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Overview

4 bd4 ba4,053 sqft3 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2006
Lot47,045 sqft
Living area4,053 sqft
Price / sqft$237
Garage3 car

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

About this home

Crown MoldingEat-in KitchenHigh CeilingsThermostatVaulted Ceiling(s)Walk-in Closet(s)Wet BarLighting

3970 SE 39th Cir is a 2006-built home in Arbors, Ocala. Inside you'll find 4 bedrooms, 4 bathrooms, and 4,053 square feet of living space. Listed at $959,900 (about $237/sqft), 174 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

Private 1.08-acre estate in the gated community of the Arbors, near shopping, hospitals, and dining. This 4-bedroom, 4-bath home with a dedicated office offers over 4,053 sq ft of upgraded living space with no rear neighbors. Built in 2006, the home features 12–16 ft ceilings, travertine flooring, designer lighting, and quartz countertops throughout. Recent upgrades include a new roof (2024), new HVAC system (2025), new windows and doors (2025), an assumable solar panel system (2024), and solar pool heating. The gourmet kitchen includes updated cabinetry, an induction cooktop, and a double-drawer Café Series dishwasher, opening to a wet bar and main living area. The screened lanai features a full outdoor kitchen overlooking the pool, updated with new marcite/gunite, a new skimmer, and a gas heater. Additional features include a 3-car garage, concrete slab with double-gate access for boat parking, Hunter irrigation, patio blinds, remote-controlled attic stairs, custom closets, and a whole-house Generac generator. Front fountain, lush landscaping, and vinyl privacy fencing complete the curb appeal. Schedule your private showing today.

The essentials

Built
2006
Price / sqft
$237
On market
174 days
Annual tax
$9,066
HOA
$125/mo
Flood zone
X · Low risk
Lot
47,045 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Private pool
Heated
3 car garage
1.08 acres
Lot size
4,053 sqft
Living area

Payment

Est. monthly payment
$6,366/mo
Down payment (20%)
$191,980
Property taxes
$755/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
47,045 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground, Salt Water, Solar Heat, Tile
Days on Market
174
Crown Molding
Eat-in Kitchen
High Ceilings
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Wet Bar
Lighting
Outdoor Grill
Outdoor Kitchen
Private Mailbox
Rain Gutters
Sidewalk
Gated Community - No Guard
Golf Carts OK
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
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.

Flood Zone X
Annual Tax (2025)
$9,066
Parcel #
31363-001-36

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
47,045 sqft
HOA
$125/mo
Bosshardt Property Management

Price history

Date
Event
Price
9/17/2026
Price change
Source: Stellar MLS #OM725467
$959,900-2.1%
$237/sqft
-
Price change
Source: Stellar MLS #OM725467
$980,000-2.0%
$242/sqft
5/25/2026
Listed for sale
Source: Stellar MLS #OM725467
$999,500
$247/sqft

Neighborhood

3970 SE 39th Cir
Ocala, FL, 34480 · 34480 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $959,900
$955,000 – $959,900
99.4% – 100% of listTops out right at the list price
80% of listList price
121 of the last 240 home closings in 34480 landed at this number or higher (50%). The median one sat 54 days before it went under contract, and this one is on day 174 after a $39,600 cut.

Sample: 240 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
$6,367/mo
Principal & interest$5,006
Property taxes$755
Insurance$480
HOA$125
Down payment20% · $191,980
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 includes any condo dues 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

$959,900

$237 per sq ft

Beds and baths

4 beds, 4 baths

Size

4,053 sq ft

Time on market

174 days

Year built

2006

Monthly payment

About $6,366/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,066 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

What should I offer?

Have another question?

Brokered byPROFESSIONAL REALTY OF OCALAListing agent: Steph HopsonListing data from Stellar MLS, MLS# OM725467.

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