Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

HomeJam
Search Homes

List Price

$150,000

14939 46th, Ocala, FL 34473

89 days on market↓ $79K from original list price

Estimated Payment

$1,401/mo

$0 down with a USDA loan and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,232 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2007

Listed by

Camila Ortiz

LPT REALTY, LLC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Auction Property. Look no further! A wonderful opportunity to enjoy comfortable Florida living in a peaceful neighborhood. This inviting home offers the perfect blend of comfort, convenience, and everyday functionality, making it ideal for first-time homebuyers, growing families, seasonal residents, or anyone looking to enjoy the relaxed Ocala lifestyle. Step inside to discover a bright and welcoming interior with a functional layout designed for both everyday living and entertaining. The spacious living areas flow seamlessly into the kitchen and dining space, creating an ideal setting for gatherings with family and friends. Comfortable bedrooms provide a private retreat, while the outdoor space offers plenty of room to relax, garden, or create your own backyard oasis. Conveniently located near shopping, dining, schools, parks, and major roadways, this home provides easy access to everything Ocala offers while maintaining the tranquility of a residential setting. Whether you're looking for your next home or a smart investment opportunity, this property is ready to welcome its next owner. Don't miss your chance to make 14939 SW 46th Circle your new address. Schedule your private showing today!

14939 46th, Ocala, FL 34473 in Ocala, FL 34473 is listed for $150,000. The home has 3 bedrooms, 2 bathrooms, and 1,232 square feet, and was built in 2007. Listed 89 days ago. The price was reduced from $229,000. The listing is held by LPT REALTY, LLC.

34473 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$2,655 (tax year 2024)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$1,401/moest.

  • Principal & Interest 72%
  • Property Taxes 16%
  • Insurance 9%
  • USDA Fee 3%
Principal & Interest
$1,011
Property Taxesfrom listing
$221
Insurance
$125
USDA Annual Fee
$44

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$1,500

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

Need a mortgage?

Get connected with a loan officer without sending your information to a marketplace of lenders.

One request. One follow-up.

No barrage of calls or emails.

You Might Also Like

9480 102nd, Ocala, FL 34481

$159,500

9480 102nd, Ocala, FL 34481

2 bd · 2 ba · 1,144 sq ft

10825 91st Ct., Ocala, FL 34481

$169,900

10825 91st Ct., Ocala, FL 34481

2 bd · 2 ba · 960 sq ft

13780 40th, Ocala, FL 34473

$130,000

13780 40th, Ocala, FL 34473

2 bd · 2 ba · 984 sq ft

13360 2nd, Ocala, FL 34473

$164,990

13360 2nd, Ocala, FL 34473

3 bd · 2 ba · 1,080 sq ft

Frequently Asked Questions

The estimated monthly payment is $1,401, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $2,655 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR794953133. HomeJam is not the listing broker.

List Price

$150,000

We use cookies and similar tools to remember how you found us, keep a session identifier, and understand which property pages you view. You can accept this use or decline optional tracking. See our privacy notice.