133 days on marketSingle Family Residence▼ Price cut: $10,000 (9/29)
$355,000
5-Bedroom Home in RIDGE AT HEATH BROOK PHASE 1
5394 SW 40th Circle, Ocala, FL 34474
Single Family Residence in RIDGE AT HEATH BROOK PHASE 1, OCALA · No CDD · Built 2022
RIDGE AT HEATH BROOK PHASE 1 · Ocala, FL 34474 · Marion
Listing data updated September 30, 2026 · refreshed hourly
5Bedrooms
3Bathrooms
2,661Sq Ft
2022Year Built
$133Per Sq Ft
2-car garageNo CDDFEMA Zone X5 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.
in line with
$/sq ft vs community
$133 here vs $133 median sold (12 mo)
Buyer leverage
Balanced market
133 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~102 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 30, 2026, 5394 Sw 40Th Circle in Ridge At Heath Brook Phase 1, Ocala is listed at $355,000 (2,661 sq ft, about $133 per sq ft). It has been 133 days on market. Listing facts: built in 2022, HOA dues of $114/mo. 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
Built 2022 · 4 yrs
2,661 sq ft of living area
2-car garage
133 days on market
HOA $114/mo (per listing)
Property timeline
This home’s history
2022BuiltPer public record
Jul 10, 2026First trackedObserved at $365,000 · 133 days on market
Sep 29, 2026Price cut$355,000 (-$10,000, -2.7%)
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
$2,423/mo
Principal & interest $1,895/mo78%
Taxes $311/mo13%
Insurance $103/mo4%
HOA $114/mo5%
$2,423/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated from today’s asking price and current Marion County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,150/yr ($262/mo)
+$525 more each year
(+17%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
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.
Momentum Scores
Momentum Property Score
57/100
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 area50
This home $133/sq ft vs the community 12-month median $133/sq ft.
Affordability50
List price $355,000 vs the community median $355,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~102 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Renovation upside10
From a 2022 build and $133/sq ft vs the community median $133/sq ft. Not a condition assessment.
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. 6.0 months of supply in the surrounding market and 133 days on market for this home, against a 133-day area median.Days on market:this home 133Area median: 133 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 2023 through 2024. As of August 2, 2026.
🟡 Asking $133 per square foot, about in line with the community’s $133 median. RIDGE AT HEATH BROOK’s 12-month median sold price per square foot is $133. 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 September 30, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
BEAUTIFUL HOME + FANTASTIC LOCATION = THIS IS A CAN’T MISS! This 5/3 home within Ridge at Heath Brook is the epitome of a must see. Built in 2022 by DR Horton.
It is a Hayden-R Model. Space everywhere and floor plan thought out with exquisite detail. The bottom floor is anchored by a beautiful/very large kitchen island.
A true hub of the home that is perfect for quality time with loved ones. The central component of upstairs is a sizeable living space that provides flexibility and fluidity for all stages of life. Too many other exciting details to list.
It is a great home. Make sure you see it soon!
All 6 photos
Description provided by ROBERTS REAL ESTATE INC 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$355,000
Bed / bath5 / 3
Living area2,661 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
MLS #OM724921
Listing status133 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~102 ft
Windstorm exposureLow
CountyMarion
Estimated first-year tax~$3,728/yr
CDD assessmentNone on record
HOA (per listing)$114/mo
Calculated estimates
Price per sq ft$133
Estimated monthly payment$2,423
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$355,000
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 ROBERTS REAL ESTATE INC · Listing agent: John Roberts · 352-351-0011Provided 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.
$311,337the mess$396,489
Actual list price: $355,000 — 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 & 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 — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $114/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:
1 active listing competing
2 closed here in the last 12 months
For reference, this home is listed at $355,000 ($133/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: 2,661 sq ft × $117–$149/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 30, 2026.
Keep looking
Similar homes for sale near RIDGE AT HEATH BROOK PHASE 1
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.
75 Locust Drive, OCALA · $239,900 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of OCALA HOMES AND FARMS)
28 Dogwood Drive Lane, OCALA · $269,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of ODRY VARGAS REALTY GROUP)
12051 NW 7th Place, OCALA · $290,000 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of ENGEL & VOLKERS OCALA)
296 Oak Lane Track, OCALA · $239,900 · 3 bd / 2.0 ba · listed September 30, 2026 (courtesy of GAILEY ENTERPRISES REAL ESTATE)
4443 SW 152nd Street, OCALA · $324,900 · 4 bd / 3.0 ba · listed September 30, 2026 (courtesy of WRA BUSINESS & REAL ESTATE)
6138 SW 144th Place, OCALA · $399,900 · 4 bd / 3.0 ba · listed September 30, 2026 (courtesy of WRA BUSINESS & REAL ESTATE)
Transparency
Price & listing history
Listed for $355,000Momentum Realty · on market 133 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.)
~$3,728/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$114/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
~102 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?
Want to see 5394 SW 40TH CIRCLE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by ROBERTS REAL ESTATE INC · MLS # OM724921
Request a showing
Market data · public records
Recent sales activity in RIDGE AT HEATH BROOK PHASE 1
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 RIDGE AT HEATH BROOK PHASE 1 neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$355,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$133
Canonical 12-month median $/sq ft. Reference only.
Go deeper on RIDGE AT HEATH BROOK PHASE 1
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 2 miles northwest of Ridge At Heath Brook.
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 less than a mile northwest of Ridge At Heath Brook.
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 5 miles northwest of Ridge At Heath Brook.
Raising Canes to open on Southwest College Road in Ocala
A Raising Canes restaurant is planned at 2410 Southwest College Road in the Ocala West shopping plaza along the State Road 200 corridor, adding a dining option in a busy retail area.
Why it matters: A new restaurant along the State Road 200 corridor adds to the dining and retail mix that shapes daily convenience for nearby Ocala communities. The site is about 2 miles north of Ridge At Heath Brook.
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.
GRADEB
Liberty Middle SchoolAssigned middle school · Marion County School District · Grade B (Florida DOE 2025-26)
GRADEB
West Port High SchoolAssigned high school · Marion County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
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$1,627 – $2,367/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$840 – −$174At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 5394 Sw 40Th Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $114/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 2,661 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 $3,728/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed hourly (last: September 30, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 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 5394 Sw 40Th Circle and when was it built?
Per the listing record, 5394 Sw 40Th Circle was built in 2022 and has 2,661 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5394 Sw 40Th Circle in?
5394 Sw 40Th Circle is in Ridge At Heath Brook Phase 1 in Ocala, Marion County. The community section on this page shows recent closed sales, days on market, and active inventory for Ridge At Heath Brook Phase 1 from the same MLS data.
Does 5394 Sw 40Th Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $114 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 5394 Sw 40Th Circle differ from the current owner's?
The estimate on this page (about $3,728 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 5394 Sw 40Th Circle 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 5394 SW 40TH CIRCLE 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.
