David Ramirez
$3,250,0005 bd3.5 ba4,884 sqft$665 /sqft$20,272 /mo all-in ↓

405 SE 15TH AVENUE, OCALA, FL, 34471

Active92 days on marketListed Apr 23, 2026MLS #O6399694

Private poolSingle Family ResidenceN/A

About this home

405 SE 15TH AVENUE

Welcome to this elegant, meticulously maintained historic estate in Ocala, where timeless character meets 2.46 acres of beautifully curated grounds, and is situated just blocks from the charm and energy of Historic Downtown Ocala. This location delivers a rare lifestyle balance: downtown’s restaurants, boutiques, and community events, then return home to your own private retreat framed by space and gardens. The property sits just outside the historic district, giving you the architectural charm buyers love, without the restrictions, so you have the freedom to enhance or expand the exterior over time. For equestrian enthusiasts or those drawn to Ocala’s global reputation, you’re only minutes from the World Equestrian Center. Inside, multiple living spaces are offered, including a formal dining room, a living room with fireplace, and an adjoining sunroom. A separate sitting room with its own fireplace opens to the outdoor patio and deck. Five sunrooms throughout the home flood the interiors with natural light. The custom kitchen offers solid wood cabinetry, granite countertops, a built-in refrigerator, gas range, two ovens, and microwave. A charming breakfast room, mudroom, and built-in office nook are situated off of the kitchen. The downstairs bedroom suite, complete with a private sunroom, features an updated bath with a walk-in shower and soaking tub. Upstairs, the primary suite offers built-in shelving, dual closets, a private sunroom, and a beautifully updated bath with wainscoting, double vanity, and a large walk-in shower. A fifth bedroom adjacent to the suite provides flexibility as a nursery, office, or sitting room, with its sunroom currently serving as an expansive closet. Two additional guest bedrooms share an updated Jack-and-Jill bath, wrapped in Italian marble. Original architectural elements remain intact, including 9–10 foot ceilings, terracotta tile, well-preserved plaster walls, and oak and heart-of-pine flooring. Storage is abundant, with multiple walk-in closets, a cedar closet, and a basement accessible from both inside and out. A true highlight is the cedar-lined, temperature-controlled 12x19 wine room, finished with travertine floors, a private patio entrance, and capacity for over 2,000 bottles. Outdoors, a newly resurfaced saltwater pool sits just off the terrace, with convenient access to a nearby half bath. Expansive covered porches and mature landscaping complete the setting, especially with the added benefit of no historic district limitations. Walkable to downtown, minutes to world-class equestrian amenities, and set on a rare oversized parcel. Call today to schedule a private tour.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

4,884

Sqft

2.46 ac

Lot size

2

Garage

1926

Year built

Two

Levels

$665

Per sqft

Private poolFireplace

Inside

FlooringTile · Travertine · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Heat Pump

Outside & construction

RoofShingle
ConstructionConcrete · Stucco
FoundationPillar/Post/Pier
FacesWest
ParkingCircular Driveway
ExteriorBalcony · French Doors · Irrigation System · Lighting · Rain Gutters

Community & fees

Taxes (2025)$16,275/yr

Utilities & systems

UtilitiesElectricity Connected · Natural Gas Connected
WaterPublic

The numbers

What it really costs

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

$20,272 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$17,537
PMI (est., until 20% equity)$1,219
Property tax — 2025 actual bill$1,356
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $325,000Loan30-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% · $325,000
Interest rate6.00%
Loan term

Estimated payment

$20,272/mo

Principal & interest$17,537
PMI (est., until 20% equity)$1,219
Property taxes (actual bill)$1,356
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.

Where it sits

Inside Ocala

Map of 405 SE 15TH AVENUE

Get to know Ocala. See the full Ocala guide →

OCALA 34471 — neighborhood snapshot

Population

26,031

Median age

44.2

Median income

$60,283

Median home value

$292,200

Avg household

2.31

Households w/ children

2,491

For the school run

Marion County School District

ElementaryEighth Street Elementary School★★★★
MiddleOsceola Middle School★★★★
HighForest High School★★★★★

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

The numbers that matter

The Ocala market

Seller’s marketBalanced6.3 months of inventoryBuyer’s market

$285K$280K

Ocala median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

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

This home is listed 985% above the OCALA 34471 median. See the full Ocala market guide →

Paper trail

This home's history

Apr 23, 2026Listed at $3,250,000 · 92 days on market since
1926Built · N/A

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 405 SE 15TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 405 SE 15TH AVENUE — 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

405 SE 15TH AVENUE FAQs

What would the monthly payment be for 405 SE 15TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,272/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 405 SE 15TH AVENUE?+

The most recent tax bill on record (2025) was $16,275. 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 $3,250,000, this home is listed about 987% above the Ocala median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 405 SE 15TH AVENUE?+

Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$3,250,000 runs 985% above the OCALA 34471 median — but at 4,884 sqft it's also nearly 3 times the size of 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.

03Time on market is leverage

92 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of REAL BROKER, LLC · Ken Pozek. MLS #O6399694.

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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