Single Family Residence in OCALA WATERWAY ESTATE · No CDD · Built 2026
OCALA WATERWAY ESTATE · OCALA, FL 34476 · Marion
Listing data updated September 12, 2026 · refreshed twice daily
4Bedrooms
3Bathrooms
2,478Sq Ft
2026Year Built
$181Per Sq Ft
3-car garageNew constructionNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
3% above
$/sq ft vs community
$181 here vs $175 median sold (12 mo)
Buyer leverage
Balanced market
28 days on market
4.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~90 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 12
Price vs recent sales
Asking $448k tops 8 of the last 12 closed sales; also one of the largest homes here at 2,478 sq ft
As of September 12, 2026, 10121 Sw 45Th Avenue in Ocala Waterway Estate, Ocala is listed at $447,900 (2,478 sq ft, about $181 per sq ft). That is 24% above Ocala Waterway Estate's median closed sale of $359,950 over the last 12 months (36 recorded sales). It has been 28 days on market. Listing facts: new construction, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
2,478 sq ft of living area
3-car garage
Listed at $447,900 — recent neighborhood median sale price ~$359,950 (nearby sales; deemed reliable, not an appraisal)
28 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · OCALA WATERWAY ESTATE
Pricing & the OCALA WATERWAY ESTATE market
How this home is priced against recent nearby sales, and where OCALA WATERWAY ESTATE has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in OCALA WATERWAY ESTATE
Each dot is a closed sale since 2017 (195 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $181/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2026BuiltPer public record
Aug 4, 2026First trackedObserved at $447,900
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,886/mo
Principal & interest $2,326/mo81%
Taxes $392/mo14%
Insurance $118/mo4%
HOA $50/mo2%
$2,886/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area41
This home $181/sq ft vs the community 12-month median $175/sq ft.
Affordability9
List price $447,900 vs the community median $359,950. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~90 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity80
Community median 25 days on market (12-month record).
Renovation upside10
From a 2026 build and $181/sq ft vs the community median $175/sq ft. Not a condition assessment.
Buyer competition75
25% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power56
Recent sales closed at about 96.8% of original asking (~3.2% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 4.4 months of supply in the surrounding market and 28 days on market for this home, against a 25-day area median.Days on market:this home 28Area median: 25 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2017 through 2026. As of August 2, 2026.
🟡 Asking $181 per square foot, about 3% above the community’s $175 median. OCALA WATERWAY ESTATE’s 12-month median sold price per square foot is $175. Median sold price per square foot is down 2.7% year over year. Confidence: Very High · 36 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent OCALA WATERWAY ESTATE sales closed near 96.8% of original asking. Cash paid for about 25% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Under Construction. Under Construction. Virtually Staged.
Pre-Construction. To be built. Under Construction – Please visit the model at 604 Marion Oaks Lane.
The Largo. This 4-bedroom, 3-bath home—available with a 3-car garage—features a wide-open, light-filled floor plan enhanced by soaring vaulted ceilings. A welcoming covered entry and spacious covered lanai extend the living area outdoors, ideal for enjoying Florida’s warm breezes.
Summit Homes Florida includes the features today’s buyers expect Foresta 6X36 Oyster Plank Tile flooring throughout, 8-foot doors, 5¼-inch baseboards, a landscaped yard with irrigation, an interior laundry room, and a garage door opener. The kitchen is designed for both style and function, offering solid-surface counters with a tile backsplash, custom cabinetry with 42-inch uppers and soft-close doors and drawers, stainless-steel appliances, and a generous pantry. The large primary suite provides a relaxing retreat with a ceramic-tiled shower, dual sinks, a private commode room, and an impressive walk-in closet for exceptional storage.
A Jack and Jill bath elegantly serves two additional bedrooms, blending convenience with sophistication. Thoughtful details throughout the home highlight craftsmanship and quality, blending comfort, functionality, and lasting value. From the grand proportions to the smallest architectural touch, this is a home built to inspire admiration.
You won’t want to miss this one.
Description provided by NEW BUILD SERVICES and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$447,900
Bed / bath4 / 3
Living area2,478 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #OM728281
Listing status28 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~90 ft
Windstorm exposureLow
CountyMarion
Area listings0 active · 0 under contract
Estimated first-year tax~$4,703/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$181
Estimated monthly payment$2,886
Insurance (illustrative)$1k–$2k/yr
Messtimate range$423,738 – $483,210
Comparable-sales median$359,950
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of NEW BUILD SERVICES · Listing agent: Yvelise Schlaefli · 863-698-1142Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$423,738the mess$483,210
Actual list price: $447,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 14% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 28 days on market vs. a 25-day community median
19 active listings competing, 12 under contract
52 closed here in the last 12 months
For reference, this home is listed at $447,900 ($181/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,478 sq ft × $171–$195/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near OCALA WATERWAY ESTATE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $447,900Momentum Realty · on market 28 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,703/yr
A rough first-year estimate only, applying a typical Marion rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~90 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by NEW BUILD SERVICES · MLS # OM728281
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Market data · public records
Recent sales activity in OCALA WATERWAY ESTATE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the OCALA WATERWAY ESTATE neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$359,950
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$175
Canonical 12-month median $/sq ft. Reference only.
