4190 SW 103rd Street Rd, photo 1
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Overview

4 bd4 ba3,366 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2006
Lot20,038 sqft
Living area3,366 sqft
Price / sqft$172
Garage3 car

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

About this home

Cathedral Ceiling(s)Central VaccumEat-in KitchenOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit BedroomThermostat

4190 SW 103rd Street Rd is a 2006-built home in Ocala Waterway Estate, Ocala. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,366 square feet of living space. Listed at $579,500 (about $172/sqft), 92 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to refined Florida living in this beautifully crafted custom home located in the desirable Ocala Waterway Estates. From the moment you arrive, you’ll notice the difference—this is not your typical cookie-cutter property. With timeless curb appeal, manicured landscaping, and a grand presence, this home offers character, space, and quality that new construction simply can’t replicate. Offering approximately 3,366 square feet of thoughtfully designed living space, this residence features 4 bedrooms and 4 full bathrooms, providing flexibility for a variety of living arrangements, guests, or multi-generational use. Step through the stately double-door entry into a light-filled, open floor plan with soaring ceilings and elegant finishes. The spacious great room is the heart of the home, complete with a gas fireplace and expansive views of the private screened-in pool and spa—perfect for entertaining or relaxing evenings. The chef’s kitchen is designed for both function and style, featuring custom cabinetry, stainless steel appliances, a large breakfast bar, and seamless flow into the breakfast nook and living area. The primary suite offers a true retreat with a tray ceiling, propane fireplace, and a spa-inspired bathroom featuring dual vanities, a jetted soaking tub, separate walk-in shower, and a generous walk-in closet. Three additional bedrooms and three full bathrooms provide ample space and privacy throughout the home. This property is packed with features rarely found in newer homes, including dual A/C units for zoned climate control, a newer roof (approximately 3 years old), extensive interior and exterior storage, a detached 14x21 workshop with power and air—ideal for hobbies, projects, or creative space, a 45x12 reinforced RV pad with dual 50-amp hookups, and a 3-car garage. The backyard extends beyond the existing fence line, offering additional usable space, along with underground drainage for added functionality. Conveniently located near schools, shopping, dining, I-75, and the Florida Greenway, this home offers both accessibility and privacy without the restrictions of an HOA. If you’ve been searching for a home with space, character, and true versatility, this is a rare opportunity to own something that stands apart from the rest.

The essentials

Built
2006
Price / sqft
$172
On market
115 days
Annual tax
$4,227
Flood zone
X · Low risk
Lot
20,038 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Private pool
Heated
3 car garage
0.46 acres
Lot size
3,366 sqft
Living area

Payment

Est. monthly payment
$3,664/mo
Down payment (20%)
$115,900
Property taxes
$352/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
20,038 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Heated, In Ground, Screen Enclosure
Days on Market
115
Cathedral Ceiling(s)
Central Vaccum
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Mailbox
Storage
Dishwasher
Microwave
Range
Refrigerator
Elementary
Hammett Bowen Jr. Elementary
Middle
Liberty Middle School
High
West Port 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 (2024)
$4,227
Parcel #
3578-011-016

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
Ocala Waterway Estate
County
Marion
MLS Area
34476 - Ocala
Lot Size
20,038 sqft
Cleared

Price history

Date
Event
Price
8/18/2026
Price change
Source: Stellar MLS #OM726736
$579,500-1.7%
$172/sqft
6/16/2026
Listed for sale
Source: Stellar MLS #OM726736
$589,500
$175/sqft

Neighborhood

4190 SW 103rd Street Rd
Ocala, FL, 34476 · 34476 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $579,500
$575,000 – $579,500
99.3% – 100% of listTops out right at the list price
80% of listList price
234 of the last 467 home closings in 34476 landed at this number or higher (50%). The median one sat 43 days before it went under contract, and this one is on day 115 after a $10,000 cut.

Sample: 467 closed home sales in 34476 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,664/mo
Principal & interest$3,022
Property taxes$352
Insurance$290
Down payment20% · $115,900
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%. 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

$579,500

$172 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,366 sq ft

Time on market

115 days

Year built

2006

Monthly payment

About $3,664/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,227 annual tax bill, insurance.

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 byLOT & BLOCK REALTYListing agent: Betti SilvermanListing data from Stellar MLS, MLS# OM726736.

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