6115 SW 104TH STREET, OCALA, FL, 34476
Active178 days on marketListed Jan 27, 2026MLS #OM717510
About this home
6115 SW 104TH STREET
One or more photo(s) has been virtually staged. Come and see this Cardinal model featuring 3 bedrooms, 2 baths, 2 car garage home in the 55+ community of Cherrywood Estates. With some updates to make it your own, this can easily become your dream retirement home. Multiple cabinets in the kitchen with a nook and a bar area. Open Florida room for an additional flex space. Screened lanai for those pretty Florida days. Laminate and tile flooring in the main living areas. Carpet in the bedrooms. The primary bedroom is spacious with a walk-in closet. Primary bath features a step-in shower with sliding doors. Guest side has two bedrooms and a guest bath with a tub/shower combo. Plenty of space inside including a laundry room. Roof 2020, HVAC 2015 and Water Heater 2019. Pretty tree in the front yard for some nice shade. Large lot with room to move. Call for your appointment to view today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,597
Sqft
0.23 ac
Lot size
2
Garage
1998
Year built
One
Levels
$128
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 and the real association fee — not generic estimates.
$1,879 /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
$1,879/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
−8.9%
$/sqft vs CHERRYWOOD ESTATE
$128 vs $152
Days on market
178 vs 43 typical
Where $128/sqft sits among the 15 homes for sale in CHERRYWOOD ESTATE
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 Cherrywood Preserve
Get to know Ocala. See the full Ocala guide →
Cherrywood Preserve — neighborhood snapshot
Population
73
Median age
74
Median income
$48,224
Median home value
$214,700
Avg household
2
Households w/ children
1%
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)
7 of 15
CHERRYWOOD ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 6115 SW 104TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$222,500
9849 SW 61ST COURT · same community
3 bd · 2 ba · 1,503 sqft · $148/sqft · 21 DOM
Sold · Jun ’26$217,000
9951 SW 62ND TERRACE · same community
2 bd · 2 ba · 1,500 sqft · $145/sqft · 44 DOM
Sold · Feb ’26$175,000
9951 SW 62ND TERRACE · same community
2 bd · 2 ba · 1,500 sqft · $117/sqft · 639 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 6115 SW 104TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6115 SW 104TH 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
6115 SW 104TH STREET FAQs
What would the monthly payment be for 6115 SW 104TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,879/mo — principal and interest, the actual property-tax bill, the $325/mo association fee 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.
How much are the HOA fees at 6115 SW 104TH STREET?+
The association fee works out to $325 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6115 SW 104TH STREET?+
The most recent tax bill on record (2025) was $1,169. 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 6115 SW 104TH 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 $204,900, this home is listed about 31% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6115 SW 104TH STREET?+
Liberty Middle School (middle), Hammett Bowen Junior Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the OCALA 34476 market on paper
$204,900 is 29% below the OCALA 34476 median of $289,900, and at $128/sqft it sits under the Ocala average of $204.
02Time on market is leverage
178 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $214,900, now $204,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Bonnie Ciesla. MLS #OM717510.
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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