4869 SW 115TH STREET, OCALA, FL, 34476
Active13 days on marketListed Jul 22, 2026MLS #OM728991
About this home
4869 SW 115TH STREET
Welcome to this beautiful 4-bedroom, 2-bath home in the desirable Ocala Waterway Estates community. Conveniently located near the new Publix, Freedom Branch Library, the 49th Avenue Trailhead, shopping, dining, medical facilities, schools, and the VA Clinic, this home offers both comfort and convenience. The spacious floor plan features formal living and dining rooms, a large great room, and tile flooring throughout. The kitchen is appointed with upgraded cabinetry, stone countertops, and stainless steel appliances. The primary suite boasts a tray ceiling, private access to the covered lanai, and an ensuite bath with a tiled walk-in shower, soaking tub, and dual vanities. Outside, enjoy the manicured landscaping, irrigation system, and circular driveway. This move-in-ready home combines quality finishes with an excellent location.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,141
Sqft
0.62 ac
Lot size
2
Garage
2025
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$179 /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
$179/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs OCALA WATERWAY ESTATE
$1 vs $176
Days on market
13 vs 48 typical
Where $1/sqft sits among the 16 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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
1 of 16
OCALA WATERWAY ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4869 SW 115TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$236,000
4633 SW 103RD PLACE · same community
3 bd · 2 ba · 2,135 sqft · $111/sqft · 4 DOM
Sold · Apr ’26$350,000
10381 SW 48TH AVENUE · same community
3 bd · 2 ba · 2,161 sqft · $162/sqft · 18 DOM
Sold · Jun ’26$405,999
10160 SW 39TH TERRACE · same community
4 bd · 3.5 ba · 2,230 sqft · $182/sqft · 165 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 4869 SW 115TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4869 SW 115TH STREET — 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
4869 SW 115TH STREET FAQs
What would the monthly payment be for 4869 SW 115TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $179/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4869 SW 115TH STREET?+
The listing reports pets: No. 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 $2,600, this home is listed about 99% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4869 SW 115TH STREET?+
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 HOMERUN REALTY · Haydee Ruiz. MLS #OM728991.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 4869 SW 115TH STREET but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →