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Overview

4 bd2 ba2,347 sqft2 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2008
Lot33,106 sqft
Living area2,347 sqft
Price / sqft$234
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanSolid Wood CabinetsSplit BedroomStone CountersThermostatWalk-in Closet(s)

3903 SE 38th Loop is a 2008-built home in Arbors, Ocala. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,347 square feet of living space. Listed at $549,900 (about $234/sqft), 122 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

Forget today’s high rates—you can buy this home with an interest rate under 6%! This is an incredibly rare, unheard-of opportunity in this market. Don't let this one slip away! This is a Certified Pre-Owned Home -- and that changes everything. Before you ever make an offer, a licensed home inspector has already been through this home top to bottom. You get the full report at no cost. No surprises. No guessing. Just confidence. And it doesn't stop there -- your purchase comes with a 12-month Home Warranty AND our 18-month Satisfaction Guarantee: love this home, or we will buy it back or sell it for free. You won't find that anywhere else. As an added bonus you also qualify for a 1% lender credit at closing if you use our preferred lender. Welcome to your private sanctuary in The Arbors, one of Southeast Ocala’s most coveted gated communities. This beautifully updated 3-bedroom, 3-bathroom residence—featuring a flexible office or 4th bedroom. The interior boasts a seamless flow, highlighted by stunning new flooring throughout the main living areas. new roof in 2022. Complementing this major upgrade is an expansive, fully fenced-in backyard, providing a secure and private haven for pets to roam, children to play, or for hosting weekend gatherings. Whether you're looking for a spacious floorplan or an outdoor retreat, this property delivers on both fronts.

The essentials

Built
2008
Price / sqft
$234
On market
136 days
Annual tax
$6,122
HOA
$125/mo
Flood zone
X · Low risk
Lot
33,106 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
2 car garage
0.76 acres
Lot size
2,347 sqft
Living area

Payment

Est. monthly payment
$3,778/mo
Down payment (20%)
$109,980
Property taxes
$510/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
33,106 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
136
Ceiling Fans(s)
High Ceilings
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Deed Restrictions
Gated Community - No Guard
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
South Ocala Elementary School
Middle
Osceola Middle School
High
Forest 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)
$6,122
Parcel #
31363-001-09

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
Arbors
County
Marion
MLS Area
34480 - Ocala
Lot Size
33,106 sqft
ClearedCity LimitsOversized LotPrivateSidewalkPaved
HOA
$125/mo
Bosshardt Property Management

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #OM725417
$549,900-4.3%
$234/sqft
-
Price change
Source: Stellar MLS #OM725417
$574,900-5.6%
$245/sqft
5/26/2026
Listed for sale
Source: Stellar MLS #OM725417
$609,000
$259/sqft

Neighborhood

3903 SE 38th Loop
Ocala, FL, 34480 · 34480 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $549,900
$545,000 – $549,900
99.3% – 100% of listTops out right at the list price
80% of listList price
92 of the last 183 home closings in 34480 landed at this number or higher (50%). The median one sat 49 days before it went under contract, and this one is on day 136 after a $59,100 cut.

Sample: 183 closed home sales in 34480 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,778/mo
Principal & interest$2,868
Property taxes$510
Insurance$275
HOA$125
Down payment20% · $109,980
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

$549,900

$234 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,347 sq ft

Time on market

136 days

Year built

2008

Monthly payment

About $3,778/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,122 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by Bosshardt Property Management.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byCOLDWELL REALTY SOLD GUARANTEEListing agent: Scott ColdwellListing data from Stellar MLS, MLS# OM725417.

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