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Private 1.08-acre estate in the gated community of the Arbors, near shopping, hospitals, and dining. This 4-bedroom, 4-bath home with a dedicated office offers over 4,053 sq ft of upgraded living space with no rear neighbors. Built in 2006, the home features 12–16 ft ceilings, travertine flooring, designer lighting, and quartz countertops throughout. Recent upgrades include a new roof (2024), new HVAC system (2025), new windows and doors (2025), an assumable solar panel system (2024), and solar pool heating. The gourmet kitchen includes updated cabinetry, an induction cooktop, and a double-drawer Café Series dishwasher, opening to a wet bar and main living area. The screened lanai features a full outdoor kitchen overlooking the pool, updated with new marcite/gunite, a new skimmer, and a gas heater. Additional features include a 3-car garage, concrete slab with double-gate access for boat parking, Hunter irrigation, patio blinds, remote-controlled attic stairs, custom closets, and a whole-house Generac generator. Front fountain, lush landscaping, and vinyl privacy fencing complete the curb appeal. Schedule your private showing today.

Highlights

  • Residential
  • Single Family Residence
  • Built in 2006
  • 1.08 Acre Lot
  • $125/mo HOA
  • 3 Car Garage
  • 166 days on Market

  • Bedrooms
    4
  • Bathrooms
    3 full · 1 half
  • Year Built
    2006
  • Stories
    1.0
  • Construction Materials
    Stucco, Stone, Block, Concrete
  • Foundation
    Slab
  • Garage Spaces
    3.0
  • Parking Features
    Attached
  • Living Area
    4053.0
  • Interior Features
    Eat-in Kitchen, Walk-In Closet(s), Vaulted Ceiling(s), Wet Bar, High Ceilings, Crown Molding
  • Appliances
    Dryer, Dishwasher, Microwave, Refrigerator, Washer, Range, Disposal, Cooktop, Range Hood
  • Flooring
    Terrazzo
  • Furnished
    Unfurnished
  • Exterior Features
    Lighting, Rain Gutters, Outdoor Kitchen, Outdoor Grill
  • Patio And Porch
    Screened
  • Pool Features
    In Ground, Private, Salt Water, Solar Heat, Tile
  • Cooling
    Central Air
  • Heating
    Central

  • Acres
    1.08
  • Utilities
    Cable Available, Electricity Available
  • Water
    Public

  • Area
    34480 - Ocala
  • County
    Marion
  • City
    Ocala
  • Neighborhood
    ARBORS
  • Zip Code
    34480
  • High School
    Forest High School
  • Middle School
    Osceola Middle School
  • Elementary School
    South Ocala Elementary School

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Frequently Asked Questions

How do I schedule a tour of 3970 SE 39th Cir?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 3970 SE 39th Cir.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 3970 SE 39th Cir?

Click Ask a Question to talk with our team. You already know it is a 4 bed, 3 bath, listed for $959,900. We can talk through recent upgrades, potential seller motivation, how this single family residence compares to others in Ocala, and can even get you in to see the property quickly.

How do I get a virtual tour of 3970 SE 39th Cir?

Yes! A virtual tour is available for 3970 SE 39th Cir. Click here to view the full walkthrough and explore every room at your own pace. If you would like a guided virtual showing or have questions along the way, we can connect you with our local expert to walk you through it live.

How much is the monthly mortgage payment for 3970 SE 39th Cir?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 3970 SE 39th Cir at around $6,218. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 3970 SE 39th Cir?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Marion County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 3970 SE 39th Cir?

In most cases, yes. Whether 3970 SE 39th Cir is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Ocala's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 3970 SE 39th Cir?

We can handle that for you. Our preferred local agent specializes in residentials in Ocala and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $959,900 with 4,053 sqft of space—that comes out to approximately $237 per square foot.

How long has this property been on the market?

3970 SE 39th Cir was listed on May 27, 2026, which means it's been on the market for 166 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 2006, making it approximately 20 years old.

What is the lot size of this property?

3970 SE 39th Cir sits on a 1.08-acre lot, which is 47,045 square feet.

What schools are assigned to this property?

Based on MLS info, this home is zoned for:

  • Elementary: South Ocala Elementary School
  • Middle: Osceola Middle School
  • High: Forest High School

Want to see how these schools compare? Check out our Marion County School Guide to see ratings, reviews, and more for the schools in the area.

What are the property taxes for 3970 SE 39th Cir?

The most recent public record shows annual property taxes for 3970 SE 39th Cir were approximately $9,066. This may change with reassessment or exemptions. Our local partner can verify current tax amounts and help you estimate future costs based on your situation.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $125 paid monthly.

Is 3970 SE 39th Cir still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data

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Listing information 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. Information deemed reliable but not guaranteed by the MLS. Copyright 2026, Stellar MLS. All rights reserved.

Last Updated: November 09, 2026 at 11:37AM | Source: Stellar MLS | MLS#: OM725467