3220 SE 21ST AVENUE, OCALA, FL, 34471
Active45 days on marketListed Jun 20, 2026MLS #OM726851
About this home
3220 SE 21ST AVENUE
Virtually Staged. NOW OFFERED AT $649,900! Welcome to one of SE Ocala's most distinctive homes in sought-after Quail Creek. If you've been searching for a home with character, generous living space, and room to entertain, your search ends here. Offering approximately 3,000 square feet of heated living space, this beautifully maintained 4-bedroom, 3-bath residence was designed for making memories. From holiday gatherings and family celebrations to pool parties and quiet evenings at home, every space has been thoughtfully designed for comfortable everyday living. The spacious floor plan features multiple living and entertaining areas, a finished upstairs media/bonus room, a cozy fireplace, and a unique photography darkroom with sink that can easily become an art studio, hobby room, craft space, or private workspace. Step outside to your own backyard retreat where the sparkling pool becomes the centerpiece for relaxing weekends and entertaining friends. Recent improvements provide peace of mind, including a new roof (2021), Lennox HVAC system (2024), remodeled bathroom (2023), and dual HVAC systems serving both levels of the home. Situated in the established Quail Creek neighborhood, you'll enjoy mature landscaping, larger homesites, and one of Ocala's most desirable Southeast locations, just minutes from shopping, restaurants, medical facilities, downtown Ocala, parks, and top-rated schools. This is more than a home. It's a place designed for living, entertaining, and creating lasting memories. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,000
Sqft
0.39 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$217
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.
$4,231 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,231/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−5.1%
$/sqft vs Ocala actives
$217 vs $187
Days on market
45 vs 48 typical
Where $217/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 34471 — neighborhood snapshot
Population
26,031
Median age
44.2
Median income
$60,283
Median home value
$292,200
Avg household
2.31
Households w/ children
2,491
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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
163 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 115% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3220 SE 21ST AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$660,000
4126 SE 13TH TERRACE
4 bd · 3.5 ba · 3,050 sqft · $216/sqft · 134 DOM
Sold · Feb ’26$380,000
2641 SE 45TH STREET
5 bd · 3 ba · 3,056 sqft · $124/sqft · 68 DOM
Sold · Jun ’26$747,760
3907 SE 10TH AVENUE
4 bd · 3 ba · 2,909 sqft · $257/sqft · 180 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 3220 SE 21ST AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3220 SE 21ST AVENUE — 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
3220 SE 21ST AVENUE FAQs
What would the monthly payment be for 3220 SE 21ST AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,231/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 3220 SE 21ST AVENUE?+
The most recent tax bill on record (2025) was $3,840. 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 $649,900, this home is listed about 117% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3220 SE 21ST AVENUE?+
Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest High School (high) — 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
$649,900 runs 115% above the OCALA 34471 median — but at 3,000 sqft it's also 74% larger than the typical Ocala listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $665,000, now $649,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROBB HARRISON REALTY INC · Robb Harrison. MLS #OM726851.
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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