226 NW 44TH STREET, OCALA, FL, 34475
Active62 days on marketListed Jun 4, 2026MLS #O6412701
About this home
226 NW 44TH STREET
PRICE REDUCED by $10,000! Motivated seller-ready to consider offers! Welcome to St. James Park, where modern comfort, style, and convenience come together in one of Ocala’s most desirable gated communities. Built in 2022, this beautifully maintained residence combines contemporary design with the ease of move-in-ready living. Featuring a spacious open-concept layout and a desirable split-bedroom floor plan, this home is thoughtfully designed for both everyday living and effortless entertaining. The bright and inviting living areas flow seamlessly into the well-appointed kitchen, complete with stainless steel appliances, ample cabinetry, generous counter space, and a large center island that serves as the heart of the home. The private owner’s suite offers a peaceful retreat, featuring a spacious walk-in closet, dual vanities, and a beautifully appointed en-suite bathroom. Additional bedrooms provide versatility and comfort for family, guests, or a dedicated workspace. Designed with both functionality and comfort in mind, this home offers the perfect balance of open living spaces and private retreats, creating an inviting atmosphere for any lifestyle. Situated within the gated community of St. James Park, residents enjoy a tranquil setting while remaining conveniently close to shopping, dining, medical facilities, Downtown Ocala, and the renowned World Equestrian Center. Move-in ready and ideally located, this exceptional home presents a wonderful opportunity to enjoy modern living in one of Ocala’s most sought-after communities. Schedule your private showing today. The garage freezer does not convey with the sale. Also, all aluminum storage units/shelving in the garage do not convey and will be removed by the seller prior to closing.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,117
Sqft
0.25 ac
Lot size
2
Garage
2022
Year built
One
Levels
$170
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.
$2,879 /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
$2,879/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+4.8%
$/sqft vs Ocala actives
$170 vs $187
Days on market
62 vs 49 typical
Where $170/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 34475 — neighborhood snapshot
Population
14,812
Median age
36.1
Median income
$33,515
Median home value
$170,300
Avg household
2.65
Households w/ children
1,649
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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
160 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 22% above the OCALA 34475 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 226 NW 44TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$355,550
85 NW 45TH LOOP · same community
4 bd · 2 ba · 2,169 sqft · $164/sqft · 87 DOM
Sold · Feb ’26$319,550
212 NW 44TH STREET · same community
4 bd · 2 ba · 2,169 sqft · $147/sqft · 173 DOM
Sold · Aug ’25$364,450
13 NW 45TH LOOP · same community
4 bd · 2 ba · 2,240 sqft · $163/sqft · 164 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 226 NW 44TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 226 NW 44TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
226 NW 44TH STREET FAQs
What would the monthly payment be for 226 NW 44TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,879/mo — principal and interest, the actual property-tax bill, the $97/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 226 NW 44TH STREET?+
The association fee works out to $97 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 226 NW 44TH STREET?+
The most recent tax bill on record (2025) was $4,194. 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 226 NW 44TH STREET?+
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 $359,000, this home is listed about 20% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 226 NW 44TH STREET?+
Vanguard High School (high), Howard 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 EXP REALTY LLC · Veronica Cervantes. MLS #O6412701.
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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