4190 SW 103RD STREET ROAD, Ocala, FL, 34476 | $595,000

Welcome to elegant Florida living in this beautifully crafted home located in the desirable Ocala Waterway Estates. From the moment you arrive, you’ll be captivated by the home’s grand presence, manicured landscaping, and timeless curb appeal. Spacious Living space with Approximately 3, 366 sq ft of comfortable living area featuring 4 bedrooms and 4 full bathrooms — plenty of room for family, guests, or a home office.
Step through the stately double doors into an open, light-filled floor plan designed for both comfort and sophistication. Windows in the living area not bedrooms have plantation shutters. The spacious great room features, Gas fireplace, soaring ceilings, and expansive views of the private screened in pool and hot tub in the backyard, perfect for entertaining or quiet evenings at home. The chef’s kitchen impresses with custom cabinetry, stainless steel appliances, and a large breakfast bar that flows seamlessly from the breakfast nook to the family room.
The luxurious primary suite with a tray ceiling and propane gas fireplace offers a private retreat with a spa-inspired bath—complete with dual vanities, a jetted tub, a separate walk-in shower, and a generous walk-in closet. Three additional bedrooms and three more full baths provide ample space for family or guests. With 2 A/C units you control the tempature on each side of the home abd roof is only 3 years old.
This home has plenty of storage inside the home and outside. There is a shed and a lean-to for your lawn equipment and a 14 X 21 workshop with air and power. Right next to the workshop there is a 45 x 12 RV pad that is 8 inches thick with two s 50 amp. circuits and 3 car garages.
Conveniently located near top-rated schools, shopping, dining, I-75, and the Florida Greenway, this home combines tranquility with accessibility—making it the perfect blend of luxury, location, and lifestyle with no HOA.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 4 full
  • Lot Size: 100 x 200
  • Laundry: Laundry Room
  • Style: Ranch
  • Year Built: 2006
  • Garage: 3-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,366
  • Acreage: 0.46
  • Lot Size: 100 x 200
  • Est. Taxes: $4,227
  • Lot Desc: Cleared
  • Elem. School: Hammett Bowen Jr. Elementary
  • Middle School: Liberty Middle School
  • High School: West Port High School
  • Pool: Heated, In Ground, Screen Enclosure
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: OM712272
  • Days on Market: 38 days
  • Website: https://www.raveis.com
    /prop/OM712272/4190sw103rdstreetroad_ocala_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). 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. (last updated 2/19/2026 9:32:10 AM)
Listing courtesy of BUCKNER HOMES REALTY INC   Phone: 352-266-2637

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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4190 SW 103RD STREET ROAD, Ocala, FL, 34476

$595,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $476,000 $476,000 $476,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.132% 5.522%
Monthly Tax Payment $352 $352 $352
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,665 $2,851 $3,826
Total Monthly Payment $3,109 $3,295 $4,270

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.