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Open house
Sunday, Oct 11 · 5:00 PM to 7:00 PM
About this home
3970 SW 51st Ter is a 2005-built home in Saddle Creek Ph 01, Ocala. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,510 square feet of living space. Listed at $349,000 (about $139/sqft), 86 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $136 monthly.
Looking for room to grow without sacrificing comfort, character, or convenience? This spacious home offers the flexibility to live, work, entertain, and unwind—all under one roof. With 4 bedrooms, 3.5 bathrooms, 2,510 square feet of living space, plus a versatile bonus room, the thoughtfully designed layout provides an impressive amount of space while maintaining a comfortable and welcoming feel. The flexible floor plan allows each room to take on the purpose that best fits your needs, both now and in the future. Step inside and discover a home that blends thoughtful updates with original-style accents that give it warmth and character. Upgraded countertops complement the spacious kitchen, while tile and hard-surface flooring throughout the main living areas with no carpet creates a clean, cohesive look. Generous living and gathering spaces provide an easy flow for both everyday living and entertaining. Comfort continues outdoors with a fully fenced backyard, creating a defined and private outdoor space ready to be enjoyed. Additional peace of mind comes from a newer roof (2022) and recently serviced A/C System (2026). Located in the desirable Saddle Creek community, residents can enjoy a variety of neighborhood amenities including a resort-style pool, clubhouse, fitness center, tennis courts, trails, sidewalks, and streetlights. The location also keeps everyday conveniences close by, with easy access to shopping, dining, medical facilities, schools, entertainment, and major roadways. From its generous layout and flexible living spaces to its distinctive character, thoughtful updates, fenced backyard, and convenient community setting, this home offers the opportunity to settle in comfortably today while still having the space to grow for whatever comes next. Don’t miss the opportunity to make this move-in-ready home your own—schedule your private showing today! *SELLER CONCESSION AVAILABLE WITH ACCEPTABLE OFFER*
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The essentials
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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
$349,000
$139 per sq ft
Beds and baths
4 beds, 4 baths
Size
2,510 sq ft
Time on market
88 days
Year built
2005
Monthly payment
About $2,429/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,580 annual tax bill, insurance, and the $136/mo HOA fee.
HOA fee
$136/mo
Managed by Chrissann Orlando-Lowder.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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