Single Family Residence in OCALA WATERWAY ESTATE · No CDD · Built 2026
OCALA WATERWAY ESTATE · Ocala, FL 34476 · Marion
Listing data updated September 15, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
1,873Sq Ft
2026Year Built
$211Per Sq Ft
3-car garageNew constructionNo CDD4 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.
21% above
$/sq ft vs community
$211 here vs $175 median sold (12 mo)
Buyer leverage
Balanced market
4.4-month supply
4.4 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 September 15, 2026, 3820 Sw 113Th Place in Ocala Waterway Estate, Ocala is listed at $394,400 (1,873 sq ft, about $211 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 21%. It came to market within the past week. Listing facts: new construction, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
1,873 sq ft of living area
3-car garage
Listed at $394,400 — recent neighborhood median sale price ~$359,950 (nearby sales; deemed reliable, not an appraisal)
Active listing
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 $211/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2026BuiltPer public record
Sep 15, 2026First trackedObserved at $394,400
NowUnder contractCurrently pending
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
$2,547/mo
Principal & interest $2,049/mo80%
Taxes $345/mo14%
Insurance $104/mo4%
HOA $50/mo2%
$2,547/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Market liquidity (80), Buyer competition (75)
0 limited50100 exceptional
42/100 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 $211/sq ft vs the community 12-month median $175/sq ft.
Affordability34
List price $394,400 vs the community median $359,950. Not a measure of personal affordability.
Market liquidity80
Community median 25 days on market (12-month record).
Renovation upside10
From a 2026 build and $211/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
🟡 Asking $211 per square foot, about 21% 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 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Under Construction. Heron- Beautiful New Construction in an established neighborhood! Once you walk past the stone front facade and see the soaring 9+ foot ceilings and the extra-large (8 foot) slider you won't want to leave!
The beautiful kitchen is a cook's dream. Quartz counters atop solid wood cabinets with soft closed doors and drawers with elegant hardware. A center island completes this dream room.
You won't believe the huge pantry and laundry areas tucked away and out of sight. The Primary bedroom is spacious and has a top tier bathroom with a tiled walk-in shower, dual sinks and a massive walk-in closet and separate toilet room. There are 3 more spacious bedrooms.
The entire family can comfortably spread out in the expansive great room. There is solid surface flooring throughout the home for easy cleaning. Upgraded raised height vanities and toilets in all bathrooms.
Extra-large covered lanai for enjoying the Florida weather. Don't miss out on this incredible opportunity to own this beautiful home. Call Today!!!
Photos are a different home, but the same model. Come by our model at 5069 SW 109th Loop.
Description provided by ESTELA REALTY LLC 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$394,400
Bed / bath4 / 2
Living area1,873 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #OM732260
Listing statusPending
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyMarion
Area listings0 active · 0 under contract
Estimated first-year tax~$4,141/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$211
Estimated monthly payment$2,547
Insurance (illustrative)$1k–$2k/yr
Messtimate range$265,966 – $342,759
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 ESTELA REALTY LLC · Listing agent: Moraima Abreu · 305-522-9856Provided 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.
$265,966the mess$342,759
Actual list price: $394,400 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 29% 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:
19 active listings competing, 14 under contract
52 closed here in the last 12 months
For reference, this home is listed at $394,400 ($211/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: 1,873 sq ft × $142–$183/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 15, 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 $394,400Momentum Realty · on market 0 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.)
~$4,141/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 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
$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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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 ESTELA REALTY LLC · MLS # OM732260
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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 Jul 2026
$356,000
10877 SW 45TH COURT, OCALA
4 / 2 bd/ba · 2,020 sq ft · $176/sq ft
Courtesy of BERKSHIRE HATHAWAY HS FLORIDA · View details →
Sold Aug 2026
$380,000
4198 SW 112TH STREET, OCALA
3 / 2 bd/ba · 2,071 sq ft · $183/sq ft
Courtesy of ALDANA REALTY LLC · View details →
Sold Jul 2026
$300,000
4420 SW 100TH STREET, OCALA
3 / 2 bd/ba · 2,114 sq ft · $142/sq ft
Courtesy of MARTY & HUGGINS REALTY · View details →
Sold Jun 2026
$370,000
10400 SW 45TH COURT, OCALA
4 / 2 bd/ba · 2,155 sq ft · $172/sq ft
Courtesy of RE/MAX PREMIER REALTY · View details →
Sold Aug 2026
$439,900
4190 SW 110TH LANE, OCALA
4 / 2 bd/ba · 2,238 sq ft · $197/sq ft
Courtesy of WEICHERT REALTORS HALLMARK PROPERTIES · 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$1,808 – $2,629/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−$792 – −$53At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 3820 Sw 113Th Place, 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.
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.
Listed living area is 1,873 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 $4,141/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 15, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 3820 Sw 113Th Place and when was it built?
Per the listing record, 3820 Sw 113Th Place was built in 2026 and has 1,873 sq ft of living area, 4 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 3820 Sw 113Th Place in?
3820 Sw 113Th Place 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 3820 Sw 113Th Place 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 3820 Sw 113Th Place differ from the current owner's?
The estimate on this page (about $4,141 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 3820 Sw 113Th Place 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 3820 SW 113TH PLACE 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.