Go deeper on OCALA WATERWAY ESTATE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
May 2026 · Development
Leena Ocala breaks ground with 360 apartments and townhomes near Ocala International Airport
Merrimac Ventures broke ground on Leena Ocala, a 360-unit garden-style community with 300 apartments and 60 townhomes at Southwest 60th Avenue and Southwest 52nd Street in southwest Ocala, with first deliveries expected in late 2027 and full completion around 2028.
Why it matters: A new rental community of this size adds housing near the airport and the Southwest 60th Avenue corridor, a factor that can influence demand for nearby Ocala communities. The site is about 6 miles north of Ocala Waterway Estate.
Ocala approves large mixed-use development with up to 2,700 residences in southwest Ocala
The Ocala City Council approved a mixed-use development on about 251 acres along Southwest 43rd Court in southwest Ocala, clearing the way for up to roughly 2,700 residential units along with nearly one million square feet of commercial, office, and retail space.
Why it matters: A mixed-use community of this scale adds substantial future housing and commercial space to southwest Ocala, the kind of growth that can shape demand and pricing for nearby communities. The site is about 5 miles north of Ocala Waterway Estate.
World Equestrian Center buys adjacent Ocala horse farm for 4.5 million dollars
The World Equestrian Center purchased an adjacent Ocala horse farm for about 4.5 million dollars, continuing the ongoing expansion of the equestrian and hospitality complex on the northwest side of Ocala.
Why it matters: Continued expansion of the World Equestrian Center adds economic activity on the northwest side of Ocala, the kind of growth that can shape demand for nearby communities. The site is about 9 miles north of Ocala Waterway Estate.
New Publix-anchored shopping center planned in Marion Oaks
A Publix-anchored shopping center is planned at Southwest Highway 484 and Southwest 49th Court Road in the Marion Oaks area south of Ocala, adding grocery and retail to a fast-growing part of Marion County.
Why it matters: A new grocery-anchored center adds everyday retail to the Marion Oaks area, the kind of amenity that shapes convenience and demand for nearby communities. The site is about 2 miles southeast of Ocala Waterway Estate.
Schools currently assigned to this address in Marion County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Marion County Public Schools (verify by address)Public · Marion County School District
GRADEB
Hammett Bowen Jr. Elementary (34476 area)Public · Marion County School District · Grade B (Florida DOE 2025-26)
GRADEB
Liberty Middle School (34476 area)Public · Marion County School District · Grade B (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Aug 2026
$428,850
4626 SW 103RD STREET ROAD, OCALA
4 / 3 bd/ba · 2,508 sq ft · $171/sq ft
Courtesy of ADAMS HOMES REALTY INC · View details →
Sold Jun 2026
$435,850
10453 SW 42ND AVENUE, OCALA
4 / 3 bd/ba · 2,508 sq ft · $174/sq ft
Courtesy of ADAMS HOMES REALTY INC · View details →
Sold Jul 2026
$470,000
4642 SW 100TH LANE, OCALA
4 / 2.5 bd/ba · 2,407 sq ft · $195/sq ft
Courtesy of ENGEL & VOLKERS OCALA · View details →
Sold Jul 2026
$472,500
10875 SW 47TH AVENUE, OCALA
4 / 2.5 bd/ba · 2,362 sq ft · $200/sq ft
Courtesy of COLDWELL REALTY SOLD GUARANTEE · View details →
Sold Jul 2026
$515,000
3922 SW 115TH STREET, OCALA
4 / 3 bd/ba · 2,666 sq ft · $193/sq ft
Courtesy of KELLER WILLIAMS CORNERSTONE RE · View details →
Sold Jun 2026
$315,000
10969 SW 45TH AVENUE, OCALA
4 / 2 bd/ba · 2,269 sq ft · $139/sq ft
Courtesy of HOMERUN REALTY · View details →
Community 12-month median: $175/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,053 – $2,986/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$893 – −$53At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 10121 Sw 45Th Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Marion County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,478 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,703/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 10121 Sw 45Th Avenue and when was it built?
Per the listing record, 10121 Sw 45Th Avenue was built in 2026 and has 2,478 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 10121 Sw 45Th Avenue in?
10121 Sw 45Th Avenue is in Ocala Waterway Estate in Ocala, Marion County. The community section on this page shows recent closed sales, days on market, and active inventory for Ocala Waterway Estate from the same MLS data.
Does 10121 Sw 45Th Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 10121 Sw 45Th Avenue differ from the current owner's?
The estimate on this page (about $4,703 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 10121 Sw 45Th Avenue in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 10121 SW 45TH AVENUE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
