22 days on market (MLS)Single Family Residence▼ Price cut: $10,000 (9/30)
$459,000
2-Bedroom Home in OCALA PRESERVE PH 12
4528 NW 54th Terrace, Ocala, FL 34482
Single Family Residence in OCALA PRESERVE PH 12 · No CDD on record · Built 2024
OCALA PRESERVE PH 12 · Ocala, FL 34482 · Marion County
Listing data updated October 1, 2026 · refreshed hourly
2Bedrooms
2.5Bathrooms
2,056Sq Ft
2024Year Built
$223Per Sq Ft
2-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.
31% above
$/sq ft vs community
$223 here vs $170 median sold (12 mo)
Buyer leverage
Buyer advantage
22 days on market
60.0 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 1, 2026, 4528 Nw 54Th Terrace in Ocala Preserve Ph 12, Ocala is listed at $459,000 (2,056 sq ft, about $223 per sq ft). It has been 22 days on market. Listing facts: built in 2024, HOA dues of $528/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
2,056 sq ft of living area
2-car garage
Listed at $459,000 — recent neighborhood median sale price ~$342,710 (nearby sales; deemed reliable, not an appraisal)
22 days on market
HOA $528/mo (per listing)
Listing description
About this home
Built in 2024 and beautifully appointed throughout, this 2-bedroom, 2.5-bath home with a dedicated office offers refined living in the sought-after Ocala Preserve community. Gorgeous wood-look tile flooring runs seamlessly through the home, providing durability, low maintenance, and an elevated aesthetic. The open floor plan creates an inviting environment for entertaining, with natural flow between the main living spaces.
Thoughtful landscaping and wrought-iron fencing frame a private backyard oasis overlooking peaceful green space—an ideal setting for morning coffee or relaxing afternoons. Enjoy maintenance-free living in this 55+ community, where an exceptional suite of amenities enhances everyday life, including resort-style recreation, fitness, golf, dining, and miles of nature trails. Located just minutes from Ocala’s premier shopping, dining, medical, and cultural destinations, this home offers a lifestyle that blends comfort, convenience, and the vibrant Ocala Preserve experience.
Description provided by RE/MAX CHAMPIONS and reproduced from the MLS; not independently verified.
Listing courtesy of RE/MAX CHAMPIONS · Listing agent: Robert Schroeder · 727-807-7887Provided 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$459,000
Bed / bath2 / 2.5
Living area2,056 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #W7889277
Listing status22 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyMarion
Estimated first-year tax~$4,950/yr
CDD assessmentNone on record
HOA$528/mo
Calculated estimates
Price per sq ft$223
Estimated monthly payment$3,518
Insurance (illustrative)$1k–$2k/yr
Messtimate range$335,128 – $359,800
Comparable-sales median$342,710
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
$3,518/mo
Principal & interest $2,450/mo70%
Taxes $412/mo12%
Insurance $127/mo4%
HOA $528/mo15%
$3,518/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Marion County rate (12.08 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $4,850/yr ($404/mo) — taxable value $402,409 × 12.08 mills
About the same each year
(+2%)
The estimate for a new owner and the current owner’s estimated bill are within a few percent of each other. Exemptions, portability and any change in millage will move the actual bill.
$402,409
Market value
$402,409
Assessed
$402,409
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Marion County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
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.
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
$528/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
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 Preserve
Pricing & the Ocala Preserve market
How this home is priced against recent nearby sales, and where Ocala Preserve 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.
