SW 128TH TERRACE ROAD, OCALA, FL, 34481
Active274 days on marketListed Nov 7, 2025MLS #O6357973
About this home
SW 128TH TERRACE ROAD
Seller motivated. Imagine your dream home on this serene 1.87-acre vacant lot — a blank canvas ready for your personal touch! Enjoy the tranquility of rural living with the convenience of nearby amenities. A rare opportunity to create a home designed entirely around your lifestyle and needs.
Facts & features
The home at a glance
1.87 ac
Lot size
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.
$819 /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
$819/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.
Where it sits
Inside Ocala
Get to know Ocala. See the full Ocala guide →
OCALA 34481 — neighborhood snapshot
Population
25,668
Median age
68.5
Median income
$54,639
Median home value
$213,000
Avg household
1.9
Households w/ children
978
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)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near SW 128TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$259,000
6075 SW 133RD TERRACE ROAD · same community
3 bd · 2 ba · 1,350 sqft · $192/sqft · 25 DOM
Sold · Feb ’26$405,000
12396 SW 64TH STREET ROAD · same community
3 bd · 2 ba · 1,781 sqft · $227/sqft · 219 DOM
Sold · Feb ’26$369,000
5796 SW 124TH TERRACE ROAD · same community
3 bd · 2 ba · 1,800 sqft · $205/sqft · 22 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about SW 128TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SW 128TH TERRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
SW 128TH TERRACE ROAD FAQs
What would the monthly payment be for SW 128TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $819/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 SW 128TH TERRACE ROAD?+
The most recent tax bill on record (2024) was $765. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at SW 128TH TERRACE ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $94,000, this home is listed about 69% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to SW 128TH TERRACE ROAD?+
Dunnellon High School (high), Dunnellon Elementary School (elementary), Dunnellon 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 34481 market on paper
$94,000 is 59% below the OCALA 34481 median of $229,900.
02Time on market is leverage
274 days on market against a Ocala median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $115,000, now $94,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JF STAR REALTY · Asiledy Manzanares Rodriguez. MLS #O6357973.
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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