David Ramirez
$849,9004 bd2 ba2,881 sqft$295 /sqft$5,436 /mo all-in ↓

29 SE OCALE WAY, SUMMERFIELD, FL, 34491

Active69 days on marketListed May 17, 2026MLS #G5112256

WaterfrontPrivate poolSingle Family ResidenceTIMUCUAN ISLAND UN 04

About this home

29 SE OCALE WAY

Welcome to your private lake retreat—where comfort, efficiency, and resort-style living come together. This beautifully designed 4-bedroom, 2-bath home also features a dedicated office (or optional 4th bedroom), gym, and spacious game room, offering flexibility for both everyday living and entertaining. Step inside to a thoughtfully designed open floor plan that creates a seamless flow between the living room, kitchen, and game room—all with stunning views of the pool and outdoor living spaces. The kitchen serves as the heart of the home, featuring vaulted ceilings, granite countertops, custom maple cabinetry, and premium appliances including a KitchenAid refrigerator, built-in oven and microwave combo, glass cooktop, and Bosch dishwasher. The living room is warm and inviting with a vaulted ceiling, wood-burning fireplace with gas log igniter, built-in entertainment center, surround sound, and a 70” Samsung TV—perfect for relaxing or hosting guests. Retreat to the luxurious master suite, complete with a cozy window bench with storage, built- in speakers, a large walk-in closet, and custom cabinetry. The spa-inspired bathroom features a jetted garden tub, an oversized 6’x6’ dual walk-in shower, and elegant manmade marble finishes throughout. Built for efficiency and peace of mind, this home includes insulated concrete form walls with a 6” concrete core, Icynene attic insulation, solar photovoltaic system, solar hot water 11/09, energy-efficient Low-E windows, and a 4-ton Trane AC system 9/2015. Enjoy exceptionally low electric bills averaging just $150/month. Additional features include smart home wiring, a monitored alarm system, built-in safe, and a newer roof (2021). Step outside to your own private oasis. The custom saltwater pool with aggregate finish is solar heated and enclosed within a screened lanai, complemented by a brick paver deck and a fully equipped outdoor kitchen with grill, side burner, and sink—ideal for year-round entertaining. Enjoy true lake living with two personal watercraft lifts, a covered boathouse with electric winch, durable seawalls, and a lake-fed irrigation system. The extensively landscaped grounds provide exceptional privacy, while brick paver walkways and a fire pit create the perfect setting for relaxing evenings by the water. Additional highlights include a fully equipped game room with granite counters and a slate/hardwood pool table, a utility room with second refrigerator and custom cabinetry, and a 2-car garage with workshop space and water softener system. This one-of-a-kind lake property offers the perfect blend of luxury, functionality, and energy efficiency—designed for making memories and enjoying the best of waterfront living.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,881

Sqft

0.41 ac

Lot size

2

Garage

2002

Year built

One

Levels

$295

Per sqft

Private poolWaterfrontFireplacePartially

Inside

FlooringCarpet · Engineered Hardwood
AppliancesCooktop · Dishwasher · Electric Water Heater · Microwave · Refrigerator · Solar Hot Water · Solar Hot Water Owned · Water Filtration System · Water Softener
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric
FurnishedPartially

Outside & construction

RoofShingle
ConstructionICFs (Insulated Concrete Forms)
FoundationSlab
FacesWest
ExteriorFire Pit · French Doors · Irrigation System · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors

Community & fees

Taxes (2025)$4,453/yr

Utilities & systems

UtilitiesElectricity Connected · Solar
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,436 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property tax — 2025 actual bill$371
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $84,990
Interest rate6.00%
Loan term

Estimated payment

$5,436/mo

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property taxes (actual bill)$371
Est. insurance$160

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.

List $850K
$816KedgeAI estimate $961,723 · range $889K$991K$1.0M

vs edgeAI estimate

−11.6%

$/sqft vs Summerfield actives

$295 vs $189

Days on market

69 vs 50 typical

Where $295/sqft sits among the 355 Summerfield actives

55
78
130
52
14
26 · this home
$121–150$150–179$179–208$208–237$237–266$266+

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 Summerfield

Map of 29 SE OCALE WAY

Get to know Summerfield. See the full Summerfield guide →

SUMMERFIELD 34491 — neighborhood snapshot

Population

32,369

Median age

54.4

Median income

$65,900

Median home value

$253,100

Avg household

2.3

Households w/ children

2,632

For the school run

Marion County School District

MiddleLake Weir Middle School★★★★
ElementaryHarbour View Elementary School★★★★★
HighLake Weir High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Summerfield market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$285K$258K

Summerfield median sold, yr/yr

96.8%

Sale-to-list ratio (12 mo)

172 of 355

Summerfield actives have cut their price

Median sold price, Summerfield, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 209% above the SUMMERFIELD 34491 median. See the full Summerfield market guide →

Paper trail

This home's history

May 17, 2026Listed at $849,900 · 69 days on market since
2002Built · TIMUCUAN ISLAND UN 04

Reality check

What actually sold near 29 SE OCALE WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10320 SE 159TH STREETSold · Jul ’26

$90,000

10320 SE 159TH STREET

3 bd · 2 ba · 2,887 sqft · $31/sqft · 9 DOM

9972 SE 161ST LANE ROADSold · Jul ’25

$329,990

9972 SE 161ST LANE ROAD

5 bd · 3 ba · 2,605 sqft · $127/sqft · 152 DOM

15976 SE 101ST CIRCLESold · Jun ’26

$336,990

15976 SE 101ST CIRCLE

5 bd · 3 ba · 2,605 sqft · $129/sqft · 38 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 29 SE OCALE WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 29 SE OCALE WAY — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

29 SE OCALE WAY FAQs

What would the monthly payment be for 29 SE OCALE WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,436/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 29 SE OCALE WAY?+

The most recent tax bill on record (2025) was $4,453. 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 Summerfield?+

At $849,900, this home is listed about 193% above the Summerfield median of $289,900. The market section on this page shows how the area is trending.

Which schools are assigned to 29 SE OCALE WAY?+

Lake Weir Middle School (middle), Harbour View Elementary School (elementary), Lake Weir High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of EXP REALTY LLC · Brenda Bell. MLS #G5112256.

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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