4378 NW 54TH TERRACE, OCALA, FL, 34482
Active391 days on marketListed Jul 11, 2025MLS #O6325219
About this home
4378 NW 54TH TERRACE
0 Down Financing Available! Step into this beautifully maintained Shea-built Liberty Model, offering one of the most desirable floorplans in the community. Pride of ownership shines throughout, with numerous upgrades including energy-efficient solar panels, a remote-controlled screened lanai, ceiling fans, a water softener, 8 Foot doors and so much more! Experience effortless, resort-style living in the sought-after 55+ community of Ocala Preserve, where the HOA covers complete lawn and landscape maintenance—including mowing, edging, trimming, fertilizing, pest control, and irrigation system upkeep (plus water for irrigation). Stay connected with high-speed fiber internet and enjoy exclusive access to world-class amenities. Dine at the on-site restaurant featuring an executive chef, rejuvenate at the private spa offering massages, facials, and salon services, or stay active in the state-of-the-art fitness center with complimentary classes. Outdoor enthusiasts will love the tennis, pickleball, and bocce courts, horseshoe pits, and miles of scenic walking and biking trails. Water lovers can enjoy kayaking, canoeing, or fishing from the community dock. Golfers will appreciate the unique 24-hole hybrid course—with no membership required and a fresh, flexible play experience every time you tee off. This isn’t just a home—it’s your gateway to the vibrant, low-maintenance Florida lifestyle you’ve been dreaming of. Don't miss this incredible opportunity!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,362
Sqft
0.17 ac
Lot size
3
Garage
2022
Year built
One
Levels
$197
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,303 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,303/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−13.4%
$/sqft vs OCALA PRESERVE PH 11
$197 vs $220
Days on market
391 vs 49 typical
Where $197/sqft sits among the 8 homes for sale in OCALA PRESERVE PH 11
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ocala
Get to know Ocala. See the full Ocala guide →
OCALA 34482 — neighborhood snapshot
Population
21,824
Median age
52.1
Median income
$71,449
Median home value
$247,600
Avg household
2.28
Households w/ children
1,486
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
6 of 8
OCALA PRESERVE PH 11 have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 77% above the OCALA 34482 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4378 NW 54TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$438,990
4547 NW 53RD AVENUE ROAD · same community
2 bd · 2.5 ba · 2,056 sqft · $214/sqft · 71 DOM
Sold · Dec ’25$399,000
4546 NW 53RD AVENUE ROAD · same community
2 bd · 2.5 ba · 2,056 sqft · $194/sqft · 24 DOM
Sold · Jul ’26$520,000
5408 NW 43RD STREET · same community
3 bd · 2 ba · 1,894 sqft · $275/sqft · 61 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4378 NW 54TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4378 NW 54TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4378 NW 54TH TERRACE FAQs
What would the monthly payment be for 4378 NW 54TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,303/mo — principal and interest, the actual property-tax bill, the $528/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4378 NW 54TH TERRACE?+
The association fee works out to $528 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4378 NW 54TH TERRACE?+
The most recent tax bill on record (2024) was $8,065. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4378 NW 54TH TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $465,000, this home is listed about 56% above the Ocala median of $298,819. The market section on this page shows how the area is trending.
Which schools are assigned to 4378 NW 54TH TERRACE?+
West Port High School (high), College Park Elementary School (elementary), Howard Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$465,000 runs 77% above the OCALA 34482 median — but at 2,362 sqft it's also 37% larger than the typical Ocala listing.
02Know the monthly fee
The association fee is $528/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
391 days on market against a Ocala median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $475,000, now $465,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CLASSIC · Cassie Lamoureux. MLS #O6325219.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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