SPRUCE ROAD, OCALA, FL, 34472
Active70 days on marketListed May 14, 2026MLS #OM724774
About this home
SPRUCE ROAD
Seller financing available with options designed to make your purchase simple. Enjoy quick approvals with no banks, no lengthy underwriting, no prepayment penalty, and no credit checks. Whether you're looking to build, invest, or hold, this opportunity offers a streamlined path to ownership. Contact us today to learn more about our competitive seller financing terms and get started right away. Build your dream home or invest in the growing community of Silver Springs Shores in Ocala, Florida! This lot features paved road access with power available, helping make the building process smooth and convenient. The property also comes with a clear inspection and no environmental issues, saving you time and additional development costs. Surrounded by established homes and new construction, this is a fantastic opportunity to secure land in one of Ocala’s most active and expanding residential communities. This desirable homesite is conveniently located near shopping, dining, schools, medical facilities, parks, and everyday essentials while still offering the peaceful charm of Central Florida living. Situated just minutes from downtown Ocala, Silver Springs State Park, Santos Trailhead, and major roadways, this property provides easy access to outdoor recreation, entertainment, and nearby cities throughout Central Florida.
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.
$393 /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
$393/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 84% below the OCALA 34472 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about SPRUCE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SPRUCE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
SPRUCE ROAD FAQs
What would the monthly payment be for SPRUCE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $393/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 SPRUCE ROAD?+
The most recent tax bill on record (2025) was $287. 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 $33,000, this home is listed about 89% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to SPRUCE ROAD?+
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.
Listing courtesy of UDI LLC · Asher Abadi. MLS #OM724774.
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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