38 HEMLOCK TERRACE PASS, OCALA, FL, 34472
Active8 days on marketListed Jul 16, 2026MLS #O6425613
About this home
38 HEMLOCK TERRACE PASS
Virtually Staged. 38 Hemlock Terrace Pass is a 1-story Ocala home set on a large lot. The kitchen features wood cabinetry, granite countertops, a center island, and stainless steel appliances for meal preparation. An open great room with wood-look flooring forms the main living space and flows into adjoining dining areas. The primary bedroom includes a ceiling fan, a walk-in closet, and an ensuite bathroom with a garden tub, a separate walk-in shower, and a double vanity. Several additional bedrooms and a full bathroom accommodate flexible use. A screened in-ground pool and surrounding deck anchor the backyard, complemented by a storage shed and an attached two-car garage. Clean interior finishes complete this well-maintained residence throughout.. Included 100-Day Home Warranty with buyer activation
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,805
Sqft
0.53 ac
Lot size
2
Garage
1997
Year built
One
Levels
$195
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.
$2,559 /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
$2,559/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
+23.4%
$/sqft vs Ocala actives
$195 vs $181
Days on market
8 vs 43 typical
Where $195/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 34472 — neighborhood snapshot
Population
34,665
Median age
40.1
Median income
$61,635
Median home value
$185,900
Avg household
2.67
Households w/ children
3,980
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)
154 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 68% above the OCALA 34472 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 38 HEMLOCK TERRACE PASS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$254,000
160 HICKORY COURSE RADIAL
4 bd · 2 ba · 1,827 sqft · $139/sqft · 170 DOM
Sold · May ’26$307,440
108 DOGWOOD DRIVE CIRCLE
4 bd · 2 ba · 1,828 sqft · $168/sqft · 10 DOM
Sold · Jul ’25$308,000
120 DOGWOOD DRIVE CIRCLE
4 bd · 2 ba · 1,760 sqft · $175/sqft · 128 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 38 HEMLOCK TERRACE PASS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 38 HEMLOCK TERRACE PASS — 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
38 HEMLOCK TERRACE PASS FAQs
What would the monthly payment be for 38 HEMLOCK TERRACE PASS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,559/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 38 HEMLOCK TERRACE PASS?+
The most recent tax bill on record (2025) was $2,051. 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 $352,000, this home is listed about 18% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 38 HEMLOCK TERRACE PASS?+
Forest High School (high), Legacy Elementary School (elementary), Lake Weir 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 OPENDOOR BROKERAGE LLC · Karen Albright. MLS #O6425613.
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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