Property timeline
This home’s history
2024BuiltPer public record
About Sep 2026Listed (per MLS)MLS reports 22 cumulative days on market as of October 1, 2026
Sep 8, 2026First seen on movewithmomentum.comObserved at $469,000
Sep 30, 2026Price cut$459,000 (-$10,000, -2.1%)
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 $459,000Momentum Realty · on market 22 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 within about 3 miles 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
$359,990
4516 NW 54TH TERRACE, OCALA
2 / 2.5 bd/ba · 2,060 sq ft · $175/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Sep 2026
$359,990
4516 NW 54TH TERRACE, OCALA
2 / 2.5 bd/ba · 2,060 sq ft · $175/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Jul 2026
$329,000
1686 NW 44TH COURT ROAD, OCALA
3 / 2.5 bd/ba · 1,966 sq ft · $167/sq ft
Courtesy of SHOWCASE PROPERTIES OF CENTRAL · View details →
Sold Sep 2026
$309,900
5290 NW 53RD STREET, OCALA
3 / 2 bd/ba · 1,936 sq ft · $160/sq ft
Courtesy of WORLDCORP REALTY · View details →
Sold Sep 2026
$356,420
4465 NW 37TH STREET ROAD, OCALA
3 / 3 bd/ba · 2,182 sq ft · $163/sq ft
Courtesy of ESTELA REALTY LLC · View details →
Sold Sep 2026
$318,885
4547 NW 39TH STREET ROAD, OCALA
3 / 2 bd/ba · 1,844 sq ft · $173/sq ft
Courtesy of DR HORTON REALTY OF WEST CENTRAL FLORIDA · View details →
Median of these 6 sales: $342,710 ($170/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.
$335,128the mess$359,800
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $459,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
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 — this home carries HOA dues of $528/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
60 active listings competing, 16 under contract
12 closed here in the last 12 months
For reference, this home is listed at $459,000 ($223/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: 2,056 sq ft × $163–$175/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 1, 2026.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 60.0 months of supply in the surrounding market and 22 days on market for this home, against a 58-day area median.Days on market:this home 22Area median: 58 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. As of August 23, 2026.
🟡 Asking $223 per square foot, about 31% above the community’s $170 median. Ocala Preserve’s 12-month median sold price per square foot is $170. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Updated October 1, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by RE/MAX CHAMPIONS · MLS # W7889277
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Keep looking
Similar homes for sale near OCALA PRESERVE PH 12
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 project is about 11 miles south of Ocala Preserve, elsewhere in Marion County.
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 8 miles southwest of Ocala Preserve.
The Shoppes Off 80th outdoor retail center planned near World Equestrian Center in Ocala
The Shoppes Off 80th, an outdoor shopping center at 1750 Northwest 80th Avenue near the World Equestrian Center in Ocala, is slated to open in 2026, adding retail on the northwest side of the city.
Why it matters: A new retail center adds shopping and dining options on the northwest side of Ocala, part of the mix that shapes daily convenience for nearby communities. The project is about 8 miles southwest of Ocala Preserve, elsewhere in Marion County.
AC Hotel with more than 150 rooms planned in downtown Ocala
An AC Hotel with more than 150 rooms is planned at 210 West Silver Springs Boulevard in downtown Ocala, expected to open in late 2026 and adding lodging to the downtown core.
Why it matters: A new downtown hotel adds activity and investment to the Ocala core, part of the growth that can shape demand for nearby communities. The project is about 9 miles south of Ocala Preserve, elsewhere in Marion County.
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.
School zoningThis address is in the Marion County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 4528 Nw 54Th Terrace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $528/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 2,056 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 $4,950/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 1, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of August 23, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; 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 4528 Nw 54Th Terrace and when was it built?
Per the listing record, 4528 Nw 54Th Terrace was built in 2024 and has 2,056 sq ft of living area, 2 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4528 Nw 54Th Terrace in?
4528 Nw 54Th Terrace is in Ocala Preserve Ph 12 in Ocala, Marion County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 4528 Nw 54Th Terrace have an HOA, and how much are the dues?
The listing reports HOA dues of $528 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4528 Nw 54Th Terrace differ from the current owner's?
The estimate on this page (about $4,950 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are approximately equal to the current owner’s estimated bill. 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 4528 Nw 54Th Terrace 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.
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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.
