645 SE 56TH AVENUE, OCALA, FL, 34480
Active165 days on marketListed Feb 21, 2026MLS #OM719353
About this home
645 SE 56TH AVENUE
Virtually Staged. Pool Home in Peaceful SE Ocala Welcome to the perfect place to begin your next chapter! This well-maintained 3-bedroom, 2-bath home with a 2-car garage offers comfort, simplicity, and value—ideal for first-time buyers ready to step into homeownership. Inside, you’ll love the open split floor plan with durable tile flooring throughout easy to clean and perfect for everyday living. Natural light fills the space, while the kitchen and breakfast area overlook your private pool and fully fenced backyard, creating a bright and inviting space to gather with family and friends. The kitchen was updated in 2022 with modern appliances, a reverse osmosis water system, and plenty of cabinet space, including a large pantry to keep everything organized. Enjoy the best of Florida living with an enclosed rear porch that opens to your screen-enclosed, heated pool—perfect for relaxing weekends, entertaining, or simply unwinding in your own backyard retreat. Major updates help give peace of mind, including HVAC (2025), pool pump and plumbing (2022), and pool heater (2019)—making this home truly move-in ready. Located on a quiet dead-end street shaded by beautiful oak trees in SE Ocala, you’ll enjoy a peaceful setting while still being close to everything—shopping, dining, and local favorites like Silver Springs State Park, Historic Downtown Ocala, and the World Equestrian Center. Affordable, low-maintenance, and full of charm—this home makes owning your first home feel easy and exciting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,400
Sqft
0.27 ac
Lot size
2
Garage
1995
Year built
One
Levels
$210
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.
$2,202 /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
$2,202/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
+11.4%
$/sqft vs Ocala actives
$210 vs $187
Days on market
165 vs 49 typical
Where $210/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 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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)
162 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 2% below the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 645 SE 56TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$359,900
725 SE 56TH AVENUE · same community
3 bd · 2 ba · 2,264 sqft · $159/sqft · 8 DOM
Sold · Dec ’25$265,000
43 ALMOND ROAD
3 bd · 2 ba · 1,400 sqft · $189/sqft · 77 DOM
Sold · Nov ’25$265,000
80 OLIVE DRIVE
3 bd · 2 ba · 1,400 sqft · $189/sqft · 11 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 645 SE 56TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 645 SE 56TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
645 SE 56TH AVENUE FAQs
What would the monthly payment be for 645 SE 56TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,202/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 645 SE 56TH AVENUE?+
The most recent tax bill on record (2025) was $2,173. 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 $294,000, this home is listed about 2% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 645 SE 56TH AVENUE?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview 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
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Time on market is leverage
165 days on market against a Ocala median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $309,000, now $294,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Cassandra Gardner. MLS #OM719353.
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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