Single Family Residence in OCALA WATERWAY ESTATE · No CDD on record · Built 2023
OCALA WATERWAY ESTATE · Ocala, FL 34476 · Marion County
Listing data updated October 17, 2026 at 5:46 AM ET · checked against the MLS hourly
Listed by LPT REALTY, LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,603Sq Ft
2023Year Built
$250Per Sq Ft
Private pool2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
43% above
$/sq ft vs community
$250 here vs $175 median sold (12 mo)
Buyer leverage
Balanced market
4.7-month supply
4.7 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 17, 2026, 11492 Sw 43Rd Court in Ocala Waterway Estate, Ocala is listed at $400,000 (1,603 sq ft, about $250 per sq ft). That sits within a few percent of Ocala Waterway Estate's median closed sale of $359,950 over the last 12 months (36 recorded sales). Per square foot it is above the community's recent $175/sq ft by about 43%. It came to market within the past week. Listing facts: built in 2023, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2023 · 3 yrs
1,603 sq ft of living area
2-car garage
Listed at $400,000 — recent neighborhood median sale price ~$359,950 (nearby sales; deemed reliable, not an appraisal)
Active listing
No HOA reported by the listing (confirm)
Listing description
About this home
Under contract-accepting backup offers. RATE ALERT: This home comes with an assumable VA mortgage at just 5.375% — a rare opportunity for an eligible veteran to lock in savings well below today's market rates. Beyond the financing, this 2023-built home sits on a rare .62-acre homesite with NO HOA to hold you back.
A large screened saltwater pool anchors the backyard, fully enclosed by a 6' PVC privacy fence along the back and sides — your own private retreat, hidden from view. Step inside to an open-concept layout filled with natural light, ideal for everyday living and entertaining. The kitchen is both functional and beautifully designed, featuring upgraded cabinetry, appliances, and an oversized walk-in pantry with plenty of storage.
French doors open directly to the covered patio and screened pool area, blending indoor and outdoor living seamlessly. The spacious primary suite offers a large walk-in closet and a well-appointed en-suite bath with dual vanities and a glass-enclosed shower. Additional bedrooms provide comfortable space for family, guests, or a home office.
With a near-new build, a sprawling .62-acre lot, a private screened saltwater pool, added privacy fencing, no HOA restrictions, and a potentially assumable 5.375% VA loan, this property offers a combination that's increasingly hard to find. Schedule your private showing today.
Description provided by LPT REALTY, LLC and reproduced from the MLS; not independently verified.
Listing courtesy of LPT REALTY, LLC · Listing agent: Hoss Pollard · 877-366-2213Provided 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.
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$400,000
Bed / bath3 / 2
Living area1,603 sq ft
Year built2023
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8543297
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~87 ft
CountyMarion
Area listings0 active · 0 under contract
Estimated first-year tax~$4,200/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$250
Estimated monthly payment$2,679
Insurance (illustrative)$1k–$2k/yr
Messtimate range$218,008 – $286,937
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
Financing
Estimated monthly payment
$2,679/mo
Principal & interest $2,216/mo83%
Taxes $350/mo13%
Insurance $113/mo4%
$2,679/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
Buy at the asking price of $400,000 and the first-year bill resets to about $4,400/yr (Marion County total millage 12.08 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Marion County is $1,263/yr (1,973 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote.
Roof and age
Built in 2023. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $472/month (tax $367, insurance $105). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.)
~$4,200/yr
Estimate: a typical Marion effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~87 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Marion County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingVery Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windRelatively High
DroughtRelatively Low
HailVery Low
Cold waveRelatively High
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
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 $250/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2023BuiltPer public record
Aug 29, 2026First seen on movewithmomentum.comObserved at $400,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $400,000Momentum Realty · on market 0 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in OCALA WATERWAY ESTATE in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Courtesy of CANOPY OAKS REAL ESTATE · View details →
Sold Sep 2026
$364,900
3951 SW 108TH PLACE, OCALA
4 / 2 bd/ba · 2,043 sq ft · $179/sq ft
Courtesy of CANOPY OAKS REAL ESTATE · View details →
Median of these 6 sales: $359,950 ($175/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$242,900the mess$283,700
Directional estimate — built from 8 comparable closed sales in OCALA WATERWAY ESTATE (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,978 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.7% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $400,000 ($250/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 17% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
21 active listings competing, 15 under contract
54 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (8); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 17, 2026.
Momentum Scores
Momentum Property Score
48/100
Strongest on: Market liquidity (80), Buyer competition (75)
0 limited50100 exceptional
48/100 is below average 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 area0
This home $250/sq ft vs the community 12-month median $175/sq ft.
Affordability31
List price $400,000 vs the community median $359,950. Not a measure of personal affordability.
Market liquidity80
Community median 25 days on market (12-month record).
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.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $250 per square foot, about 43% 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 October 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LPT REALTY, LLC · MLS # TB8543297
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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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
UF Health to expand Ocala Neighborhood Hospital by 28,300 square feet
UF Health announced an expansion of its Ocala Neighborhood Hospital at 2100 NW 35th Avenue Road adding an infusion center, orthopaedic and sports medicine services and a multispecialty physician office, with cancer services and urology planned for the third floor. Construction is expected to begin in September 2026 with completion slated for next summer. The first two floors stay open during the work.
Why it matters: Added outpatient and specialty services on the northwest side of Ocala expand local healthcare access and shorten some trips to larger regional hospitals. The site is about 10 miles north of Ocala Waterway Estate.
Marion County School Board largely approves plan to replace 11 aging schools and close four over five years
On August 11, 2026 the school board approved most of its Future-Focused Operations Plan, which replaces 11 facilities, closes four schools and removes 86 portable buildings. Belleview and Belleview-Santos elementaries would combine in a new southeast school, and Sparr, Anthony and Reddick-Collier would merge into a new north-end elementary opening in 2029-30. A replacement Lake Weir Middle is slated for 2027-28, and the Wyomina Park Elementary rezoning decision was delayed.
Why it matters: School attendance zones and campus locations will shift over the next five years, which affects school access for neighborhoods in Belleview, north Marion and central Ocala. The site is about 9 miles northeast of Ocala Waterway Estate.
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.
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.
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)
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 11492 Sw 43Rd Court, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2023: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 1,603 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 $4,200/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 17, 2026)
Comparable sales
Stellar MLS closed sales in OCALA WATERWAY ESTATE, last 18 months, as of August 2, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
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 11492 Sw 43Rd Court and when was it built?
Per the listing record, 11492 Sw 43Rd Court was built in 2023 and has 1,603 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 11492 Sw 43Rd Court in?
11492 Sw 43Rd Court is in Ocala Waterway Estate in Ocala, Marion County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 11492 Sw 43Rd Court 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 11492 Sw 43Rd Court differ from the current owner's?
The estimate on this page (about $4,200 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 11492 Sw 43Rd Court in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 11492 SW 43RD COURT 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
