12804 SW 74TH TERRACE, OCALA, FL, 34473
Pending135 days on marketListed Mar 27, 2026MLS #O6394395
About this home
12804 SW 74TH TERRACE
Modern New Construction Home on a Corner Lot in Prime Ocala Location Welcome to this stunning new construction home ideally situated on a desirable corner lot in a sought-after area of Ocala, offering added privacy, extra outdoor space, and great curb appeal. This beautiful residence combines comfort, style, and convenience all in one. Designed with today’s buyers in mind, the home features a bright and airy open floor plan that creates a seamless flow between living spaces, perfect for both everyday living and entertaining. The home offers four spacious bedrooms, including a luxurious primary suite designed as a private retreat. The primary bedroom features a generous walk-in closet and a full en-suite bathroom complete with a relaxing bathtub. The additional three bedrooms are well-sized and equipped with built-in closets, providing excellent storage and flexibility for family, guests, or a home office. With two full bathrooms, this home ensures comfort and convenience for everyone. The living room and dining room are spacious and filled with natural light, creating an inviting atmosphere ideal for gatherings and memorable moments. The kitchen is both stylish and functional, showcasing solid wood cabinets, elegant stone countertops, and modern appliances included. This well-appointed space is perfect for cooking, entertaining, and enjoying daily life. Additional features include a two-car attached garage, offering convenience and extra storage. The home is ideally located near a main road, providing easy access to shopping, dining, and commuting, while also being close to well-regarded schools—an excellent choice for families. This is a fantastic opportunity to own a brand-new home on a corner lot in a great Ocala location. Schedule your showing today and experience the perfect blend of quality, space, and modern design.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,799
Sqft
0.29 ac
Lot size
2
Garage
2025
Year built
One
Levels
$176
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.
$2,196 /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
$2,196/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
+4.1%
Days on market
135 vs 52 typical
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34473 — neighborhood snapshot
Population
25,030
Median age
39.4
Median income
$70,559
Median home value
$242,400
Avg household
2.98
Households w/ children
3,117
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 26% above the OCALA 34473 median. See the full Ocala market guide →
Paper trail
This home's history
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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12804 SW 74TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12804 SW 74TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12804 SW 74TH TERRACE FAQs
What would the monthly payment be for 12804 SW 74TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,196/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 12804 SW 74TH TERRACE?+
The most recent tax bill on record (2025) was $435. 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 12804 SW 74TH TERRACE?+
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 $315,900, this home is listed about 6% above the Ocala median of $298,888. The market section on this page shows how the area is trending.
Which schools are assigned to 12804 SW 74TH TERRACE?+
Horizon Academy At Marion Oaks (middle), Sunrise Elementary School (elementary), Dunnellon High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$315,900 runs 26% above the OCALA 34473 median.
02Time on market is leverage
135 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 $329,000, now $315,900 — a $13K cut. The full history is in the market section below.
Listing courtesy of WRA BUSINESS & REAL ESTATE · Victor Kubrusly. MLS #O6394395.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 12804 SW 74TH TERRACE but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Alek to ping you on any price or status change →