645 SE 21ST PLACE, OCALA, FL, 34471
Active64 days on marketListed Jun 2, 2026MLS #OM725860
About this home
645 SE 21ST PLACE
Welcome to this beautiful 3-bedroom, 2-bath single-family home offering 1,596 square feet of comfortable living space on a spacious 0.31-acre lot. Built in 1987, this home has been thoughtfully updated with major improvements, including a new roof in 2022, a new water heater in 2021, a newly painted exterior, and a new garage door with opener in 2026. Tucked away in a cul-de-sac and located near Fisher Park, this property offers a comfortable neighborhood setting with convenient access to everything Ocala has to see. Inside, you will find a functional layout with a bonus room featuring a closet, making it a perfect space for a home office, hobby room, guest area, or additional storage. The home includes several valuable upgrades designed for comfort, convenience, and everyday living. Enjoy a RainSoft water softener, front-load LG washer and dryer, utility sink, smart thermostat, Vivint security system, and Quantum Fiber internet readiness. The home is also wired for a surround sound system, making it easy to enjoy movie nights, music, or entertaining. The kitchen includes a new LG refrigerator and dishwasher, adding modern convenience to the heart of the home. Located near Cornerstone School and St. Johns Lutheran School, this property offers a convenient Ocala location just minutes from beautiful Downtown Ocala. With generous lot space, updated features, a versatile bonus room, cul-de-sac placement, and proximity to Fisher Park, this home is ready for its next owner to enjoy comfort, convenience, and a great location.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,596
Sqft
0.31 ac
Lot size
2
Garage
1987
Year built
One
Levels
$214
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.
$2,535 /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
$2,535/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
+18.5%
$/sqft vs Ocala actives
$214 vs $187
Days on market
64 vs 49 typical
Where $214/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)
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 13% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 645 SE 21ST PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$210,000
818 SE 21ST PLACE · same community
3 bd · 2.5 ba · 1,638 sqft · $128/sqft · 12 DOM
Sold · Jun ’26$299,900
2159 SE 7TH TERRACE · same community
3 bd · 2 ba · 1,648 sqft · $182/sqft · 6 DOM
Sold · Apr ’26$275,000
854 SE 28TH STREET
3 bd · 2 ba · 1,599 sqft · $172/sqft · 67 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 645 SE 21ST PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 645 SE 21ST PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
645 SE 21ST PLACE FAQs
What would the monthly payment be for 645 SE 21ST PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,535/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 21ST PLACE?+
The most recent tax bill on record (2025) was $2,534. 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 $341,900, this home is listed about 14% above 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 21ST PLACE?+
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
Three things that matter here
01Positioned at the premium end
$341,900 runs 13% above the OCALA 34471 median.
02Strong 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.
03The price has already moved
Listed at $360,000, now $341,900 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of D. F. GRAY INC · Joe Tardif. MLS #OM725860.
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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