1870 SE 38TH STREET, OCALA, FL, 34480
Active31 days on marketListed Jun 23, 2026MLS #OM727262
About this home
1870 SE 38TH STREET
Welcome home to this beautifully maintained SE Ocala gem! Nestled on a spacious lot in an established neighborhood, this home offers the perfect blend of comfort, charm, and peace of mind with major updates already completed for you. Enjoy new windows installed in 2025, a roof replaced in 2018, and a new water heater in 2024—giving buyers confidence for years to come. Step inside to find inviting living spaces filled with natural light, a functional layout perfect for everyday living, and plenty of room to relax or entertain. Whether you're enjoying a quiet evening at home or hosting family and friends, this property offers the flexibility and comfort you've been searching for. Conveniently located close to shopping, dining, medical facilities, and everything Ocala has to offer, this move-in-ready home combines a desirable location with valuable updates that make homeownership easy. If you're looking for a property that's been cared for and thoughtfully improved, this one deserves a spot at the top of your list!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,692
Sqft
0.25 ac
Lot size
2
Garage
1979
Year built
One
Levels
$141
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.
$2,018 /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
$2,018/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
+2.1%
$/sqft vs Ocala actives
$141 vs $181
Days on market
31 vs 43 typical
Where $141/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 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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 17% below the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 1870 SE 38TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$136,500
2061 SE 39TH STREET · same community
3 bd · 2 ba · 1,634 sqft · $84/sqft · 5 DOM
Sold · Feb ’26$249,900
4001 SE 19TH AVENUE · same community
3 bd · 2 ba · 1,575 sqft · $159/sqft · 61 DOM
Sold · Dec ’25$240,000
4041 SE 20TH COURT · same community
3 bd · 2 ba · 1,302 sqft · $184/sqft · 155 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 1870 SE 38TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1870 SE 38TH STREET — 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
1870 SE 38TH STREET FAQs
What would the monthly payment be for 1870 SE 38TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,018/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 1870 SE 38TH STREET?+
The most recent tax bill on record (2025) was $4,139. 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 $239,000, this home is listed about 20% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1870 SE 38TH STREET?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview 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 MAGNOLIA HOMES AND LAND LLC · Maria Esposito. MLS #OM727262.
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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