11920 SW 45TH STREET, OCALA, FL, 34481
Active151 days on marketListed Mar 5, 2026MLS #J998504
About this home
11920 SW 45TH STREET
Welcome to your private Ocala retreat on nearly 1.5 acres. Perfectly located minutes from downtown Ocala, 10 minutes to the World Equestrian Center, near shopping and the Ocala airport, and under 15 minutes to I-75.This beautifully upgraded 3-bedroom, 2-bath home blends modern comfort with exceptional indoor-outdoor living in a peaceful setting. A bright open floor plan welcomes you, perfect for entertaining and every day life. With a large kitchen with granite countertops and generous prep space on center stage, sure to be a great gathering space The primary suite offers a true escape with a large walk-in closet and a spa-inspired bath featuring dual vanities and a custom walk-in shower. Step outside to an entertainer’s paradise with two custom outdoor kitchens: a fully enclosed 15×10 kitchen with stove, ventilation, microwave, ice machine, and storage, plus an open-air kitchen with BBQ grill, flat-top burner, wine fridge, and lounge space beside the above-ground pool. Additional highlights include a large laundry room, two-car garage, RV parking with hookup for electricity and waste, lush landscaping, and full fencing for privacy. Major updates include a 2022 roof, 2023 water heater, and 2017 AC. With all high ticket items updated this property is turn key and ready to make memories.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,651
Sqft
1.34 ac
Lot size
2
Garage
2000
Year built
One
Levels
$333
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.
$3,923 /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
$3,923/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
−30.7%
$/sqft vs Ocala actives
$333 vs $184
Days on market
151 vs 43 typical
Where $333/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 34481 — neighborhood snapshot
Population
25,668
Median age
68.5
Median income
$54,639
Median home value
$213,000
Avg household
1.9
Households w/ children
978
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)
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 135% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 11920 SW 45TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$373,000
13687 SW 53RD STREET · same community
3 bd · 2 ba · 1,713 sqft · $218/sqft · 48 DOM
Sold · Nov ’25$424,000
13069 SW 61ST PLACE ROAD · same community
3 bd · 2 ba · 1,714 sqft · $247/sqft · 14 DOM
Sold · Mar ’26$296,500
4085 SW 117TH AVENUE ROAD · same community
3 bd · 2 ba · 1,757 sqft · $169/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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 11920 SW 45TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11920 SW 45TH STREET — 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.
Straight answers
11920 SW 45TH STREET FAQs
What would the monthly payment be for 11920 SW 45TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,923/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 11920 SW 45TH STREET?+
The most recent tax bill on record (2025) was $3,390. 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 11920 SW 45TH 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 $549,900, this home is listed about 84% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11920 SW 45TH STREET?+
Liberty Middle School (middle), West Port High School (high), Marion Oaks Elementary School (elementary) — 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
$549,900 runs 135% above the OCALA 34481 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
151 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J998504.
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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