David Ramirez
$479,9004 bd3 ba2,571 sqft$187 /sqft$3,561 /mo all-in ↓

77 HICKORY LOOP, OCALA, FL, 34472

Active162 days on marketListed Feb 9, 2026MLS #OM718355

WaterfrontPrivate poolSingle Family ResidenceSILVER SPGS SHORES UN 27

About this home

77 HICKORY LOOP

Back on the Market....Buyers backed out at the last minute....Their loss is your gain! Set against a tranquil backdrop of Crystal Lake, this custom-built Nadeau Builders pool home offers a rare combination of thoughtful design, major system updates, and true Florida indoor–outdoor living. With 2,571 square feet under air, four bedrooms, three full baths, and a spacious three-car garage, this home was designed to be both functional and welcoming—perfect for everyday living, multigenerational households, or hosting guests in comfort. From the moment you enter, the open layout draws your eye through the main living areas through the French doors toward serene lake views beyond the pool. Tray ceilings elevate the living room, kitchen, dining area, and the first primary suite, adding architectural interest and a sense of volume throughout the home. Natural light fills the space, creating a bright, relaxed atmosphere that feels both elegant and inviting. One of the home’s standout features is its smart split-bedroom design, offering two primary bedroom suites—one on each side of the home—providing exceptional privacy and flexibility. Whether accommodating extended family, long-term guests, or a home office retreat, this layout adapts effortlessly to your needs. Importantly, the entire home is handicap accessible, offering wider pathways and ease of movement throughout. Step outside to your own private oasis. The large screen-enclosed pool deck overlooks Crystal Lake, delivering peaceful water views and stunning sunsets. The pool is solar heated (added in 2018), extending your swimming season while keeping energy costs in check. A covered patio area with a summer kitchen makes outdoor entertaining effortless—ideal for weekend gatherings, casual dinners, or simply relaxing by the water. Peace of mind comes with major updates already completed, including a new roof in 2015 and a powerful 5-ton air conditioning system installed in 2022. These big-ticket items allow you to focus on enjoying the home rather than planning future replacements. This is a home that truly checks all the boxes: custom construction, a desirable lakefront setting, a solar heated pool, flexible bedroom suites, and meaningful upgrades already in place. Properties with this level of quality, accessibility, and setting are rarely available. Schedule your private showing today and experience firsthand the space, comfort, and lifestyle this Crystal Lake home has to offer.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,571

Sqft

0.34 ac

Lot size

3

Garage

1997

Year built

One

Levels

$187

Per sqft

Private poolWaterfrontPool & Water viewNegotiable

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Pest Guard System · Skylight(s) · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesNorth
ParkingDriveway · Garage Door Opener · Garage Faces Side
ExteriorFrench Doors · Irrigation System · Outdoor Kitchen · Outdoor Shower · Private Mailbox · Private Yard · Rain Gutters

Community & fees

Taxes (2025)$4,363/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Water 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.

$3,561 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,825
FHA mortgage insurance (est.)$212
Property tax — 2025 actual bill$364
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,797Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,797
Interest rate6.00%
Loan term

Estimated payment

$3,561/mo

Principal & interest$2,825
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$364
Est. insurance$160

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.

List $480K
$461KedgeAI estimate $595,274 · range $527K$624K$649K

vs edgeAI estimate

−19.4%

$/sqft vs Ocala actives

$187 vs $181

Days on market

162 vs 43 typical

Where $187/sqft sits among the 400 Ocala actives

121
164 · this home
67
15
3
30
$119–164$164–209$209–254$254–299$299–344$344+

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

Map of 77 HICKORY LOOP

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

HighForest High School★★★★★
ElementaryLegacy Elementary School★★★★★
MiddleLake Weir Middle 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)

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 129% above the OCALA 34472 median. See the full Ocala market guide →

Paper trail

This home's history

Feb 9, 2026Listed at $479,900 · 162 days on market since
1997Built · SILVER SPGS SHORES UN 27

Reality check

What actually sold near 77 HICKORY LOOP

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

71 HICKORY LOOP WAYSold · Sep ’25

$381,000

71 HICKORY LOOP WAY · same community

4 bd · 3 ba · 2,429 sqft · $157/sqft · 19 DOM

95 HICKORY LOOPSold · Oct ’25

$375,000

95 HICKORY LOOP · same community

3 bd · 2 ba · 1,995 sqft · $188/sqft · 97 DOM

10 HICKORY LOOPSold · Jun ’26

$350,000

10 HICKORY LOOP · same community

3 bd · 2.5 ba · 1,870 sqft · $187/sqft · 44 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 77 HICKORY LOOP — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 77 HICKORY LOOP — 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

77 HICKORY LOOP FAQs

What would the monthly payment be for 77 HICKORY LOOP?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,561/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 77 HICKORY LOOP?+

The most recent tax bill on record (2025) was $4,363. 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 $479,900, this home is listed about 61% above the Ocala median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 77 HICKORY LOOP?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$479,900 runs 129% above the OCALA 34472 median — but at 2,571 sqft it's also 49% larger than the typical Ocala listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

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

Listing courtesy of SUNBURST PROPERTIES · Scott Hutchinson. MLS #OM718355.

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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