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Overview

4 bd2 ba1,665 sqft2 car garageSingle Family
TypeSingle Family
HOA$180/yr
Built2026
Lot4,400 sqft
Living area1,665 sqft
Price / sqft$175
Garage2 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
TARTAN FARMS AT WINDING OAKS
Type
Single Family Residence

True monthly carry

HOA
~$15/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

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

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Open FloorplanDishwasherMicrowaveRange

6848 SW 45th Ave is a 2026-built home in Tartan Farms At Winding Oaks, Ocala. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,665 square feet of living space. Listed at $292,070 (about $175/sqft), 77 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $180 annually.

From the listing

Under Construction. Welcome inside the Harper, a single-story, four bedroom and two bathroom home, offering 1,665 square feet of luxurious living space. The open-concept layout seamlessly connects the living room, dining area, and kitchen, creating a perfect space for entertaining with family and friends. With ample room for seating, it's an ideal spot for relaxation and gatherings. The kitchen features quartz countertops, stainless steel appliances, and a kitchen island. Whether you're preparing a casual meal or hosting a formal dinner, this kitchen is well-equipped to meet your culinary needs. The primary suite features a private ensuite bathroom with a double vanity and spacious walk-in closet. The remaining three bedrooms share a bathroom, and have carpeted floors and closets in each room. The Harper also includes a two-car garage and dedicated laundry room with a washer and dryer hookup. The Harper is complete with a state-of-the-art smart home system. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592

The essentials

Built
2026
Price / sqft
$175
On market
78 days
Annual tax
$0
HOA
$180/yr
Flood zone
X · Low risk
Lot
4,400 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
4,400 sqft lot
Lot size
1,665 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,061/mo
Down payment (20%)
$58,414
Property taxes
$0/mo
HOA
$180/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
4,400 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
-
Days on Market
78
Open Floorplan
Dishwasher
Microwave
Range
Middle
Liberty Middle School
High
West Port High School

Districts can re-zone, so verify directly with the district before relying on these.

In a CDD (Community Development District) Flood Zone x
Annual Tax (2025)
$0
Parcel #
35521-04-105

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
Tartan Farms At Winding Oaks
County
Marion
MLS Area
34474 - Ocala
Lot Size
4,400 sqft
HOA
$180/yr
Access Management

Price history

Date
Event
Price
8/4/2026
Price change
Source: Stellar MLS #OM729049
$292,070-0.3%
$175/sqft
-
Price change
Source: Stellar MLS #OM729049
$293,070-1.7%
$176/sqft
7/23/2026
Listed for sale
Source: Stellar MLS #OM729049
$298,070
$179/sqft

Neighborhood

6848 SW 45th Ave
Ocala, FL, 34474 · 34474 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $292,070
$290,000 – $292,070
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 78 after a $6,000 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
$2,062/mo
Principal & interest$1,523
Property taxes$377
Insurance$146
HOA$15
Down payment20% · $58,414
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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

$292,070

$175 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,665 sq ft

Time on market

78 days

Year built

2026

Monthly payment

About $2,061/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $180/yr HOA fee.

HOA fee

$180/yr

Managed by Access 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 byDR HORTON REALTY OF WEST CENTRAL FLORIDAListing agent: Jessica CruzListing data from Stellar MLS, MLS# OM729049.

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