18546 NE 5TH TERRACE ROAD, CITRA, FL, 32113
Active364 days on marketListed Aug 5, 2025MLS #OM706821
About this home
18546 NE 5TH TERRACE ROAD
Big Beautiful 2200 sq ft Home on 3 fenced acres! A lot of privacy with this flag lot. Bring your horse, cows, and chickens! Home is 2005 but remodeled in 2025. Spacious open split floor plan. Brand new well and pump. Owner will finance with $75,000 down to a qualified buyer. New carpet and high-end vinyl flooring. Fresh paint inside and out. Bedrooms are very spacious with walk-in closets. Huge laundry room with pantry. New covered back porch with beautiful views of the land. High & Dry, the property includes a new shed for outside storage. Marion County, located in central Florida and encompassing areas like Ocala, is renowned for its equestrian community. Known as the "Horse Capital of the World," it hosts over 450 horse farms and numerous world-class equestrian events, making it a prime location for horse enthusiasts. The county offers a rural lifestyle with proximity to urban amenities in Ocala, including shopping, dining, and cultural attractions. Gainesville is also just to our north, about 20 miles away, for access to the colleges and the culture. Schedule your private tour today to explore this dream property and start living the lifestyle you've always dreamed of
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,200
Sqft
3 ac
Lot size
2001
Year built
One
Levels
$126
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.
$1,980 /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
$1,980/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 Citra actives
$126 vs $183
Days on market
364 vs 65 typical
Where $126/sqft sits among the 41 Citra 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 Citra
Get to know Citra. See the full Citra guide →
CITRA 32113 — neighborhood snapshot
Population
5,382
Median age
49.6
Median income
$62,401
Median home value
$161,400
Avg household
2.37
Households w/ children
493
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Citra market
$221K → $340K
Citra median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
23 of 41
Citra actives have cut their price
Median sold price, Citra, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 85% above the CITRA 32113 median. See the full Citra market guide →
Paper trail
This home's history
Reality check
What actually sold near 18546 NE 5TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$425,000
18695 NE 5TH TERRACE ROAD · same community
3 bd · 2 ba · 2,174 sqft · $195/sqft · 156 DOM
Sold · Apr ’26$451,500
205 E HWY 318 · same community
3 bd · 2 ba · 1,655 sqft · $273/sqft · 5 DOM
Sold · Apr ’26$325,000
18558 NE 12TH COURT · same community
3 bd · 2 ba · 1,510 sqft · $215/sqft · 5 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 18546 NE 5TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18546 NE 5TH TERRACE ROAD — 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
18546 NE 5TH TERRACE ROAD FAQs
What would the monthly payment be for 18546 NE 5TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,980/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 18546 NE 5TH TERRACE ROAD?+
The most recent tax bill on record (2024) was $747. 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 Citra?+
At $277,777, this home is listed about 2% above the Citra median of $271,200. The market section on this page shows how the area is trending.
Which schools are assigned to 18546 NE 5TH TERRACE ROAD?+
Sparr Elementary School (elementary), North Marion High School (high), North Marion Middle School (middle) — 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
$277,777 runs 85% above the CITRA 32113 median — but at 2,200 sqft it's also 36% larger than the typical Citra listing.
02Time on market is leverage
364 days on market against a Citra median of 65 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $325,000, now $277,777 — a $47K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HORSE GATE REAL ESTATE LLC · Mary Carter. MLS #OM706821.
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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