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538 Bahia Circle Dr, Ocala, FL, 34472

3beds
2baths
2,604sqft
$414,999
$159price/sqft
$3,101/moest. monthly cost
$124,040/yrincome needed

About This Home

$10,000 PRICE ADJUSTMENT!!! CURRENTLY THE MOST AFFORDABLE HOME IN THE ZIP CODE WITH A CUSTOM DEN/OFFICE BUILT INTO THE MASTER BEDROOM! SELLER IS WILLING TO ASSIST WITH CLOSING COSTS AND PREPAIDS! Hard-to-find layout at this price point! this property stands out as the most affordable home in 34472 featuring a PRIVATE BUILT IN DEN/OFFICE directly off the primary suite, making it one of the most unique and value-packed options in the local market! In this custom-built home with over 3,500 total square feet, the space, privacy, and timeless design on an OVERSIZED LOT of .35 acres with NO HOA OR FLOOD ZONE is something you cannot pass on! This one-of-a-kind property is tucked away on a quiet cul-de-sac DEAD-END STREET, & at the same LESS THAN 5 MINUTES AWAY FROM MAJOR RETAILERS & BRANDS like Walmart, Publix, Autozone, 7 eleven, Walgreens, CVS, Dominos, Mcdonalds, and much more, spending less time driving and making it perfect for anyone seeking peace, privacy and convenience all together! From the moment you arrive, you’ll notice the impressive entrance featuring a large front porch with six elegant columns, an oversized driveway, and a side-facing L-SHAPED GARAGE WITH SCREENED ENCLOSURE. The FULLY FENCED backyard includes a SHED, plus a separately fenced mini garden area ready for your plants or personal retreat. Inside, the home offers a spacious and unique layout with soaring ceilings, warm flooring, and beautiful architectural details throughout. The grand main living area is enhanced by built-in columns and opens into two additional flex spaces—ideal for a formal dining room, sitting room, office, or anything else your mind desires. The turn-key fully equipped kitchen with all INCLUDED APPLIANCES is perfectly positioned with a breakfast bar and a second dining area nearby for casual meals and entertaining. The oversized primary suite is a true retreat, featuring a built-in office/sitting area, not one but TWO WALK-IN CLOSETS, and private access to the FULLY SCREENED REAR PORCH. The luxurious fully tiled from top to bottom primary bathroom includes a secluded private toilet room, spacious secluded walk-in shower, oversized double vanity, and a relaxing HOT TUB. Secondary bedrooms are generously sized, including one with an exceptionally large closet. The guest bathroom is also generously spacious. Additional features include an INTERIOR LAUNDRY ROOM with WASHER & DRYER included, screened rear porch with access from both the living room and primary suite, and plenty of room inside and out to enjoy Florida living. This is not a cookie-cutter home—it’s a spacious custom property with character, land, and privacy. Schedule your private showing today!

Getting Around

14
WalkingCar-Dependent
19
TransitMinimal Transit
30
BikeSomewhat Bikeable

Schools

3/10
4/10
Lake Weir Middle SchoolGrades 6-88.4 mi
2/10
Lake Weir High SchoolGrades 9-123.5 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Custom
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Inside,Laundry Room,Washer Hookup

Bathroom2

  • Level: First

Bedroom2

  • Features: Walk-In Closet(s)
  • Level: First

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Primary Bedroom Main Floor,Thermostat,Walk-In Closet(s)
  • Door features: French Doors
  • Window features: Blinds
  • Flooring: Carpet,Ceramic Tile,Porcelain Tile,Vinyl

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,560
  • Total interior livable area: 2,604 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 9008002024
  • Zoning: R1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Rear Porch,Screened
  • Exterior features: Garden,Lighting,Private Mailbox,Private Yard,Rain Gutters,Storage
  • Fencing: Chain Link,Wood

Lot

  • Lot size: 0.35 Acres
  • Features: Cleared,Cul-De-Sac,Level,Oversized Lot
  • Lot size dimensions: 122 x 125

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener,Garage Faces Side,Oversized
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Strong Wind
Tornado

FEMA Declared Disasters in Marion County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,098$25,176
Home Insurance *$289$3,468
Property Taxes $452$5,424
Electricity $262$3,144
Total$3,101$37,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$106,320/yr
40% on housing$93,030/yr
45% on housing$82,693/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$159This listing

vs Other Active Listings

Avg $/sqft

ZIP 34472$103
Marion County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 34472$178
Marion County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-26Price change$414,999
2026-04-17Listed for sale$424,999
2026-04-15Listing removed$425,000
2026-03-24Price change$425,000
2025-10-30Listed for sale$460,000
2005-10-10Sold$203,300
2004-06-10Sold$8,000

For Sale by Agent

AgentBrayan Silverio
BrokerageCHARLES RUTENBERG REALTY ORLANDO

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