742 SE 12TH STREET, OCALA, FL, 34471
Active9 days on marketListed Jul 30, 2026MLS #OM729052
About this home
742 SE 12TH STREET
Welcome to this picture-perfect 2-bedroom, 1-bath home in the heart of Ocala's highly desirable Historic District and Golf Cart District! Just minutes from vibrant downtown Ocala, you'll enjoy the convenience of being less than five minutes from charming local boutiques, top-rated restaurants, cafés, shopping, hospitals, schools, parks, and entertainment. Whether you're taking a golf cart to dinner, enjoying the area's historic charm, or exploring the many community events downtown has to enjoy, this location is truly unmatched. From the moment you arrive, you'll appreciate the timeless character and inviting curb appeal that make homes in this neighborhood so sought after. A fenced front yard adds to the home's welcoming appeal, while the fully fenced backyard provides the perfect space for pets, gardening, entertaining, or simply relaxing in your own private outdoor retreat. Inside, you'll find a warm and welcoming floor plan filled with natural light, blending classic charm with tasteful modern updates. The beautifully renovated kitchen (2024) serves as the heart of the home, while recent major improvements—including a new roof (2024), HVAC system (2023), energy-efficient windows (2018), and professionally encapsulated crawl space (2025)—provide peace of mind and make this home truly move-in ready. Whether you're searching for your first home, a cozy place to downsize, a seasonal retreat, or an investment in one of Ocala's most established neighborhoods, this home checks all the boxes. Opportunities like this are rare in the Historic District—don't miss your chance to own a beautifully updated home in one of the most charming and walkable areas Ocala has to enjoy.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
912
Sqft
0.14 ac
Lot size
1
Garage
1947
Year built
One
Levels
$356
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.
$2,357 /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
$2,357/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
+156%
$/sqft vs Ocala actives
$356 vs $186
Days on market
9 vs 52 typical
Where $356/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)
169 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 3% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 742 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 · Mar ’26$290,000
742 SE 12TH STREET · same community
2 bd · 1 ba · 912 sqft · $318/sqft · 81 DOM
Sold · Jan ’26$210,000
626 31ST STREET S · same community
4 bd · 1 ba · 990 sqft · $212/sqft · 89 DOM
Sold · Nov ’25$510,000
2950 2ND AVENUE S · same community
3 bd · 2 ba · 1,083 sqft · $471/sqft · 9 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 742 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 742 SE 12TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
742 SE 12TH STREET FAQs
What would the monthly payment be for 742 SE 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,357/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 742 SE 12TH STREET?+
The most recent tax bill on record (2025) was $1,687. 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 $324,900, this home is listed about 9% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 742 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTRAL CITY REALTY · Madison Caputo. MLS #OM729052.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 742 SE 12TH STREET but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frantreshia to ping you on any price or status change →