521 SE 38th St, photo 1
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Overview

5 bd5 ba3,283 sqft2 car garageSingle Family
TypeSingle Family
HOA$175/mo
Built2022
Lot9,148 sqft
Living area3,283 sqft
Price / sqft$190
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanSolid Surface CountersSplit BedroomThermostat

521 SE 38th St is a 2022-built home in Bellechase, Ocala. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,283 square feet of living space. Listed at $625,000 (about $190/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 monthly.

From the listing

Beautiful 2022-built home located in the desirable gated Villas of Bellechase subdivision in Southeast Ocala. With nearly 3,300 square feet of living space, this is one of the largest homes in the community and offers an exceptional, open floor plan with plenty of room for everyday living and entertaining. The home features five bedrooms, all with walk-in closets. Two bedrooms are conveniently located downstairs, including the spacious primary suite and a guest suite with its own en-suite bathroom that could easily serve as a mother-in-law quarters. A half bath is also located downstairs for guests. Upstairs offers a large loft with wet bar, three additional guest bedrooms, including one with an en-suite full bathroom. There is also an upstairs balcony. The spacious kitchen is designed for entertaining and features a gas range, wall oven & microwave, brand-new dishwasher, stacked stone backsplash, oversized island, generous eat-in area, and butler's pantry leading to a large walk-in pantry. Additional features include an interior laundry room with countertop, convenient under-stair storage, and two HVAC systems, with one dedicated to each floor. The large back patio has been extended and includes an installed gazebo, creating the perfect space to relax and enjoy the upcoming cooler evenings. The garage includes an installed electric vehicle charging outlet and hanging storage racks for added convenience. This spacious Bellechase home combines modern construction, thoughtful design, and an abundance of living and storage space in a desirable gated community. Special Financing Incentives available on this property from SIRVA Mortgage.

The essentials

Built
2022
Price / sqft
$190
On market
17 days
Annual tax
$10,857
HOA
$175/mo
Flood zone
X · Low risk
Lot
9,148 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
2 car garage
Driveway
9,148 sqft lot
Lot size
3,283 sqft
Living area

Payment

Est. monthly payment
$4,652/mo
Down payment (20%)
$125,000
Property taxes
$905/mo
HOA
$175/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
9,148 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Electric Vehicle Charging Station(s), Garage Door Opener
Days on Market
17
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Solid Surface Counters
Split Bedroom
Thermostat
Sidewalk
Deed Restrictions
Gated Community - Guard
Sidewalks
Bar Fridge
Built-in Oven
Dishwasher
Microwave
Range
Refrigerator
Elementary
Shady Hill Elementary School
Middle
Osceola Middle School
High
Belleview High School

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

Flood Zone X
Annual Tax (2025)
$10,857
Parcel #
30598-03-034

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
Bellechase
County
Marion
MLS Area
34480 - Ocala
Lot Size
9,148 sqft
HOA
$175/mo
Stephanie Mallory

Price history

Date
Event
Price
9/22/2026
Listed for sale
Source: Stellar MLS #OM732724
$625,000
$190/sqft

Neighborhood

521 SE 38th St
Ocala, FL, 34480 · 34480 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $625,000
$620,000 – $625,000
99.2% – 100% of listTops out right at the list price
80% of listList price
93 of the last 184 home closings in 34480 landed at this number or higher (51%). The median one sat 49 days before it went under contract, and this one is on day 17.

Sample: 184 closed home sales in 34480 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,652/mo
Principal & interest$3,260
Property taxes$905
Insurance$313
HOA$175
Down payment20% · $125,000
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

$625,000

$190 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,283 sq ft

Time on market

17 days

Year built

2022

Monthly payment

About $4,652/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $10,857 annual tax bill, insurance, and the $175/mo HOA fee.

HOA fee

$175/mo

Managed by Stephanie Mallory.

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 byROBERTS REAL ESTATE INCListing agent: Melissa BrackettListing data from Stellar MLS, MLS# OM732724.

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