Single Family Residence at 4190 SW 103RD STREET RD, OCALA
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$579,500

4190 SW 103RD STREET RD
OCALA, FL 34476
Listed by Betti Silverman
Bedrooms
4
Bathrooms
4
Living area
3,366 sqft
Year built
2006

About this home

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.

Highlights

Private poolFireplace

Property details

MLS #
MFROM726736
Property type
Single Family Residence
Subdivision
OCALA WATERWAY ESTATE
Status
Active
Days on market
92
On market date
June 16, 2026
Stories
N/A
Total bathrooms
4
Garage spaces
3
Parking spaces
N/A
Lot size
0.46 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
HAMMETT BOWEN JR. ELEMENTARY SCHOOL
1.15 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
808
Student:teacher ratio
16.8:1
District
MARION
Middle
LIBERTY MIDDLE SCHOOL
1.22 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,315
Student:teacher ratio
21.2:1
District
MARION
High
BELLEVIEW HIGH SCHOOL
6.27 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,724
Student:teacher ratio
23.3:1
District
MARION

Walkability

Blended score for OCALA's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

25
Car-dependent
out of 100
EPA National Walkability Index
6.0 / 20 -- Below average walkable
Google Places amenity density
18 / 100
Restaurants & cafes3
Grocery stores0
Parks0
Schools2
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in OCALA, from live MLS data.

On the market 92 days -- 8 fewer days than OCALA's current average of 100 days.
For reference, the median list price across 4,934 active listings in OCALA right now is $249,900.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$3,640/mo
$115,900 down
$463,600 loan
Principal & interest$3,007
Property tax (est.)$483
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 26 days ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.