3960 SW 110TH LANE, OCALA, FL, 34476
Active26 days on marketListed Jun 28, 2026MLS #OM727540
About this home
3960 SW 110TH LANE
This spacious and versatile 4-bedroom, 3-bathroom residence offering 2,220 square feet of comfortable living space on an oversized 0.62-acre lot with NO HOA in the desirable Marion Oaks community. Perfectly positioned with convenient access to Ocala, this property combines generous indoor living with plenty of outdoor space to enjoy. From the moment you step inside, you'll appreciate the bright, open floor plan accented by soaring ceilings, elegant arched openings, and an abundance of natural light. The spacious living room flows effortlessly into the kitchen, creating an inviting space for everyday living and entertaining alike. Just off the main living area, a dedicated office with French doors provides the perfect setup for working from home, a playroom, or an additional flex space. Upstairs, an expansive loft offers endless possibilities as a second living room, media room, game room, or flex retreat. The oversized primary suite serves as a relaxing escape featuring vaulted ceilings, a spacious walk-in closet, dual vanities, a garden soaking tub, and a separate walk-in shower. Three additional bedrooms and two more full bathrooms provide comfortable accommodations for family and guests. Step outside to enjoy Florida living at its finest from the oversized screened lanai overlooking the expansive backyard. Sitting on over half an acre, the property provides exceptional outdoor space with added privacy and endless opportunities for gardening, recreation, entertaining, or even adding your dream pool. Whether you're searching for extra space to grow, room to entertain, or simply the freedom of a large homesite without HOA restrictions, this Marion Oaks property offers the flexibility, functionality, and location to fit a wide variety of lifestyles. Conveniently located just minutes from shopping, dining, medical facilities, and everything Ocala has to offer, this home is ready for its next chapter.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,220
Sqft
0.62 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$180
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.
$3,028 /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
$3,028/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
+10.6%
$/sqft vs OCALA WATERWAY ESTATE
$180 vs $173
Days on market
26 vs 43 typical
Where $180/sqft sits among the 18 homes for sale in OCALA WATERWAY 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 Ocala
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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)
2 of 18
OCALA WATERWAY ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3960 SW 110TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$405,999
10160 SW 39TH TERRACE · same community
4 bd · 3.5 ba · 2,230 sqft · $182/sqft · 165 DOM
Sold · Jun ’26$410,000
10411 SW 42ND AVENUE · same community
4 bd · 3.5 ba · 2,230 sqft · $184/sqft · 166 DOM
Sold · Mar ’26$405,000
3835 SW 104TH STREET · same community
4 bd · 2 ba · 2,251 sqft · $180/sqft · 9 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 3960 SW 110TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3960 SW 110TH LANE — 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
3960 SW 110TH LANE FAQs
What would the monthly payment be for 3960 SW 110TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,028/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 3960 SW 110TH LANE?+
The most recent tax bill on record (2025) was $4,040. 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 $399,900, this home is listed about 34% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3960 SW 110TH LANE?+
Liberty Middle School (middle), Marion Oaks Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of GAILEY ENTERPRISES REAL ESTATE · Richard Gailey. MLS #OM727540.
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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