Lot 32 SPRUCE PASS, OCALA, FL, 34472
Active352 days on marketListed Aug 16, 2025MLS #OM707777
About this home
Lot 32 SPRUCE PASS
Cleared lot in The Shore's a fast growing community in Ocala Fl. This area has seen growth due to it being centrally located and it's well recognized positioning. Here is a great example of the old cliché location, location location and what it can mean for a homeowner. You will find shopping, dining, medical, job opportunities and recreation just a stones throw away. Let's work together and make this wonderful lot yours!
Facts & features
The home at a glance
0.23 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.
$455 /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
$455/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 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)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% below the OCALA 34472 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near Lot 32 SPRUCE PASS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$201,000
170 SPRUCE ROAD · same community
3 bd · 2 ba · 1,014 sqft · $198/sqft · 170 DOM
Sold · Nov ’25$249,995
11 EMERALD TRAIL · same community
3 bd · 2 ba · 1,209 sqft · $207/sqft · 331 DOM
Sold · Jun ’26$273,000
2 OAK TRAIL · same community
3 bd · 2 ba · 1,380 sqft · $198/sqft · 78 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about Lot 32 SPRUCE PASS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for Lot 32 SPRUCE PASS — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
Lot 32 SPRUCE PASS FAQs
What would the monthly payment be for Lot 32 SPRUCE PASS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $455/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 Lot 32 SPRUCE PASS?+
The most recent tax bill on record (2024) was $347. 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 $42,000, this home is listed about 86% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to Lot 32 SPRUCE PASS?+
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.
The brief
Three things that matter here
01Under the OCALA 34472 market on paper
$42,000 is 80% below the OCALA 34472 median of $215,000.
02Time on market is leverage
352 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $45,000, now $42,000 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of QUARTER STONE REALTY, LLC · Cleedia Huff. MLS #OM707777.
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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