Single Family Residence in OCALA WATERWAY ESTATE · No CDD on record · Built 2026
OCALA WATERWAY ESTATE · Ocala, FL 34476 · Marion County
Listing data updated October 3, 2026 · refreshed hourly
4Bedrooms
2Bathrooms
2,330Sq Ft
2026Year Built
$176Per Sq Ft
3-car garageNew constructionNo CDD on record4 bedrooms
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.
in line with
$/sq ft vs community
$176 here vs $175 median sold (12 mo)
Buyer leverage
Buyer advantage
70 days on market
4.0 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 3, 2026, 4404 Sw 110Th Street in Ocala Waterway Estate, Ocala is listed at $409,550 (2,330 sq ft, about $176 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). It has been 70 days on market, longer than the community's typical 25 days to contract. 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
2,330 sq ft of living area
3-car garage
Listed at $409,550 — recent neighborhood median sale price ~$359,950 (nearby sales; deemed reliable, not an appraisal)
70 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Under Construction. Brand new CONCRETE BLOCK HOME under construction! Estimated completion is approx Oct/Nov pending any set backs beyond the builders control.
This 4 bedroom/ 2 bath home is located in popular Ocala Waterway Estates with large lots! Just a short drive to the new Publix! Very close to the Florida Greenway!
3 car garage! Tray ceiling in the owners suite with access to covered lanai. Living room has double doors to allow for many uses of this space.
(Den, study or 5th bedroom) Great floor plan for entertaining. Bath 2 has access to lanai. Many features include upgraded cabinets, granite counter tops, stainless appliance pkg (range microwave and dishwasher included), tile shower with separate soaking tub in owners bath, mini blind inserts in rear exterior doors, TILE ALL AREAS EXCEPT BEDROOMS (bedrooms and closets will have carpet), irrigation system and much more!
Builder warranty! Builder helps with closing costs if Buyer pays cash or closes with a Seller approved lender. Prices /Promotions are subject to change without notice.
Pictures are of a similar home for illustrative purposes only. Colors and features will vary!
All 6 photos
Description provided by ADAMS HOMES REALTY INC and reproduced from the MLS; not independently verified.
Listing courtesy of ADAMS HOMES REALTY INC · Listing agent: Gina Junglas · 352-592-7513Provided 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$409,550
Bed / bath4 / 2
Living area2,330 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #OM728081
Listing status70 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~92 ft
CountyMarion
Area listings0 active · 0 under contract
Estimated first-year tax~$4,300/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$176
Estimated monthly payment$2,708
Insurance (illustrative)$1k–$2k/yr
Messtimate range$389,110 – $459,010
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
$2,708/mo
Principal & interest $2,242/mo83%
Taxes $358/mo13%
Insurance $108/mo4%
$2,708/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
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.)
~$4,300/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
~92 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 $176/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2026BuiltPer public record
About Jul 2026Listed (per MLS)MLS reports 70 cumulative days on market as of October 3, 2026
Aug 4, 2026First seen on movewithmomentum.comObserved at $409,550
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 $409,550Momentum Realty · on market 70 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.
Sold Sep 2026
$390,000
4516 SW 112TH LANE, OCALA
4 / 3 bd/ba · 2,332 sq ft · $167/sq ft
Courtesy of ESTELA REALTY LLC · View details →
Sold Sep 2026
$390,000
4516 SW 112TH LANE, OCALA
4 / 3 bd/ba · 2,332 sq ft · $167/sq ft
Courtesy of ESTELA REALTY LLC · 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
$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 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 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 →
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™
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.
$389,110the mess$459,010
Stronger local evidence — 6 comparable closed sales in OCALA WATERWAY ESTATE, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $409,550 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 18% 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: 70 days on market vs. a 25-day community median
18 active listings competing, 14 under contract
54 closed here in the last 12 months
For reference, this home is listed at $409,550 ($176/sq ft). The list price is the seller's asking price and is not derived from this range.
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: 2,330 sq ft × $167–$197/sq ft (interquartile band of 6 comparable closed sales in OCALA WATERWAY ESTATE, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
57/100
Strongest on: Market liquidity (80), Buyer competition (75)
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 area49
This home $176/sq ft vs the community 12-month median $175/sq ft.
Affordability27
List price $409,550 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
🟢 Buyer-leaning conditions around this listing. 4.0 months of supply in the surrounding market and 70 days on market for this home, against a 25-day area median.Days on market:this home 70Area 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 $176 per square foot, about in line with 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 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by ADAMS HOMES REALTY INC · MLS # OM728081
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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.
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.
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 4404 Sw 110Th Street, 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 2,330 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 $4,300/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, refreshed hourly (last: October 3, 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 4404 Sw 110Th Street and when was it built?
Per the listing record, 4404 Sw 110Th Street was built in 2026 and has 2,330 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 4404 Sw 110Th Street in?
4404 Sw 110Th Street 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 4404 Sw 110Th Street 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 4404 Sw 110Th Street differ from the current owner's?
The estimate on this page (about $4,300 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 4404 Sw 110Th Street 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 4404 SW 110TH STREET in person
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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.
