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Overview

4 bd3 ba2,478 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot20,038 sqft
Living area2,478 sqft
Price / sqft$181
Garage3 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
OCALA WATERWAY ESTATE
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

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Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

High CeilingsKitchen/Family Room ComboCooktopDishwasherDryerElectric Water HeaterMicrowaveRefrigerator

10121 SW 45th Ave is a 2026-built home in Ocala Waterway Estate, Ocala. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,478 square feet of living space. Listed at $447,900 (about $181/sqft), 73 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Under Construction. Under Construction. Virtually Staged. Pre-Construction. To be built. Under Construction – The Largo. This 4-bedroom, 3-bath home—available with a 3-car garage—features a wide-open, light-filled floor plan enhanced by soaring vaulted ceilings. A welcoming covered entry and spacious covered lanai extend the living area outdoors, ideal for enjoying Florida’s warm breezes. Summit Homes Florida includes the features today’s buyers expect Foresta 6X36 Oyster Plank Tile flooring throughout, 8-foot doors, 5¼-inch baseboards, a landscaped yard with irrigation, an interior laundry room, and a garage door opener. The kitchen is designed for both style and function, offering solid-surface counters with a tile backsplash, custom cabinetry with 42-inch uppers and soft-close doors and drawers, stainless-steel appliances, and a generous pantry. The large primary suite provides a relaxing retreat with a ceramic-tiled shower, dual sinks, a private commode room, and an impressive walk-in closet for exceptional storage. A Jack and Jill bath elegantly serves two additional bedrooms, blending convenience with sophistication. Thoughtful details throughout the home highlight craftsmanship and quality, blending comfort, functionality, and lasting value. From the grand proportions to the smallest architectural touch, this is a home built to inspire admiration. You won’t want to miss this one.

The essentials

Built
2026
Price / sqft
$181
On market
92 days
Annual tax
$590
Flood zone
X · Low risk
Lot
20,038 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3 car garage
0.46 acres
Lot size
2,478 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,609/mo
Down payment (20%)
$89,580
Property taxes
$49/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
20,038 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
92
High Ceilings
Kitchen/Family Room Combo
Cooktop
Dishwasher
Dryer
Electric Water Heater
Microwave
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$590
Parcel #
3578-029-032

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

Price history

Date
Event
Price
7/10/2026
Listed for sale
Source: Stellar MLS #OM728281
$447,900
$181/sqft

Neighborhood

10121 SW 45th Ave
Ocala, FL, 34476 · 34476 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $447,900
$445,000 – $447,900
99.2% – 100% of listTops out right at the list price
80% of listList price
236 of the last 471 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 92.

Sample: 471 closed home sales in 34476 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,609/mo
Principal & interest$2,336
Property taxes$49
Insurance$224
Down payment20% · $89,580
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

$447,900

$181 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,478 sq ft

Time on market

92 days

Year built

2026

Monthly payment

About $2,609/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $590 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 byNEW BUILD SERVICESListing agent: Yvelise SchlaefliListing data from Stellar MLS, MLS# OM728281.

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