4 SPRUCE WAY, OCALA, FL, 34472
Active0 days on marketListed Jul 23, 2026MLS #C7528764
About this home
4 SPRUCE WAY
Under Construction. Discover Your Dream Home in the Silver Springs Shores Community! The Alton Plan offers a contemporary living experience with its design and desirable features. The standout kitchen is a culinary masterpiece, featuring cabinetry, quartz countertops, and stainless steel appliances, including a smooth-top range, over-the-range microwave, and dishwasher. This culinary space opens seamlessly into a welcoming dining area and spacious living room, perfect for hosting gatherings or relaxation. Convenience abounds with all bedrooms and a sizable laundry room on the main floor. The serene owner’s suite is a retreat with a private bath and a generous walk-in closet. Additional highlights include a 2-car garage for ample storage and parking. Enhanced with energy-efficient Low E insulated dual-pane vinyl windows and a 1-year limited home warranty, this home combines style and functionality. Ask sales counselor about new enhanced kitchen cabinet features and updated farmhouse style trim package!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,263
Sqft
0.23 ac
Lot size
2
Garage
2026
Year built
One
Levels
$204
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 — not generic estimates.
$1,818 /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
$1,818/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
+12.7%
Days on market
0 vs 43 typical
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 34472 — neighborhood snapshot
Population
34,665
Median age
40.1
Median income
$61,635
Median home value
$185,900
Avg household
2.67
Households w/ children
3,980
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)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the OCALA 34472 median. See the full Ocala market guide →
Paper trail
This home's history
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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4 SPRUCE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4 SPRUCE WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4 SPRUCE WAY FAQs
What would the monthly payment be for 4 SPRUCE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,818/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4 SPRUCE WAY?+
The most recent tax bill on record (2025) was $300. 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 4 SPRUCE WAY?+
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 $257,990, this home is listed about 14% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4 SPRUCE WAY?+
Forest High School (high), Legacy Elementary School (elementary), Lake Weir Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of WJH BROKERAGE FL LLC · Fikr Meshesha. MLS #C7528764.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 4 SPRUCE WAY but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →