5440 NE 31st Ter, photo 1
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Overview

3 bd3 ba3,269 sqft3 car garageSingle Family
TypeSingle Family
HOA$325/yr
Built2002
Lot184,259 sqft
Living area3,269 sqft
Price / sqft$356
Garage3 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)High CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsThermostat

5440 NE 31st Ter is a 2002-built home in Crosstie Ranches, Ocala. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,269 square feet of living space. Listed at $1,165,000 (about $356/sqft), 91 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $325 annually.

From the listing

One or more photo(s) has been virtually staged. Rarely does a property have this much flexibility, privacy and move-in-ready value in one setting. Privately positioned behind a gated entrance on 4.23 fully fenced acres, this equestrian-ready Ocala estate combines a beautifully updated 3,269-square-foot home with a four-stall concrete-block barn, two paddocks, a detached three-car garage and covered trailer or equipment storage—approximately 20 minutes from the World Equestrian Center. From the moment you arrive, the property feels private, peaceful and purpose-built for a buyer who wants more than a house. The expansive wraparound porch offers nearly 1,100 square feet of outdoor living space, creating the perfect setting for morning coffee, quiet evenings, entertaining or simply enjoying the acreage around you. Inside, the home blends character with modern upgrades. Ten-foot ceilings on both levels, a dramatic two-story foyer, custom iron railing, a stone fireplace and multiple living areas create a warm, inviting layout with room to live, work and entertain comfortably. The 2025 chef-inspired kitchen is designed to be the heart of the home, featuring quartz countertops, a large island, solid-wood cabinetry, farmhouse sink, beverage bar and premium 36-inch appliances. Major improvements have already been completed, giving the next owner the benefit of reduced near-term maintenance and fewer costly surprises. Updates include a 2023 roof, two HVAC systems replaced in 2025, updated water heaters and Energy Star windows installed in 2025 with a transferable warranty. Outside, the equestrian-ready setup provides the infrastructure buyers often spend years trying to create. The four-stall concrete-block barn, fenced paddocks, water access and generous trailer or equipment space make the property well suited for horses, livestock, hobby use, vehicle storage or a home-based business. Properties that combine acreage, usable equestrian infrastructure, substantial garage space and a fully updated residence are increasingly difficult to find—especially this close to Ocala amenities and the World Equestrian Center. This is not simply a home on acreage. It is a lifestyle property that is ready for its next chapter.

The essentials

Built
2002
Price / sqft
$356
On market
152 days
Annual tax
$4,509
HOA
$325/yr
Flood zone
X · Low risk
Lot
184,259 sqft
Type
Single Family Residence

At a glance

Single family
Built 2002
3 car garage
Oversized
4.23 acres
Lot size
3,269 sqft
Living area

Payment

Est. monthly payment
$7,061/mo
Down payment (20%)
$233,000
Property taxes
$376/mo
HOA
$325/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2002
Lot
184,259 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Oversized
Days on Market
152
Cathedral Ceiling(s)
Ceiling Fans(s)
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Private Yard
Bar Fridge
Convection Oven
Dishwasher
Electric Water Heater
Ice Maker
Refrigerator
Elementary
Ocala Springs Elem. School
Middle
Howard Middle School
High
Vanguard High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,509
Parcel #
14906-000-20

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Crosstie Ranches
County
Marion
MLS Area
34479 - Ocala
Lot Size
184,259 sqft
ClearedCul-De-SacFlag Lot
HOA
$325/yr
Stephen Williams

Price history

Date
Event
Price
7/9/2026
Price change
Source: Stellar MLS #O6402756
$1,165,000-2.5%
$356/sqft
5/10/2026
Listed for sale
Source: Stellar MLS #O6402756
$1,195,000
$366/sqft

Neighborhood

5440 NE 31st Ter
Ocala, FL, 34479 · 34479 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $1,165,000
$1.16M – $1.17M
99.3% – 100% of listTops out right at the list price
80% of listList price
45 of the last 88 home closings in 34479 landed at this number or higher (51%). The median one sat 52 days before it went under contract, and this one is on day 152 after a $30,000 cut.

Sample: 88 closed home sales in 34479 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$7,061/mo
Principal & interest$6,076
Property taxes$376
Insurance$583
HOA$27
Down payment20% · $233,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,165,000

$356 per sq ft

Beds and baths

3 beds, 3 baths

Size

3,269 sq ft

Time on market

152 days

Year built

2002

Monthly payment

About $7,061/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,509 annual tax bill, insurance, and the $325/yr HOA fee.

HOA fee

$325/yr

Managed by Stephen Williams.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byMAGNOLIA & MAIN REALTY ADVISORS LLCListing agent: Alissa WilliamsListing data from Stellar MLS, MLS# O6402756.

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