright and spacious living areas. Elegant wood flooring, 14-foot doorways, decorative arches, and exquisite molding showcase the craftsmanship and attention to detail found throughout the home. The luxurious home offers a spa-like retreat with dual vanities, walk-in closets, and an oversized walk-in shower. Generously sized secondary bedrooms provide comfort and flexibility for family and guests. Step outside to your private backyard oasis featuring a screen-enclosed patio, in-ground swimming pool, and hot tub, perfect for entertaining or relaxing year-round. As one of the largest homes in the community, this spectacular residence is move-in ready and offers the perfect combination of luxury, comfort, and style. Don’t miss the opportunity to make this exceptional home yours!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,882
Sqft
0.35 ac
Lot size
3
Garage
2005
Year built
One
Levels
$205
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.
$3,962 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,962/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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 Ocala actives
$205 vs $180
Days on market
35 vs 43 typical
Where $205/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 34475 — neighborhood snapshot
Population
14,812
Median age
36.1
Median income
$33,515
Median home value
$170,300
Avg household
2.65
Households w/ children
1,649
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)
163 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 100% above the OCALA 34475 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 485 NW 45TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$284,999
4540 NW 6TH CIRCLE · same community
4 bd · 3 ba · 2,470 sqft · $115/sqft · 36 DOM
Sold · May ’26$360,000
4555 NW 6TH CIRCLE · same community
4 bd · 3 ba · 2,406 sqft · $150/sqft · 283 DOM
Sold · Jun ’26$375,000
4300 NW 4TH CIRCLE · same community
3 bd · 2 ba · 2,330 sqft · $161/sqft · 11 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 485 NW 45TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 485 NW 45TH LANE — 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
485 NW 45TH LANE FAQs
What would the monthly payment be for 485 NW 45TH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,962/mo — principal and interest, the actual property-tax bill, the $49/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 485 NW 45TH LANE?+
The association fee works out to $49 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 485 NW 45TH LANE?+
The most recent tax bill on record (2025) was $4,172. 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 485 NW 45TH LANE?+
The listing reports pets: Breed Restrictions, 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 $590,000, this home is listed about 97% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 485 NW 45TH LANE?+
Vanguard High School (high), 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
$590,000 runs 100% above the OCALA 34475 median — but at 2,882 sqft it's also 67% larger than the typical Ocala listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $600,000, now $590,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Dwan Thomas. MLS #OM727266.
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 485 NW 45TH LANE 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 Kat to ping you on any price or status change →