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For sale
    • Price cut: $20.9K (9/30)
    $349,000

    3970 SW 51ST TERRACE, OCALA, FL 34474

    4beds
    2,510sqft
    : 
    $2,622/mo
    Get pre-qualified
    Single Family Residence
    Built in 2005
    8,052 Square Feet Lot
    $-- Zestimate®
    $139/sqft
    $136/mo HOA

    What's special

    Resort-style poolTennis courtsVersatile bonus roomSpacious homeSpacious kitchenThoughtfully designed layoutUpgraded countertops
    Looking for room to grow without sacrificing comfort, character, or convenience? This spacious home offers the flexibility to live, work, entertain, and unwind—all under one roof. With 4 bedrooms, 3.5 bathrooms, 2,510 square feet of living space, plus a versatile bonus room, the thoughtfully designed layout provides an impressive amount of space while maintaining a comfortable and welcoming feel. The flexible floor plan allows each room to take on the purpose that best fits your needs, both now and in the future. Step inside and discover a home that blends thoughtful updates with original-style accents that give it warmth and character. Upgraded countertops complement the spacious kitchen, while tile and hard-surface flooring throughout the main living areas with no carpet creates a clean, cohesive look. Generous living and gathering spaces provide an easy flow for both everyday living and entertaining. Comfort continues outdoors with a fully fenced backyard, creating a defined and private outdoor space ready to be enjoyed. Additional peace of mind comes from a newer roof (2022) and recently serviced A/C System (2026). Located in the desirable Saddle Creek community, residents can enjoy a variety of neighborhood amenities including a resort-style pool, clubhouse, fitness center, tennis courts, trails, sidewalks, and streetlights. The location also keeps everyday conveniences close by, with easy access to shopping, dining, medical facilities, schools, entertainment, and major roadways. From its generous layout and flexible living spaces to its distinctive character, thoughtful updates, fenced backyard, and convenient community setting, this home offers the opportunity to settle in comfortably today while still having the space to grow for whatever comes next. Don’t miss the opportunity to make this move-in-ready home your own—schedule your private showing today! *SELLER CONCESSION AVAILABLE WITH ACCEPTABLE OFFER*
    83 days
    465
    23

    Zillow last checked:

    Listing updated:

    Listed by:

    Rudolph Hernandez, Jr 352-505-1344,

    ROBB HARRISON REALTY INC 352-877-2790

    Source: Stellar MLS,MLS#: OM728078MLS LogoOriginating MLS: Ocala - Marion

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 4
      • Full bathrooms: 3
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bonus Room
      Primary bedroom
      • Features: Walk-In Closet(s)
      • Level: Second
      Bedroom 2
      • Features: Built-in Closet
      • Level: Second
      Bedroom 3
      • Features: Built-in Closet
      • Level: First
      Bedroom 4
      • Features: Built-in Closet
      • Level: First
      Bathroom 1
      • Level: Second
      Bathroom 1
      • Features: Built-in Closet
      • Level: Second
      Bathroom 2
      • Level: Second
      Bathroom 3
      • Level: Second
      Bathroom 4
      • Level: First
      Bonus room
      • Features: Built-in Closet
      • Level: First
      Dining room
      • Level: First
      Family room
      • Level: First
      Kitchen
      • Level: First
      Heating
      • Central
      Cooling
      • Central Air
      Appliances
      • Included: Dryer, Microwave, Range, Refrigerator, Washer
      • Laundry: Laundry Room, Upper Level
      Features
      • Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, In Wall Pest System, Kitchen/Family Room Combo, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Walk-In Closet(s)
      • Flooring: Engineered Hardwood, Tile
      • Doors: Sliding Doors
      • Has fireplace: No
      Interior area
      • Total structure area: 3,282
      • Total interior livable area: 2,510 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      Features
      • Levels: Two
      • Stories: 2
      • Exterior features: Sidewalk
      • Fencing: Fenced
      Lot
      • Size: 8,052 Square Feet
      Details
      • Parcel number: 2386100145
      • Zoning: PUD
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Concrete, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2005

