3970 SW 51st Ter, photo 1
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Overview

4 bd4 ba2,510 sqft2 car garageSingle Family
TypeSingle Family
HOA$136/mo
Built2005
Lot8,052 sqft
Living area2,510 sqft
Price / sqft$139
Garage2 car

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

Open house

Sunday, Oct 11 · 5:00 PM to 7:00 PM

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsIN Wall Pest SystemKitchen/Family Room ComboPrimarybedroom UpstairsStone CountersThermostat

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.

From the listing

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*

The essentials

Built
2005
Price / sqft
$139
On market
88 days
Annual tax
$3,580
HOA
$136/mo
Flood zone
X · Low risk
Lot
8,052 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Fitness center too
2 car garage
8,052 sqft lot
Lot size
2,510 sqft
Living area

Payment

Est. monthly payment
$2,429/mo
Down payment (20%)
$69,800
Property taxes
$298/mo
HOA
$136/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
8,052 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
88
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Primarybedroom Upstairs
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Clubhouse
Fitness Center
Pool
Street Lights
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Saddlewood Elementary School
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 (2025)
$3,580
Parcel #
2386-100-145

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
Saddle Creek Ph 01
County
Marion
MLS Area
34474 - Ocala
Lot Size
8,052 sqft
HOA
$136/mo
Chrissann Orlando-Lowder

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #OM728078
$349,000-5.7%
$139/sqft
-
Price change
Source: Stellar MLS #OM728078
$369,900-1.3%
$147/sqft
7/13/2026
Listed for sale
Source: Stellar MLS #OM728078
$374,900
$149/sqft

Neighborhood

3970 SW 51st Ter
Ocala, FL, 34474 · 34474 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $349,000
$347,500 – $349,000
99.4% – 100% of listTops out right at the list price
80% of listList price
78 of the last 155 home closings in 34474 landed at this number or higher (50%). The median one sat 48 days before it went under contract, and this one is on day 88 after a $25,900 cut.

Sample: 155 closed home sales in 34474 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,429/mo
Principal & interest$1,820
Property taxes$298
Insurance$175
HOA$136
Down payment20% · $69,800
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

$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.

Offer

What should I offer?

Have another question?

Brokered byROBB HARRISON REALTY INCListing agent: Rudolph Hernandez, JrListing data from Stellar MLS, MLS# OM728078.

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