11 SPRUCE LANE, OCALA, FL, 34472
Active63 days on marketListed Jun 1, 2026MLS #O6411319
About this home
11 SPRUCE LANE
New Home for Sale in Ocala – The Ultimate in Comfort and Location! This stunning Ocala home offers an exceptional living experience, combining modern design, convenience, and an unbeatable location.This property is a true gem with immense long-term appreciation potential. Whether you’re looking for a family home or a solid investment, this home has it all! With 3 generously spacious bedrooms and 2 modern and stylish bathrooms, this home offers the perfect space for relaxation and comfort. The master suite is a true retreat, with a large walk-in closet for all your storage needs. Step outside to your charming covered terrace, offering the ideal space to relax while enjoying the views of your landscaped garden. The kitchen is a chef’s dream, with sleek cabinetry, luxurious quartz countertops, and top-of-the-line appliances already included. The design creates a warm and inviting atmosphere for preparing meals and gathering with the family. As a bonus from the seller, you will enjoy a fully equipped laundry room, making daily tasks more efficient and hassle-free. The water-resistant vinyl flooring is both practical and stylish, offering a modern appeal and ensuring easy maintenance and long durability. The spacious 2-car garage and automatic gate provide added security and convenience for your family. This home is strategically located in one of the most desirable areas of Ocala, offering tranquility and proximity to the city's main amenities and points of interest. The home is just 10 minutes from Highway I-75, providing easy access for travel and commuting to other cities. Ocala National Forest, famous for its trails and outdoor activities, is just 20 minutes away, ideal for those who enjoy enjoying nature. You will find several supermarkets, such as Walmart and Publix, within a 5-minute radius, as well as great restaurants and cafes nearby to please all tastes. Additionally, the proximity to high-quality schools and other local amenities make this location even more attractive, ensuring convenience in everyday life and long-term appreciation. With Ocala’s great growth potential, this home represents an excellent investment opportunity. Don’t miss out on this rare opportunity to own a new, high-quality home in Ocala! Schedule your viewing today and see for yourself why this home is the perfect place to call your own.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
0.24 ac
Lot size
2
Garage
2025
Year built
One
Levels
$187
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.
$1,921 /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
$1,921/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
+6%
$/sqft vs Ocala actives
$187 vs $184
Days on market
63 vs 43 typical
Where $187/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 34472 — neighborhood snapshot
Population
34,665
Median age
40.1
Median income
$61,635
Median home value
$185,900
Avg household
2.67
Households w/ children
3,980
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
146 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 26% above the OCALA 34472 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 11 SPRUCE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$250,000
24 OAK RUN
3 bd · 2 ba · 1,450 sqft · $172/sqft · 73 DOM
Sold · Aug ’25$255,000
5 EMERALD TRAIL
3 bd · 2 ba · 1,450 sqft · $176/sqft · 335 DOM
Sold · Jan ’26$259,000
13 SPRUCE PASS
3 bd · 2 ba · 1,456 sqft · $178/sqft · 42 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11 SPRUCE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11 SPRUCE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11 SPRUCE LANE FAQs
What would the monthly payment be for 11 SPRUCE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,921/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 11 SPRUCE LANE?+
The most recent tax bill on record (2024) was $546. 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 11 SPRUCE LANE?+
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 $271,000, this home is listed about 9% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11 SPRUCE LANE?+
Forest High School (high), Legacy Elementary School (elementary), Lake Weir Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KAZA REAL ESTATE LLC · Manuella Benrhanem, PA. MLS #O6411319.
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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