3970 SE 39TH CIRCLE, OCALA, FL, 34480
Active55 days on marketListed May 27, 2026MLS #OM725467
About this home
3970 SE 39TH CIRCLE
Experience luxury living at its finest in this extraordinary estate located in one of the area’s most highly sought-after gated communities, perfectly positioned near premier shopping, top-rated hospitals, dining, and everyday conveniences. Situated on a private 1.08-acre homesite with no rear neighbors, this breathtaking 4-bedroom, 4-bath residence with a dedicated office offers over 4,053 square feet of impeccably upgraded living space designed for both grand entertaining and refined everyday living. From the moment you arrive, the elegant front fountain, lush landscaping, privacy fencing, and impressive curb appeal create an unforgettable first impression. Step through the doors into a stunning interior showcasing soaring 12’ to 16’ ceilings, magnificent travertine flooring, designer lighting, and expansive living spaces filled with natural light. Every inch of this home has been thoughtfully enhanced with luxurious finishes and modern upgrades. The gourmet kitchen is a true showpiece featuring beautifully updated cabinetry, gorgeous quartz countertops throughout, upgraded sinks, and premium appliances including a sleek induction cooktop and a high-end double drawer Café Series dishwasher. The kitchen flows effortlessly into the main living and entertaining areas, while a stylish wet bar further elevates the home’s entertainment appeal, creating the perfect setting for hosting guests in elegance and comfort. A private office space provides the ideal setting for working from home, managing a business, or creating a quiet retreat. The resort-style outdoor living space is nothing short of spectacular. Relax and entertain year-round in the oversized screened lanai complete with a fully equipped outdoor kitchen overlooking the stunning oversized pool. The pool area has been extensively upgraded with brand-new marcite/gunite, a new skimmer, gas pool heater, and solar heating system, delivering the ultimate private backyard oasis. Additional exterior enhancements include patio blinds, a newer Hunter irrigation system, and a concrete slab with double gate access ideal for boat parking or additional recreational storage. This exceptional home is loaded with premium upgrades including newer windows, updated air conditioning, a 2024 roof, solar panels, EV car charger, remote-controlled Magic attic stairs, redesigned custom closets throughout, and a spacious 3-car garage. For added peace of mind, the property also includes a whole-house Generac generator, providing comfort and reliability year-round. Every detail was carefully selected to blend luxury, sophistication, comfort, and energy efficiency. Offering privacy, elegance, and an incredible location within a prestigious gated community, this one-of-a-kind estate truly has it all. Homes with this level of quality, space, and upgrades rarely become available — schedule your private showing today before this remarkable property is gone!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
4,053
Sqft
1.08 ac
Lot size
3
Garage
2006
Year built
One
Levels
$247
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 and the real association fee — not generic estimates.
$6,809 /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
$6,809/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.
vs edgeAI estimate
−23.6%
$/sqft vs Ocala actives
$247 vs $180
Days on market
55 vs 43 typical
Where $247/sqft sits among the 400 Ocala actives
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
Get to know Ocala. See the full Ocala guide →
OCALA 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
156 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 254% above the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3970 SE 39TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$680,000
3950 SE 39TH CIRCLE · same community
4 bd · 3 ba · 3,371 sqft · $202/sqft · 73 DOM
Sold · Mar ’26$720,000
3940 SE 39TH CIRCLE · same community
4 bd · 4 ba · 3,352 sqft · $215/sqft · 167 DOM
Sold · Nov ’25$215,000
158 EDGEWOOD DRIVE · same community
2 bd · 2 ba · 1,480 sqft · $145/sqft · 12 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3970 SE 39TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3970 SE 39TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3970 SE 39TH CIRCLE FAQs
What would the monthly payment be for 3970 SE 39TH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,809/mo — principal and interest, the actual property-tax bill, the $125/mo association fee 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.
How much are the HOA fees at 3970 SE 39TH CIRCLE?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3970 SE 39TH CIRCLE?+
The most recent tax bill on record (2025) was $9,066. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3970 SE 39TH CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $999,500, this home is listed about 234% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3970 SE 39TH CIRCLE?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview 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 PROFESSIONAL REALTY OF OCALA · Steph Hopson. MLS #OM725467.
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.
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