Overview
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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
6986 SW 44th Cir is a 2026-built home in Tartan Farms At Winding Oaks, Ocala. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,836 square feet of living space. Listed at $449,220 (about $158/sqft), 49 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $180 annually.
Under Construction. This one-story, all concrete block constructed home has a truly open concept plan, featuring a large great room, separate dining room, and well-appointed kitchen with dining area, all overlooking a covered lanai. This single story plan features two bedrooms at the front of the home which share a jack-and-jill full bathroom, as well as a multi-gen living space past the powder bath and laundry room. The Bedroom 1 which includes Bathroom 1 is located on the back of the home for privacy, offering beautiful views of the backyard. 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.
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The essentials
At a glance
Payment
Details
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
Neighborhood
Market insights
Offer Insights
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Sample: 155 closed home sales in 34474 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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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
$449,220
$158 per sq ft
Beds and baths
4 beds, 4 baths
Size
2,836 sq ft
Time on market
51 days
Year built
2026
Monthly payment
About $3,163/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.
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