10121 SW 45TH AVENUE, OCALA, FL, 34476
Active10 days on marketListed Jul 14, 2026MLS #OM728281
About this home
10121 SW 45TH AVENUE
Under Construction. Under Construction. Virtually Staged. Pre-Construction. To be built. Under Construction – Please visit the model at 604 Marion Oaks Lane. The Largo. This 4-bedroom, 3-bath home—available with a 3-car garage—features a wide-open, light-filled floor plan enhanced by soaring vaulted ceilings. A welcoming covered entry and spacious covered lanai extend the living area outdoors, ideal for enjoying Florida’s warm breezes. Summit Homes Florida includes the features today’s buyers expect Foresta 6X36 Oyster Plank Tile flooring throughout, 8-foot doors, 5¼-inch baseboards, a landscaped yard with irrigation, an interior laundry room, and a garage door opener. The kitchen is designed for both style and function, offering solid-surface counters with a tile backsplash, custom cabinetry with 42-inch uppers and soft-close doors and drawers, stainless-steel appliances, and a generous pantry. The large primary suite provides a relaxing retreat with a ceramic-tiled shower, dual sinks, a private commode room, and an impressive walk-in closet for exceptional storage. A Jack and Jill bath elegantly serves two additional bedrooms, blending convenience with sophistication. Thoughtful details throughout the home highlight craftsmanship and quality, blending comfort, functionality, and lasting value. From the grand proportions to the smallest architectural touch, this is a home built to inspire admiration. You won’t want to miss this one.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,478
Sqft
0.46 ac
Lot size
3
Garage
2026
Year built
One
Levels
$181
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.
$3,044 /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
$3,044/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
+6.6%
$/sqft vs OCALA WATERWAY ESTATE
$181 vs $173
Days on market
10 vs 43 typical
Where $181/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 55% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10121 SW 45TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$337,400
10929 SW 39TH COURT · same community
3 bd · 2.5 ba · 2,473 sqft · $136/sqft · 112 DOM
Sold · Jun ’26$435,850
10453 SW 42ND AVENUE · same community
4 bd · 3 ba · 2,508 sqft · $174/sqft · 22 DOM
Sold · Mar ’26$480,000
4493 SW 102ND LANE ROAD · same community
4 bd · 3 ba · 2,530 sqft · $190/sqft · 193 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 10121 SW 45TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10121 SW 45TH 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
10121 SW 45TH AVENUE FAQs
What would the monthly payment be for 10121 SW 45TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,044/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 10121 SW 45TH AVENUE?+
The most recent tax bill on record (2025) was $590. 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 $447,900, this home is listed about 50% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10121 SW 45TH AVENUE?+
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 NEW BUILD SERVICES · Yvelise Schlaefli. MLS #OM728281.
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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