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Street Lights, Water Connected

      Community & HOA

      Community
      • Features: Clubhouse, Fitness Center, Pool
      • Pet fee: $0 monthly
      • Subdivision: SADDLE CREEK PH 01
      HOA
      • Has HOA: Yes
      • Amenities included: Clubhouse, Fitness Center, Pool, Tennis Court(s), Trail(s)
      • HOA fee: $136 monthly
      • HOA name: Chrissann Orlando-Lowder
      • HOA phone: 352-237-3446
      • Second HOA name: Fore Ranch
      Location
      • Region: Ocala

      Financial & listing details

      • Price per square foot: $139/sqft
      • Tax assessed value: $323,339
      • Annual tax amount: $3,580
      • Date on market: 7/13/2026
      • Cumulative days on market: 84 days
      • Listing terms: Cash,Conventional,FHA,USDA Loan,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Asphalt

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        9/30/2026Price change$349,000-5.7%$139/sqft
        Source: Stellar MLS #OM728078 Report a problem
        8/26/2026Price change$369,900-1.3%$147/sqft
        Source: Stellar MLS #OM728078 Report a problem
        7/13/2026Listed for sale$374,900+0.5%$149/sqft
        Source: Stellar MLS #OM728078 Report a problem
        8/6/2025Listing removed$373,000$149/sqft
        Source: Stellar MLS #OM699727 Report a problem
        6/19/2025Price change$373,000-1.8%$149/sqft
        Source: Stellar MLS #OM699727 Report a problem
        5/6/2025Price change$379,900-1.3%$151/sqft
        Source: Stellar MLS #OM699727 Report a problem
        4/18/2025Listed for sale$385,000+6.9%$153/sqft
        Source: Stellar MLS #OM699727 Report a problem
        3/31/2022Sold$360,000+132.4%$143/sqft
        Source: Public Record Report a problem
        7/15/2015Listing removed$154,900$62/sqft
        Source: RE/MAX Premier Realty #340354 Report a problem
        7/12/2015Listed for sale$154,900+3.3%$62/sqft
        Source: RE/MAX Premier Realty #340354 Report a problem
        6/4/2010Sold$150,000-3.2%$60/sqft
        Source: Stellar MLS #OM340354 Report a problem
        4/26/2010Price change$154,900-40.5%$62/sqft
        Source: foreclosure.com Report a problem
        4/24/2010Listed for sale--
        Source: foreclosure.com Report a problem
        1/13/2006Sold$260,400$104/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,579 +1.5%$223,627 +2.9%
        2024$3,526 +2.5%$217,325 +3%
        2023$3,440 -32.4%$210,995 -23%
        2022$5,088 +103.2%$274,139 +67.1%
        2021$2,503 +12.6%$164,064 +1.4%
        2020$2,224 +2%$161,799 +2.3%
        2019$2,181 $158,161 +1.9%
        2018$2,181 +5%$155,212 +2.1%
        2017$2,077 -6.3%$152,020 +2.1%
        2016$2,218 $148,893 -4.4%
        2015$2,218 +9%$155,780 +0.8%
        2014$2,036 -9.7%$154,544 -6.8%
        2013$2,254 +0.7%$165,881 +1.7%
        2012$2,239 -28.4%$163,108 -6.6%
        2011$3,129 -3.9%$174,590 -5.6%
        2010$3,256 -6.4%$184,979 -9.8%
        2009$3,480 -11.3%$205,160 -13.5%
        2008$3,923 +34.5%$237,275 +16%
        2007$2,916 -11.1%$204,540 +2.5%
        2006$3,282 $199,552
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        See how much you could borrow to make a competitive offer.
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        Climate risks

        Neighborhood: 34474

        Getting around

        1 / 100
        Car-Dependent
        0 / 100
        No Nearby Transit
        25 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating
        Schools provided by the listing agent
        • Elementary: Saddlewood Elementary School
        • Middle: Liberty Middle School
        • High: West Port High School

        Source: Stellar MLS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.

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