905 SE 12TH STREET, OCALA, FL, 34471
Active153 days on marketListed Mar 7, 2026MLS #OM720321
About this home
905 SE 12TH STREET
Welcome to one of Southeast Ocala's most exceptional opportunities—a spacious and beautifully updated residence offering the perfect blend of classic charm, modern comfort, and an enviable in-town location. Nestled on a picturesque street just minutes from Downtown Ocala, the Historic District, and the beloved Woodfields neighborhood, this 5-bedroom, 3.5-bath home delivers the lifestyle today's buyers have been searching for. Inside, timeless architectural details and thoughtfully designed living spaces create an atmosphere that feels both elegant and inviting. The formal living room, highlighted by a cozy fireplace, provides the perfect setting for intimate gatherings, a home office, or a quiet reading retreat. Adjacent formal dining and expansive family living areas have abundant space for entertaining, enhanced by natural light, plantation shutters, crown molding, and seamless flow throughout the home. At the center of it all, the well-appointed kitchen features generous cabinetry, a charming breakfast nook, and effortless access to the home's gathering spaces. Just beyond, a stylish bar area creates the ideal backdrop for hosting family celebrations, holiday gatherings, or relaxing evenings at home. A standout feature of the property is the versatile private-entry flex space located off the kitchen. Whether used as a guest suite, home office, fitness room, art studio, or multigenerational living space, this area provides endless possibilities to suit your lifestyle. The first-floor primary suite serves as a peaceful sanctuary, complete with dual vanities, a soaking tub, separate shower, and ample storage. Upstairs, four additional bedrooms give flexibility for family, guests, hobbies, media space, or additional work-from-home needs, all complemented by brand-new carpeting. Step outside and discover your own private outdoor retreat. Multiple paver patios invite year-round entertaining, while the charming gazebo offers the perfect spot to unwind. A dedicated dog run adds convenience for pet owners, and the spacious backyard provides plenty of room for a future pool, creating endless opportunities to customize the outdoor experience. Recent improvements provide added value and peace of mind, including a new roof (2022), two new HVAC systems (2024), a downstairs water heater (2023), and an upstairs water heater (2026). Location truly sets this property apart. Enjoy the convenience of golf cart access to Downtown Ocala's vibrant dining scene, boutiques, coffee shops, farmers markets, and popular community events. Nearby medical facilities, parks, outdoor recreation, and attractions such as Silver Springs State Park, Santos Trail, and the World Equestrian Center place the very best of Ocala within easy reach. Minutes to Adventhealth Ocala and HCA Ocala. Situated within highly sought-after school zones including Eighth Street Elementary, Osceola Middle School, and Forest High School, this home has a rare combination of space, flexibility, updates, and location that is increasingly difficult to find. Homes of this caliber in Southeast Ocala are few and far between. Schedule your private showing today and experience firsthand everything this remarkable property has to make your forever home a reality.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,883
Sqft
0.27 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$237
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.
$6,498 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,498/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+12.4%
$/sqft vs Ocala actives
$237 vs $187
Days on market
153 vs 50 typical
Where $237/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 34471 — neighborhood snapshot
Population
26,031
Median age
44.2
Median income
$60,283
Median home value
$292,200
Avg household
2.31
Households w/ children
2,491
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)
163 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 202% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 905 SE 12TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$860,000
1107 SE 9TH AVENUE · same community
5 bd · 3.5 ba · 3,689 sqft · $233/sqft · 85 DOM
Sold · Mar ’26$850,000
1037 SE 9TH AVENUE · same community
4 bd · 3.5 ba · 3,445 sqft · $247/sqft · 14 DOM
Sold · Dec ’25$863,000
2015 SE 11TH STREET
4 bd · 3.5 ba · 3,769 sqft · $229/sqft · 0 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 905 SE 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 905 SE 12TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
905 SE 12TH STREET FAQs
What would the monthly payment be for 905 SE 12TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,498/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 905 SE 12TH STREET?+
The most recent tax bill on record (2025) was $12,351. 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 905 SE 12TH STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $919,900, this home is listed about 208% above the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 905 SE 12TH STREET?+
Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$919,900 runs 202% above the OCALA 34471 median — but at 3,883 sqft it's also nearly twice the size of the typical Ocala listing.
02Time on market is leverage
153 days on market against a Ocala median of 50 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $929,900, now $919,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HS FLORIDA · Sonya Nasser. MLS #OM720321.
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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