3492 NE 38TH LANE, OCALA, FL, 34479
Active5 days on marketListed Jul 20, 2026MLS #OM728773
About this home
3492 NE 38TH LANE
Welcome to this exceptional 4-bedroom, 3-full-bath home designed with comfort, style, and functionality in mind. The open, bright floor plan seamlessly connects the gourmet kitchen, café, and spacious family room, creating the perfect setting for entertaining or everyday living. The chef-inspired kitchen is a true centerpiece, featuring a large breakfast bar, abundant cabinetry, quartz countertops, and a generous walk-in pantry. The private owner's suite offers a relaxing retreat with two walk-in closets and a luxurious en-suite bath complete with a large tiled shower, dual vanities, a linen closet, and a separate water closet. Bedroom 2 features its own en-suite bath, making it ideal for guests or multigenerational living. A dedicated study provides a quiet space for working from home, reading, or enjoying hobbies. Step outside to the covered lanai, perfect for relaxing or entertaining while enjoying the outdoors. Located in a brand-new master-planned community, residents will enjoy amenities including a resort-style pool and covered pavilion. Conveniently situated in a rapidly growing area, this beautiful home offers easy access to medical facilities, shopping, dining, and everyday conveniences.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,039
Sqft
0.18 ac
Lot size
2
Garage
2023
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 MILLWOOD ESTATES
$1 vs $170
Days on market
5 vs 43 typical
Where $1/sqft sits among the 6 homes for sale in MILLWOOD ESTATES
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 34479 — neighborhood snapshot
Population
13,265
Median age
41.2
Median income
$54,805
Median home value
$190,400
Avg household
2.44
Households w/ children
1,553
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)
4 of 6
MILLWOOD ESTATES have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OCALA 34479 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 3492 NE 38TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$300,000
3278 NE 38TH LANE · same community
4 bd · 3 ba · 2,170 sqft · $138/sqft · 147 DOM
Sold · May ’26$277,000
3236 NE 38TH LANE · same community
4 bd · 2.5 ba · 1,879 sqft · $147/sqft · 70 DOM
Sold · Apr ’26$288,990
3741 NE 30TH TERRACE · same community
4 bd · 2.5 ba · 1,879 sqft · $154/sqft · 8 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 3492 NE 38TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3492 NE 38TH LANE — 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
3492 NE 38TH LANE FAQs
What would the monthly payment be for 3492 NE 38TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 3492 NE 38TH LANE?+
The listing reports pets: No. 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 $2,500, this home is listed about 99% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3492 NE 38TH LANE?+
Anthony Elementary School (elementary), North Marion High School (high), North Marion Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ASSET CAPITAL REALTY, LLC · Thomas Haitsch. MLS #OM728773.
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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