10151 SW 41ST TERRACE, Ocala, FL, 34476 | $349,900

If you've been waiting for an affordable home that offers space, freedom, and no HOA restrictions — this is your moment. Opportunities like this are limited, especially in Ocala Waterway Estates.
This 3-bedroom, 2-bath home sits on an oversized . 46-acre cul-de-sac lot and may qualify for possible down payment assistance, USDA financing, and a lender-paid 1-year interest rate buydown For a Limited time only — making homeownership more attainable than ever. Even better — roof was installed in March 2024, giving you peace of mind from day one.
The fully fenced yard with vinyl privacy fencing offers the freedom to truly enjoy your property — perfect for pets, outdoor projects, entertaining, or simply relaxing without HOA rules.
Inside, you'll love the flexibility of multiple living spaces, including a formal living room, comfortable family room, and a bonus room ideal for a home office, game room, or potential fourth bedroom. The kitchen opens into a spacious, air-conditioned living area that naturally becomes the heart of the home.
Two bedrooms feature private access to a screened porch — a fantastic setup for guests, roommates, or multi-generational living. Plus, with two screened porches, you can enjoy Florida mornings and evenings year-round.
Need extra space? A screened block building with plumbing and electricity creates endless possibilities — workshop, studio, guest space, or even a home-based business. Front and rear irrigation systems help keep the yard green and low-maintenance.
Ask about the lender-paid 1-year buydown — your first year could come with a reduced rate, putting more money back in your pocket from day one. Homes offering this much land, flexibility, no HOA, and financing potential are rare. Schedule your private showing today and come see why this one stands out — before someone else grabs it!

Features

  • Rooms: 11
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 2004
  • Garage: 2-car
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,055
  • Acreage: 0.46
  • Est. Taxes: $2,170
  • Elem. School: Hammett Bowen Jr. Elementary
  • Middle School: Liberty Middle School
  • High School: West Port High School
  • Appliances: Dryer, Washer
  • MLS#: OM716750
  • Days on Market: 99 days
  • Website: https://www.raveis.com
    /prop/OM716750/10151sw41stterrace_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 5/24/2026 5:02:08 PM)
Listing courtesy of NEWMARK REAL ESTATE GROUP   Phone: 352-207-3600

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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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10151 SW 41ST TERRACE, Ocala, FL, 34476

$349,900

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 $279,920 $279,920 $279,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $181 $181 $181
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,724 $1,767 $2,324
Total Monthly Payment $1,980 $2,023 $2,580

* 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.