3936 SE 23RD TERRACE, OCALA, FL, 34480
Pending12 days on marketListed Jul 24, 2026MLS #OM729145
About this home
3936 SE 23RD TERRACE
Exciting opportunity! This beautiful 3-bedroom, 2 full-bath home is back on the market solely due to the seller's job transfer out of state. Located in the desirable Southeast Ocala, this gorgeous residence with a circular driveway offers a perfect blend of comfort, character and curb appeal. Step inside to find beautiful wood floors, tinted sliding glass doors and stunning exposed timber beams that add warmth, charm, and timeless architectural attributes. The thoughtfully designed floor plan with 17-foot ceilings is filled with natural light, and natural beauty. The versatile home theater room can double as a media room, game room, man cave or a home office. This new renovated spacious kitchen features solid wood cabinetry and granite counter space. A kitchen made for entertaining with all new appliances. The striking brick wall and cast-iron wood- burning stove creates a perfect focal point. Walk inside the garden to find professionally manicured landscaping with citrus and fruit trees, an irrigation well and a fenced backyard for your furry friends to play in and you to barbecue during those picturesque Florida evenings. Included is 12 X 14 workshop off the garage as well as a 2020 generator and a new 2021 roof. A one of a kind Florida home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,813
Sqft
0.55 ac
Lot size
2
Garage
1981
Year built
Two
Levels
$220
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 — not generic estimates.
$2,841 /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
$2,841/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
+50.7%
$/sqft vs Ocala actives
$220 vs $185
Days on market
12 vs 49 typical
Where $220/sqft sits among the 400 Ocala actives
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 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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)
146 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% above the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3936 SE 23RD TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$360,000
3936 SE 23RD TERRACE · same community
3 bd · 2 ba · 1,813 sqft · $199/sqft · 3 DOM
Sold · May ’26$286,000
2323 SE 40TH STREET ROAD · same community
3 bd · 2 ba · 1,771 sqft · $161/sqft · 158 DOM
Sold · May ’26$405,000
3971 SE 23RD AVENUE · same community
3 bd · 2 ba · 1,984 sqft · $204/sqft · 17 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 3936 SE 23RD TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3936 SE 23RD 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
3936 SE 23RD TERRACE FAQs
What would the monthly payment be for 3936 SE 23RD TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,841/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3936 SE 23RD TERRACE?+
The most recent tax bill on record (2025) was $1,870. 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 3936 SE 23RD TERRACE?+
The listing reports pets: Dogs OK. 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 $399,000, this home is listed about 33% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3936 SE 23RD TERRACE?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Brandi Stallman. MLS #OM729145.
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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