48 days on marketSingle Family Residence▼ Price cut: $13,000 (9/10)
$244,990
3-Bedroom Home in SILVER SPRINGS SHORES UNIT 13
4 SPRUCE WAY, OCALA, FL 34472
Single Family Residence in SILVER SPRINGS SHORES UNIT 13, OCALA · No CDD · Built 2026
SILVER SPRINGS SHORES UNIT 13 · OCALA, FL 34472 · Marion
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,263Sq Ft
2026Year Built
$194Per Sq Ft
2-car garageNew constructionNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$194 here vs $178 median sold (12 mo)
Buyer leverage
Balanced market
48 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; ~129 ft elevation
$500–$1k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 4 Spruce Way in Silver Springs Shores Unit 13, Ocala is listed at $244,990 (1,263 sq ft, about $194 per sq ft). That sits within a few percent of Silver Springs Shores Unit 13's median closed sale of $246,900 over the last 12 months (167 recorded sales). It has been 48 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
1,263 sq ft of living area
2-car garage
48 days on market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Silver Springs Shores
Pricing & the Silver Springs Shores market
How this home is priced against recent nearby sales, and where Silver Springs Shores has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Silver Springs Shores
Each dot is a closed sale since 2004 (730 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, 2013–2026. This home lists at $194/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 21 (cold).
Property timeline
This home’s history
2026BuiltPer public record
Aug 4, 2026First trackedObserved at $257,990
Sep 10, 2026Price cut$244,990
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
$1,601/mo
Principal & interest $1,273/mo79%
Taxes $214/mo13%
Insurance $64/mo4%
HOA $50/mo3%
$1,601/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
57/100 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 area28
This home $194/sq ft vs the community 12-month median $178/sq ft.
Affordability51
List price $244,990 vs the community median $246,900. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~129 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity61
Community median 49 days on market (12-month record).
Renovation upside10
From a 2026 build and $194/sq ft vs the community median $178/sq ft. Not a condition assessment.
Pricing power52
Recent sales closed at about 97.6% of original asking (~2.4% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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 48 days on market for this home, against a 49-day area median.Days on market:this home 48Area median: 49 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 2004 through 2026. As of September 3, 2026.
🟡 Asking $194 per square foot, about 9% above the community’s $178 median. Silver Springs Shores’s 12-month median sold price per square foot is $178. Median sold price per square foot is down 1.2% year over year. Confidence: Very High · 167 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 Silver Springs Shores sales closed near 97.6% of original asking.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 September 3, 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. Discover Your Dream Home in the Silver Springs Shores Community! The Alton Plan offers a contemporary living experience with its design and desirable features.
The standout kitchen is a culinary masterpiece, featuring cabinetry, quartz countertops, and stainless steel appliances, including a smooth-top range, over-the-range microwave, and dishwasher. This culinary space opens seamlessly into a welcoming dining area and spacious living room, perfect for hosting gatherings or relaxation. Convenience abounds with all bedrooms and a sizable laundry room on the main floor.
The serene owner’s suite is a retreat with a private bath and a generous walk-in closet. Additional highlights include a 2-car garage for ample storage and parking. Enhanced with energy-efficient Low E insulated dual-pane vinyl windows and a 1-year limited home warranty, this home combines style and functionality.
Ask sales counselor about new enhanced kitchen cabinet features and updated farmhouse style trim package!
Description provided by WJH BROKERAGE FL 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$244,990
Bed / bath3 / 2
Living area1,263 sq ft
Year built2026
Property typeSingle Family Residence
Garage2-car
MLS #C7528764
Listing status48 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~129 ft
Windstorm exposureLow
CountyMarion
Area listings0 active · 0 under contract
Estimated first-year tax~$2,572/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$194
Estimated monthly payment$1,601
Insurance (illustrative)$500–$1k/yr
Comparable-sales median$246,900
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 WJH BROKERAGE FL LLC · Listing agent: Fikr Meshesha · 321-238-8595Provided 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.
