638 NW 6TH TERRACE, OCALA, FL, 34475
Active318 days on marketListed Sep 23, 2025MLS #O6344564
About this home
638 NW 6TH TERRACE
Welcome to 638 NW 6th Terrace – a beautifully renovated home offering modern comfort and outdoor potential. This charming property features 3 spacious bedrooms, 2 updated bathrooms, and a stylish, upgraded kitchen ready for everyday living or entertaining. Step outside into your fully fenced backyard, complete with a cozy outdoor fireplace. Plus, there’s a designated space and setup offering the opportunity to finish an outdoor kitchen, allowing you to customize your own outdoor oasis. Located just minutes from downtown Ocala, this move-in-ready home is the perfect blend of convenience, style, and future potential. Back on market, no fault of seller. Seller is offering 5000 towards closing cost and prepaid with qualified offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,298
Sqft
0.36 ac
Lot size
1948
Year built
One
Levels
$172
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,675 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,675/mo
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.
vs edgeAI estimate
+2.9%
$/sqft vs Ocala actives
$172 vs $187
Days on market
318 vs 50 typical
Where $172/sqft sits among the 400 Ocala actives
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
Get to know Ocala. See the full Ocala guide →
OCALA 34475 — neighborhood snapshot
Population
14,812
Median age
36.1
Median income
$33,515
Median home value
$170,300
Avg household
2.65
Households w/ children
1,649
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
163 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 24% below the OCALA 34475 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 638 NW 6TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$205,000
515 SW 15TH AVENUE
3 bd · 2 ba · 1,280 sqft · $160/sqft · 28 DOM
Sold · Mar ’26$93,000
705 SW 12TH AVENUE
3 bd · 1.5 ba · 1,276 sqft · $73/sqft · 12 DOM
Sold · Dec ’25$365,000
725 SE 10TH PLACE
3 bd · 2 ba · 1,250 sqft · $292/sqft · 3 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.
Your agent
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 638 NW 6TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 638 NW 6TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
638 NW 6TH TERRACE FAQs
What would the monthly payment be for 638 NW 6TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,675/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 638 NW 6TH TERRACE?+
The most recent tax bill on record (2024) was $1,239. 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 $223,000, this home is listed about 25% below the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 638 NW 6TH TERRACE?+
Vanguard High School (high), Howard 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
01Under the OCALA 34475 market on paper
$223,000 is 24% below the OCALA 34475 median of $295,000, and at $172/sqft it sits under the Ocala average of $206.
02Time on market is leverage
318 days on market against a Ocala median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $225,000, now $223,000 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CITARELLI REALTY GROUP LLC · Benjamin Crane. MLS #O6344564.
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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