9654 SW 40TH TERRACE, OCALA, FL, 34476
Active22 days on marketListed Jul 2, 2026MLS #R4911556
About this home
9654 SW 40TH TERRACE
Welcome to this beautifully maintained Triple Crown custom home offering 4 bedrooms, 3 full bathrooms, a separate private office and 2,397 square feet of bright, open living space on a fully fenced 0.48-acre lot. Fresh interior paint, large windows, high ceilings, 8-foot doors, tall baseboards, crown molding and wood-look ceramic tile give the home a polished, custom feel throughout the main living areas. The spacious family room is highlighted by an impressive coffered ceiling and triple sliding glass doors that open to the oversized screened and covered lanai, creating an easy connection between indoor and outdoor living. The kitchen overlooks the main living area and features granite countertops, a large center island, abundant cabinetry, stainless steel appliances and an eat-in dining area. A separate formal dining room and private office with a glass door provide added flexibility for work, study or additional living space. The desirable triple-split bedroom plan offers excellent privacy. Two secondary bedrooms share a full bathroom, while the separate fourth bedroom is located near another full bath, making it ideal for guests, multigenerational living or a private suite. The spacious primary suite includes two walk-in closets and a spa-inspired bathroom with dual vanities and an oversized glass-enclosed shower with multiple showerheads. Outside, enjoy the large screened lanai, hot tub, firepit area and expansive fenced backyard. Bring your chickens—there is no HOA, and chickens are permitted subject to applicable county regulations. The property also includes a substantial storage shed with electricity and a window air-conditioning unit, providing useful space for storage, hobbies or a workshop. Additional features include a two-car garage, inside laundry room with utility sink, energy-efficient windows and numerous custom details throughout. Located in a welcoming southwest Ocala neighborhood near Publix at Cherrywood, Freedom Public Library and the Heath Brook shopping area, with convenient access to Marshalls, DICK’S Sporting Goods, Barnes & Noble, Dillard’s, restaurants and everyday services.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,397
Sqft
0.48 ac
Lot size
2
Garage
2016
Year built
One
Levels
$188
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.
$3,409 /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
$3,409/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
+14.8%
$/sqft vs KINGSLAND COUNTRY ESTATE
$188 vs $177
Days on market
22 vs 43 typical
Where $188/sqft sits among the 27 homes for sale in KINGSLAND COUNTRY 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)
12 of 27
KINGSLAND COUNTRY 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 9654 SW 40TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$412,000
4850 SW 97TH PLACE · same community
4 bd · 3 ba · 2,374 sqft · $174/sqft · 6 DOM
Sold · Apr ’26$381,500
11251 SW 54TH CIRCLE · same community
4 bd · 3 ba · 2,331 sqft · $164/sqft · 174 DOM
Sold · May ’26$365,000
11352 SW 58TH CIRCLE · same community
4 bd · 3 ba · 2,471 sqft · $148/sqft · 6 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 9654 SW 40TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9654 SW 40TH 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
9654 SW 40TH TERRACE FAQs
What would the monthly payment be for 9654 SW 40TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,409/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 9654 SW 40TH TERRACE?+
The most recent tax bill on record (2025) was $4,813. 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 9654 SW 40TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $449,900, 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 9654 SW 40TH TERRACE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$449,900 runs 55% above the OCALA 34476 median — but at 2,397 sqft it's also 39% larger than the typical Ocala listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $459,900, now $449,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COSO REALTY · Denny Troncoso. MLS #R4911556.
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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