5177 SW 39TH STREET, OCALA, FL, 34474
Active13 days on marketListed Jul 22, 2026MLS #OM728854
About this home
5177 SW 39TH STREET
Beautiful Move-In Ready Home in Fore Ranch – Saddle Creek Phase I 5177 SW 39th Street, Ocala, FL 34474 4 Bedrooms (or 3 Bedrooms + Office) | 2 Bathrooms | 1,604 Sq Ft | 2-Car Garage Welcome to this beautifully maintained home located in the highly desirable Fore Ranch – Saddle Creek Phase I, one of Ocala's most sought-after communities. Offering outstanding neighborhood amenities and an unbeatable location, this move-in-ready home combines comfortable living with an exceptional Florida lifestyle. Built in 2010, this concrete block home features 1,604 square feet of thoughtfully designed living space with 4 bedrooms (or 3 bedrooms plus a home office/den) and 2 full bathrooms. As you arrive, you'll immediately appreciate the attractive curb appeal with mature landscaping, sidewalks, a two-car garage, and a welcoming front entry. Step inside to an inviting foyer that opens into a spacious living room featuring cathedral ceilings, beautiful tile flooring, and a bright open floor plan. Large triple sliding glass doors fill the home with natural light while providing seamless access to the screened rear porch—perfect for relaxing or entertaining family and friends. The kitchen is designed for both functionality and style, offering abundant cabinetry, expansive granite countertop space, a convenient dining nook, and all the room needed for meal preparation and gatherings. Just beyond the kitchen you'll find an oversized pantry combined with the laundry area, along with direct access to the attached two-car garage. The generous primary suite overlooks the private backyard through a large picture window and features a walk-in closet and an ensuite bathroom complete with a oversized marble top vanity, fiberglass walk-in shower, and private water closet. Bedrooms two and three are comfortably sized with laminate flooring and ample closet space. The fourth bedroom is perfect as a nursery, guest room, home office, craft room, or flex space to fit your lifestyle. Step outside to enjoy the cozy backyard featuring low-maintenance vinyl privacy fencing and mature shade trees, creating the perfect setting for outdoor dining, pets, or simply relaxing in your own private retreat. Residents of Fore Ranch enjoy an impressive collection of community amenities including a resort-style swimming pool, elegant clubhouse, fitness center, playground, sidewalks, and beautifully maintained common areas. The neighborhood is conveniently located near shopping centers, restaurants, medical facilities, highly rated schools, and major highways, providing quick access throughout Ocala and beyond. Whether you're a first-time homebuyer, growing family, retiree, or investor, this home offers the perfect blend of space, convenience, and community amenities. Don't miss your opportunity to own this exceptional home in one of Ocala's premier neighborhoods. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,604
Sqft
0.15 ac
Lot size
2
Garage
2010
Year built
One
Levels
$178
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.
$2,198 /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
$2,198/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 Ocala actives
$178 vs $184
Days on market
13 vs 48 typical
Where $178/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34474 — neighborhood snapshot
Population
20,497
Median age
38.4
Median income
$62,150
Median home value
$177,800
Avg household
2.39
Households w/ children
2,288
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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
146 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 5% below the OCALA 34474 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 5177 SW 39TH STREET
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$205,000
5155 SW 39TH STREET · same community
2 bd · 2 ba · 1,695 sqft · $121/sqft · 78 DOM
Sold · Apr ’26$250,000
5151 SW 39TH STREET · same community
3 bd · 2 ba · 1,714 sqft · $146/sqft · 280 DOM
Sold · Aug ’25$274,000
3983 SW 51ST COURT · same community
3 bd · 2 ba · 1,824 sqft · $150/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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5177 SW 39TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5177 SW 39TH STREET — 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
5177 SW 39TH STREET FAQs
What would the monthly payment be for 5177 SW 39TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,198/mo — principal and interest, the actual property-tax bill, the $87/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 5177 SW 39TH STREET?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5177 SW 39TH STREET?+
The most recent tax bill on record (2025) was $1,769. 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 5177 SW 39TH STREET?+
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 $285,000, this home is listed about 5% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5177 SW 39TH STREET?+
College Park Elementary School (elementary), West Port High School (high), Liberty Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ROUNTREE REALTY CORP. · Duke Rountree. MLS #OM728854.
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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