
4190 SW 103RD STREET ROAD, OCALA, FL, 34476
Active52 days on marketListed Jun 16, 2026MLS #OM726736
About this home
4190 SW 103RD STREET ROAD
Welcome to refined Florida living in this beautifully crafted custom home located in the desirable Ocala Waterway Estates. From the moment you arrive, you’ll notice the difference—this is not your typical cookie-cutter property. With timeless curb appeal, manicured landscaping, and a grand presence, this home offers character, space, and quality that new construction simply can’t replicate. Offering approximately 3,366 square feet of thoughtfully designed living space, this residence features 4 bedrooms and 4 full bathrooms, providing flexibility for a variety of living arrangements, guests, or multi-generational use. Step through the stately double-door entry into a light-filled, open floor plan with soaring ceilings and elegant finishes. The spacious great room is the heart of the home, complete with a gas fireplace and expansive views of the private screened-in pool and spa—perfect for entertaining or relaxing evenings. The chef’s kitchen is designed for both function and style, featuring custom cabinetry, stainless steel appliances, a large breakfast bar, and seamless flow into the breakfast nook and living area. The primary suite offers a true retreat with a tray ceiling, propane fireplace, and a spa-inspired bathroom featuring dual vanities, a jetted soaking tub, separate walk-in shower, and a generous walk-in closet. Three additional bedrooms and three full bathrooms provide ample space and privacy throughout the home. This property is packed with features rarely found in newer homes, including dual A/C units for zoned climate control, a newer roof (approximately 3 years old), extensive interior and exterior storage, a detached 14x21 workshop with power and air—ideal for hobbies, projects, or creative space, a 45x12 reinforced RV pad with dual 50-amp hookups, and a 3-car garage. The backyard extends beyond the existing fence line, offering additional usable space, along with underground drainage for added functionality. Conveniently located near schools, shopping, dining, I-75, and the Florida Greenway, this home offers both accessibility and privacy without the restrictions of an HOA. If you’ve been searching for a home with space, character, and true versatility, this is a rare opportunity to own something that stands apart from the rest.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,366
Sqft
0.46 ac
Lot size
3
Garage
2006
Year built
One
Levels
$175
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,914 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,914/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs OCALA WATERWAY ESTATE
$175 vs $173
Days on market
52 vs 50 typical
Where $175/sqft sits among the 17 homes for sale in OCALA WATERWAY ESTATE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ocala
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
4 of 17
OCALA WATERWAY ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 104% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 4190 SW 103RD STREET ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$480,000
4003 SW 102ND PLACE · same community
5 bd · 4 ba · 3,222 sqft · $149/sqft · 21 DOM
Sold · Jul ’26$662,990
3957 SW 113TH PLACE · same community
4 bd · 3 ba · 3,000 sqft · $221/sqft · 103 DOM
Sold · Jul ’26$515,000
3922 SW 115TH STREET · same community
4 bd · 3 ba · 2,666 sqft · $193/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4190 SW 103RD STREET ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4190 SW 103RD STREET ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
4190 SW 103RD STREET ROAD FAQs
What would the monthly payment be for 4190 SW 103RD STREET ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,914/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4190 SW 103RD STREET ROAD?+
The most recent tax bill on record (2024) was $4,227. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ocala?+
At $589,500, this home is listed about 97% above the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 4190 SW 103RD STREET ROAD?+
Liberty Middle School (middle), Marion Oaks Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LOT & BLOCK REALTY · Betti Silverman. MLS #OM726736.
IDX 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 accurate by Stellar MLS.
Never miss a listing
New Ocala homes, in your inbox
Like 4190 SW 103RD STREET ROAD but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jessica to ping you on any price or status change →


