3578 NE 38TH LANE, OCALA, FL, 34479
Active29 days on marketListed Jun 29, 2026MLS #O6420746
About this home
3578 NE 38TH LANE
Under Construction. This new single-story residence is optimized for gracious and modern living. Two secondary bedrooms are arranged near a bathroom at the front of the home, while the owner’s suite is nestled in the back with an attached bathroom and walk-in closet. Down the foyer is the open living area, which includes a kitchen, café and Great Room with a screened porch. A study ideal for at-home work rounds out the home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,703
Sqft
0.22 ac
Lot size
2
Garage
2025
Year built
One
Levels
$170
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 and the real association fee — not generic estimates.
$2,033 /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
$2,298/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.
vs edgeAI estimate
+2.3%
$/sqft vs Ocala actives
$170 vs $181
Days on market
29 vs 43 typical
Where $170/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 34479 — neighborhood snapshot
Population
13,265
Median age
41.2
Median income
$54,805
Median home value
$190,400
Avg household
2.44
Households w/ children
1,553
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)
158 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 18% above the OCALA 34479 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3578 NE 38TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$255,000
3153 NE 35TH PLACE · same community
4 bd · 2.5 ba · 1,875 sqft · $136/sqft · 50 DOM
Sold · Jul ’26$265,000
3201 NE 38TH LANE · same community
4 bd · 2.5 ba · 1,879 sqft · $141/sqft · 132 DOM
Sold · May ’26$277,000
3236 NE 38TH LANE · same community
4 bd · 2.5 ba · 1,879 sqft · $147/sqft · 70 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3578 NE 38TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3578 NE 38TH LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
3578 NE 38TH LANE FAQs
What would the monthly payment be for 3578 NE 38TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,033/mo — principal and interest, estimated property taxes, the $44/mo association fee 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.
How much are the HOA fees at 3578 NE 38TH LANE?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3578 NE 38TH LANE?+
The most recent tax bill on record (2024) was $0. 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 3578 NE 38TH LANE?+
The listing reports pets: 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 $288,990, this home is listed about 3% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3578 NE 38TH LANE?+
Anthony Elementary School (elementary), North Marion High School (high), North Marion Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LENNAR REALTY · Ben Goldstein. MLS #O6420746.
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 3578 NE 38TH LANE 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 Eric to ping you on any price or status change →