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Single Family Residence at 12920 SW 40TH TER, OCALA
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Primary - 12920 SW 40TH TER, OCALA
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Primary Bath - 12920 SW 40TH TER, OCALA
primary closet - 12920 SW 40TH TER, OCALA
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Storage shed - 12920 SW 40TH TER, OCALA
storage shed - 12920 SW 40TH TER, OCALA
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47 photos

$325,000

Bedrooms
3
Bathrooms
2
Living area
1,655 sqft
Year built
2006
12920 SW 40TH TER
OCALA, FL 34473
Listed by CRYSTAL SNOOK REAL ESTATE

Highlights

Property type
Single Family Residence
Lot size
0.23 acres
Garage
1 space
On market
0 days
  • Private pool

About this home

Virtually Staged. Beautifully updated 3-bedroom, 2-bath pool home in desirable SW Ocala with **NO HOA and USDA 100% financing eligibility!** Offering 1,655 sq. ft. of living space, a 2-car garage, and a desirable split-bedroom floor plan, this home is packed with upgrades and move-in ready! Step inside to find luxury vinyl plank flooring and updated baseboards throughout (2026), updated lighting, and a beautifully remodeled kitchen featuring granite countertops, updated cabinetry, and stainless steel appliances. The spacious primary suite offers a private en-suite bathroom complete with **dual sinks, a relaxing garden tub, and a large walk-in shower**. Step outside to your private backyard oasis featuring a spacious screened lanai and a **saltwater, solar-heated swimming pool with an OWNED and FULLY paid-off solar heating system**, perfect for enjoying Florida living year-round! The fully fenced backyard offers fresh landscaping and a 12x24 storage shed for additional storage. Major improvements include a **NEW ROOF (2024), HVAC (2023), septic system (2020), pool (2018), solar pool heating (2020), and updated sliding glass door (2020)**. Additional features include a central vacuum system and exterior paint completed in 2018. Conveniently located just minutes from I-75, shopping, dining, and medical facilities along SR 200. Outdoor enthusiasts will love the nearby access to the Florida Trail and 49th Avenue Trailhead, accessible through a gate at the end of the street, offering opportunities for hiking and biking. **This property may qualify for USDA financing with 0% down for eligible buyers**, making homeownership even more attainable! With extensive updates, a private pool, and NO HOA, this home has so much to offer! Schedule your private showing today! Some photos have been virtually staged and AI generated.

Property details

MLS
Stellar MLS
MLS #
MFROM735491
Property type
Single Family Residence
Subdivision
MARION OAKS UN 07
Status
Active
Days on market
N/A
On market date
November 12, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
1
Parking spaces
N/A
Lot size
0.23 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
MARION OAKS ELEMENTARY SCHOOL
0.32 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
910
Student:teacher ratio
16.3:1
District
MARION
Middle
HORIZON ACADEMY AT MARION OAKS
2.04 mi away · Grades 5-8
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,015
Student:teacher ratio
22.6:1
District
MARION
High
BELLEVIEW HIGH SCHOOL
6.69 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,724
Student:teacher ratio
23.3:1
District
MARION

Walkability

Blended score for OCALA's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

21
Car-dependent
out of 100
EPA National Walkability Index
5.7 / 20 -- Least walkable
Google Places amenity density
10 / 100
Restaurants & cafes0
Grocery stores1
Parks1
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in OCALA, from live MLS data.

On the market 0 days -- 86 fewer days than OCALA's current average of 86 days.
For reference, the median list price across 4,933 active listings in OCALA right now is $299,900.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

Adjust tax / insurance estimates
Est. monthly payment
$2,107/mo
$65,000 down
$260,000 loan
Principal & interest$1,686
Property tax (est.)$271
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS. Last updated 18 hr ago.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.