1108 NE 12TH STREET, OCALA, FL, 34470
Active10 days on marketListed Oct 2, 2026MLS #TB8553942
About this home
1108 NE 12TH STREET
Virtually Staged. Come call Ocala home! With NO HOA, a spacious Florida room, and warm rustic character, this 3 bedroom home gives you room to relax, gather, and enjoy the Florida lifestyle. The screened front porch welcomes you with a comfortable spot for morning coffee or an evening breeze. Inside, wood ceilings and exposed beams bring warmth to the connected living and dining areas, while large windows fill the space with natural light. Create a cozy seating area for conversation and movie nights, with room to gather around a dining table beside the fireplace. The kitchen keeps meal preparation close to the activity, featuring white cabinetry and generous countertop space. Three bedrooms are positioned along the opposite side of the home, each offering closet storage and flexibility for guests, an office, or hobbies. The central bathroom includes a tub and shower combination. At the back of the home, the expansive Florida room gives you even more room to enjoy your day! Windows line the space, bringing in sunlight and views of the surrounding greenery. Its generous layout allows for multiple areas—set up a comfortable lounge at one end and a game table, creative workspace, or casual dining spot at the other. Whether you’re settling in with a book, hosting friends, or spreading out with a favorite project, this room offers possibilities to fit your lifestyle. Outside, mature trees shade the fenced backyard, with space to garden, enjoy outdoor activities, or create a seating area of your own. Beyond home, explore the restaurants and shops around Ocala’s historic downtown square, or spend a day kayaking and enjoying the trails at Silver Springs State Park. From peaceful mornings on the porch to gatherings in the Florida room, this home is ready for you to make it your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,642
Sqft
0.26 ac
Lot size
1
Garage
1950
Year built
One
Levels
$127
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.
$1,763 /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
$1,763/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
+8.7%
$/sqft vs Ocala actives
$127 vs $180
Days on market
10 vs 74 typical
Where $127/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 34470 — neighborhood snapshot
Population
21,521
Median age
40.1
Median income
$49,592
Median home value
$171,500
Avg household
2.29
Households w/ children
2,267
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 → $284K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
222 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 1% below the OCALA 34470 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 1108 NE 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$152,353
1138 NE 9TH STREET · same community
3 bd · 2 ba · 1,626 sqft · $94/sqft · 68 DOM
Sold · Oct ’25$170,000
1022 NE 11TH AVENUE · same community
4 bd · 3 ba · 1,702 sqft · $100/sqft · 145 DOM
Sold · Jan ’26$203,500
924 NE 12TH AVENUE · same community
3 bd · 2.5 ba · 1,439 sqft · $141/sqft · 21 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1108 NE 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1108 NE 12TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1108 NE 12TH STREET FAQs
What would the monthly payment be for 1108 NE 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,763/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 1108 NE 12TH STREET?+
The most recent tax bill on record (2025) was $3,367. 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 1108 NE 12TH STREET?+
The listing reports pets: Yes. 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 $209,000, this home is listed about 30% below the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 1108 NE 12TH STREET?+
Wyomina Park Elementary School (elementary), Fort King Middle School (middle), Vanguard 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 KELLER WILLIAMS SUBURBAN TAMPA · Tony Baroni. MLS #TB8553942.
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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