Rui Ma
$240,500$249,0003 bd2 ba1,345 sqft$179 /sqft$2,002 /mo all-in ↓

178 PINE COURSE, OCALA, FL, 34472

Active151 days on marketListed Feb 18, 2026MLS #OM719120

Reduced $9KSingle Family ResidenceSILVER SPGS SHORES UN

About this home

178 PINE COURSE

This charming home located in the desirable Silver Springs Shores area of Ocala. This property offers a spacious layout with great natural light, a comfortable living area, and a functional floor plan perfect for everyday living. The home features a generous backyard with plenty of room for outdoor enjoyment, entertaining, or future customization. Conveniently located near shopping, dining, schools, and major roadways, this property provides both comfort and accessibility. A wonderful opportunity to make it your own!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,345

Sqft

0.24 ac

Lot size

2

Garage

2022

Year built

One

Levels

$179

Per sqft

Inside

FlooringVinyl
AppliancesDishwasher · Range · Range Hood · Refrigerator
InteriorLiving Room/Dining Room Combo · Walk-In Closet(s)
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesNorthwest
ExteriorNone

Community & fees

Taxes (2025)$3,836/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Water Available
WaterPrivate · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,002 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,416
FHA mortgage insurance (est.)$106
Property tax — 2025 actual bill$320
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,418Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,418
Interest rate6.00%
Loan term

Estimated payment

$2,002/mo

Principal & interest$1,416
FHA mortgage insurance (est.)$106
Property taxes (actual bill)$320
Est. insurance$160

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.

List $241K
$231KedgeAI estimate $248,073 · range $246K$251K$261K

vs edgeAI estimate

−3.1%

$/sqft vs Ocala actives

$179 vs $180

Days on market

151 vs 43 typical

Where $179/sqft sits among the 400 Ocala actives

102
165 · this home
84
19
3
27
$116–157$157–198$198–239$239–280$280–321$321+

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

Map of 178 PINE COURSE

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

HighForest High School★★★★★
ElementaryLegacy Elementary School★★★★★
MiddleLake Weir Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ocala market

Seller’s marketBalanced6.3 months of inventoryBuyer’s market

$285K$280K

Ocala median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

156 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 15% above the OCALA 34472 median. See the full Ocala market guide →

Paper trail

This home's history

CurrentPrice reduced to $240,500 $9K
Feb 18, 2026Listed at $249,000 · 151 days on market since
2022Built · SILVER SPGS SHORES UN

Reality check

What actually sold near 178 PINE COURSE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5 WATER PASSSold · Aug ’25

$239,900

5 WATER PASS

3 bd · 2 ba · 1,345 sqft · $178/sqft · 6 DOM

177 WILLOW ROADSold · Jul ’25

$230,000

177 WILLOW ROAD

3 bd · 2 ba · 1,352 sqft · $170/sqft · 88 DOM

28 WALNUT RUNSold · Jun ’26

$249,900

28 WALNUT RUN

3 bd · 2 ba · 1,331 sqft · $188/sqft · 46 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.

Rui Ma

Your agent

Rui Ma

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 178 PINE COURSE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 178 PINE COURSE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Rui's phone and CRM.

Goes straight to Rui’s phone and CRM.

Straight answers

178 PINE COURSE FAQs

What would the monthly payment be for 178 PINE COURSE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,002/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 178 PINE COURSE?+

The most recent tax bill on record (2025) was $3,836. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Ocala?+

At $240,500, this home is listed about 20% below the Ocala median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 178 PINE COURSE?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$240,500 runs 15% above the OCALA 34472 median.

02Time on market is leverage

151 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $249,000, now $240,500 — a $9K cut. The full history is in the market section below.

Listing courtesy of SUNCOAST PROPERTY MANAGEMENT L · Kelly Treadaway. MLS #OM719120.

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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