4351 NW 54TH TERRACE, OCALA, FL, 34482
Active63 days on marketListed May 31, 2026MLS #OM725737
About this home
4351 NW 54TH TERRACE
Welcome to this beautifully appointed Declare model by Shea builders, a 2-bedroom, 2.5-bath home with a versatile bonus room, ideally situated in the highly sought-after community of Ocala Preserve. The bonus room has been enhanced with elegant French doors, providing the perfect private space for a home office, den, hobby room, or guest overflow area. Perfectly positioned on a premier lot, this home offers open views, no direct rear neighbors, and direct access to one of the community’s scenic walking paths, creating the ideal combination of privacy, convenience, and Florida lifestyle living. With over $70,000 in upgrades, including a whole-house water filtration system, this home showcases quality, style, and thoughtful design throughout. Designed with both comfort and entertaining in mind, the open-concept floor plan features upgraded tile flooring throughout and a bright, modern aesthetic. The chef-inspired kitchen is the heart of the home, boasting quartz countertops and a matching backsplash, stainless steel appliances, under-cabinet lighting, and convenient pull-out drawers for pots and pans. The oversized island provides ample prep space and seating, making it the perfect gathering place for family and friends. The spacious primary suite offers a private retreat with a luxurious ensuite bath featuring dual vanities, a frameless glass walk-in shower, and a large walk-in closet complete with custom built-in shelving and cabinetry. An oversized sliding glass door fills the living area with natural light and opens seamlessly to the screened lanai, where you can relax and enjoy the peaceful surroundings. Beautiful landscaping further enhances the home’s curb appeal and outdoor living experience. Seller would consider selling furnished. Enjoy resort-style living in Ocala Preserve, where exceptional amenities, golf, walking trails, fitness facilities, dining, pools, and an active social lifestyle are all just moments from your front door. This is Florida living at its finest.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,059
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
One
Levels
$228
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.
$4,241 /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
$4,241/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
+7%
$/sqft vs OCALA PRESERVE
$228 vs $167
Days on market
63 vs 43 typical
Where $228/sqft sits among the 21 homes for sale in OCALA PRESERVE
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 34482 — neighborhood snapshot
Population
21,824
Median age
52.1
Median income
$71,449
Median home value
$247,600
Avg household
2.28
Households w/ children
1,486
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)
14 of 21
OCALA PRESERVE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% above the OCALA 34482 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4351 NW 54TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$329,990
3985 NW 48TH TERRACE ROAD · same community
4 bd · 2 ba · 2,034 sqft · $162/sqft · 181 DOM
Sold · Jul ’26$353,980
4625 NW 39TH STREET ROAD · same community
4 bd · 2 ba · 2,034 sqft · $174/sqft · 8 DOM
Sold · Nov ’25$300,000
4892 NW 39TH LOOP · same community
4 bd · 2 ba · 2,034 sqft · $147/sqft · 152 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 4351 NW 54TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4351 NW 54TH TERRACE — 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
4351 NW 54TH TERRACE FAQs
What would the monthly payment be for 4351 NW 54TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,241/mo — principal and interest, the actual property-tax bill, the $530/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 4351 NW 54TH TERRACE?+
The association fee works out to $530 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4351 NW 54TH TERRACE?+
The most recent tax bill on record (2025) was $6,997. 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 4351 NW 54TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $469,000, this home is listed about 57% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4351 NW 54TH TERRACE?+
West Port High School (high), College Park Elementary School (elementary), Howard Middle School (middle) — 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
$469,000 runs 80% above the OCALA 34482 median — but at 2,059 sqft it's also 19% larger than the typical Ocala listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $530/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $479,000, now $469,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS OCALA · Solveig Cumston. MLS #OM725737.
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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