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About this home
3948 SE 40th St is a 2005-built home in Arbors, Ocala. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,114 square feet of living space. Listed at $685,000 (about $220/sqft), 53 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.
Virtually Staged. Welcome to 3,114 square feet of comfortable Florida living with a screened saltwater pool, spa and separate pool house designed for entertaining. Step through the foyer where a private office sits to the left before the home opens into a spacious family room with two sets of French doors overlooking the pool and outdoor living area. The primary suite is privately positioned away from the guest bedrooms and features dual closets, marble countertops, a jetted tub, walk-in shower and direct access to the pool. The kitchen offers granite countertops and a breakfast nook, with a separate formal dining room nearby. Guest bedrooms and the second full bathroom are located on the opposite side of the home. Crown molding finishes the bedrooms and formal dining room, while composite wood and tile flooring extend throughout most of the home. Outside, enjoy a freshly painted pool deck, screened saltwater pool with solar heating, gas-heated spa, WiFi-controlled Hayward system and upgraded WiFi pool lighting. The pool was resurfaced with new tile and a new pump in 2021, and the enclosure was rescreened in 2026. The separate pool house adds something special, featuring a half bath and bar area with granite countertop, refrigerator, sink and cabinetry. A sliding pass-through window opens directly to the pool, creating a great setup for entertaining. The space offers plenty of flexibility for a game room, home gym, hobby space or private retreat. Additional features include a 2021 roof, 2021 exterior paint, real wood blinds, lighted art niches, updated light fixtures, whole-home speakers with individual room controls, irrigation, additional attic and kitchen storage, security equipment and original home blueprints. Wire 3 fiber internet is also being installed. This home brings together a spacious split-bedroom layout, dedicated office, inviting indoor living spaces and an outdoor setup made for enjoying Florida year-round.
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The essentials
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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.
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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 includes any condo dues 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
$685,000
$220 per sq ft
Beds and baths
3 beds, 3 baths
Size
3,114 sq ft
Time on market
53 days
Year built
2005
Monthly payment
About $4,502/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,541 annual tax bill, insurance, and the $125/mo HOA fee.
HOA fee
$125/mo
Managed by Bosshardt Property 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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