$198,291the mess$251,337
Actual list price: $244,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
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: 48 days on market vs. a 49-day community median
97 active listings competing, 21 under contract
266 closed here in the last 12 months
For reference, this home is listed at $244,990 ($194/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: 1,263 sq ft × $157–$199/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 SILVER SPRINGS SHORES UNIT 13
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 $244,990Momentum Realty · on market 48 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.)
~$2,572/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)
$500–$1k/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
~129 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.
Seen enough photos?
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Listed by WJH BROKERAGE FL LLC · MLS # C7528764
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Market data · public records
Recent sales activity in SILVER SPRINGS SHORES UNIT 13
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 SILVER SPRINGS SHORES UNIT 13 neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$246,900
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$178
Canonical 12-month median $/sq ft. Reference only.
Go deeper on SILVER SPRINGS SHORES UNIT 13
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.
Jul 2026 · Development
Marion County approves final master plan for 442-home Sandy Clay subdivision
Marion County commissioners approved the final Planned Unit Development master plan for Sandy Clay Residential, 442 detached single-family homes on a roughly 120-acre tract at SE 92nd Loop and SE 110th Street Road. The site sits inside the Urban Growth Boundary and the Primary Springs Protection Overlay, and the developer must build turn lanes at the entrances before vertical construction begins.
Why it matters: Final master-plan approval advances a large single-family subdivision in southeast Marion County and adds new road turn-lane infrastructure at the site entrances. The project is about 7 miles south of Silver Spgs Shores Un 17, elsewhere in Marion County.
Marion County Public Schools board hears five-year consolidation plan
Marion County Public Schools presented a five-year plan to replace 11 aging facilities and close four schools, including new construction of South Marion High School and a replacement Lake Weir Middle School. The plan would eliminate 86 portable classrooms and reassign attendance zones such as Wyomina Park to Oakcrest, with a board vote scheduled for August 11, 2026.
Why it matters: The consolidation plan would rebuild aging school facilities, add permanent classroom capacity in place of portables, and adjust attendance-zone boundaries across Marion County. The site is about 10 miles northwest of Silver Spgs Shores Un 17.
City of Ocala advances school expansion rezoning on SW 20th Street
The Ocala City Council approved on first reading the rezoning of about three acres in the 2800 block of SW 20th Street from multi-family residential to institutional to allow a preschool expansion. Final adoption is scheduled for August 4, 2026, with a traffic impact analysis required at site-plan review because SW 20th Street operates above its adopted level of service.
Why it matters: The rezoning would convert residential-zoned land to institutional use for a school expansion and flags a traffic study on SW 20th Street, which is operating above its adopted level of service. The project is about 10 miles northwest of Silver Spgs Shores Un 17, elsewhere in Marion County.
Site plans detail new Target coming to southwest Ocala
Site plans filed with the Marion County Development Review Committee detail a 128,880-square-foot Target on about 14 acres at State Road 200 and SW 80th Avenue in southwest Ocala, developed by Cornerstone Ocala Properties, LLC. The plan includes 432 parking spaces plus online pick-up spaces and golf cart parking, with access from SW 80th Avenue, SW 90th Street, and SW 93rd Street.
Why it matters: A large-format retail store plan adds shopping capacity to the State Road 200 commercial corridor in southwest Ocala. The project is about 15 miles west of Silver Spgs Shores Un 17, elsewhere in Marion County.
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
Greenway and Emerald Shores Elementary (verify)By address · Marion County School District
Lake Weir Middle and Lake Weir High (verify)By address · Marion County School District
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.
No closely comparable recent sales were found in this data set.
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$1,123 – $1,633/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$511 – −$52At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 4 Spruce Way, 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 1,263 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 $2,572/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 September 3, 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 4 Spruce Way and when was it built?
Per the listing record, 4 Spruce Way was built in 2026 and has 1,263 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 4 Spruce Way in?
4 Spruce Way is in Silver Springs Shores Unit 13 in Ocala, Marion County. The community section on this page shows recent closed sales, days on market, and active inventory for Silver Springs Shores Unit 13 from the same MLS data.
Does 4 Spruce Way 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 4 Spruce Way differ from the current owner's?
The estimate on this page (about $2,572 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 4 Spruce Way 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 4 SPRUCE WAY 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.
