3697 SW 128TH PLACE, OCALA, FL, 34473
Active37 days on marketListed Jun 17, 2026MLS #OM726707
About this home
3697 SW 128TH PLACE
Opportunity knocks — and this one is priced to move. Tucked in a sought-after Marion Oaks location just minutes from I-75 and convenient to everything the north 484 corridor offers, this stunning 2020-built home delivers modern living at its finest — with the added bonus of being within walking distance to Marion Oaks Elementary, a huge win for families. Step inside and feel the difference. A bright, open-concept floor plan welcomes you with natural light, clean contemporary finishes, and a kitchen designed to impress — granite countertops, a smart layout, and a seamless flow into the main living areas that makes everyday life feel effortless and entertaining feel easy. Out back, your private retreat awaits. A remote-controlled retractable awning with integrated lighting transforms the outdoor space into a year-round haven — whether you're hosting friends or unwinding after a long day. The beautifully landscaped yard adds curb appeal, privacy, and low-maintenance charm. The split-bedroom floor plan offers flexibility for guests, a home office, or multi-generational living, while the primary suite delivers a true escape with a spa-inspired bath. A two-car garage with built-in storage rounds out the package. Move-in ready. Immaculately maintained. Motivated seller. And with the elementary school just a short walk away, mornings just got a lot easier. This one won't last — schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,886
Sqft
0.31 ac
Lot size
2
Garage
2020
Year built
One
Levels
$193
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.
$2,733 /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
$2,733/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
+19.9%
$/sqft vs Ocala actives
$193 vs $181
Days on market
37 vs 43 typical
Where $193/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34473 — neighborhood snapshot
Population
25,030
Median age
39.4
Median income
$70,559
Median home value
$242,400
Avg household
2.98
Households w/ children
3,117
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)
154 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 44% above the OCALA 34473 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3697 SW 128TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$317,500
4104 SW 130TH PLACE · same community
4 bd · 3 ba · 1,952 sqft · $163/sqft · 75 DOM
Sold · Jul ’26$315,000
4825 SW 134TH LOOP · same community
4 bd · 3 ba · 1,990 sqft · $158/sqft · 282 DOM
Sold · Jun ’26$339,900
4049 SW 134TH STREET · same community
4 bd · 3 ba · 1,990 sqft · $171/sqft · 198 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 3697 SW 128TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3697 SW 128TH PLACE — 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
3697 SW 128TH PLACE FAQs
What would the monthly payment be for 3697 SW 128TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,733/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 3697 SW 128TH PLACE?+
The most recent tax bill on record (2025) was $3,163. 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 $364,900, this home is listed about 22% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3697 SW 128TH PLACE?+
Horizon Academy At Marion Oaks (middle), Sunrise Elementary School (elementary), Dunnellon 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 AXEN REALTY, LLC · Jennifer Hay. MLS #OM726707.
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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