10176 SW 38th Ave, Ocala, FL 34476 Property Records

Marion County property record for 10176 SW 38th Ave, Ocala, FL 34476

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,062 sqft · built 2019
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Oct 2019)
Tax Bill	$3,668 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3578-022-011`

Property Details

APN / Parcel Number

Primary APN	`3578-022-011`
Alternative APN	`3898958000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,062 sqft Living Area
1st Floor Area	2,062 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	595 sqft
Porch	Open Porch
Porch Area	169 sqft
Patio Area	595 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	3898958000
Street Address	10176 SW 38TH AVE
City	OCALA
State	FL
Zip	34476-9536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 27 TWP 16 RGE 21
Legal Range	21E
Legal Township	16S
Legal Section	27
Legal Subdivision	OCALA WATERWAY ESTATES
Legal Lot Number	11
Jurisdiction	MARION FL
Township / Civil Division	BELLEVIEW
Census Block Group	2
Census Block	2022
Census Tract	1009

Owner

10176 SW 38th Ave is owned and occupied by two individuals who bought it in October 2019.

Source: Marion County records, as of January 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10176 SW 38TH AVE, OCALA, FL 34476-9536
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 28, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on File
Deed Sale	Oct 28, 2019 · Amount on File
Deed Document Number	2019112858
Deed Book / Page	7066 / 1194
Record Updated	Jun 8, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	10176 SW 38TH AVE, OCALA, FL 34476-9536
Transaction Type	Mortgage
Record Updated	Dec 23, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10176 SW 38TH AVE, OCALA, FL 34476-9536

Mortgage

Document Number	0083821631
Date	Jul 26, 2024
Book Page	8382/1631
Instrument	2024098135

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 13, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Oct 28, 2019
Property Address	10176 SW 38TH AVE, OCALA, FL 34476-9536
Document Number	0070661194
Book / Page	007066 / 001194
Instrument Date	Oct 25, 2019
Instrument	112858
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 26, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,539.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10176 SW 38TH AVE OCALA FL 34476, OCALA, FL 34476

Mortgage

Document Number	70661196
Date	Oct 28, 2019
Book Page	007066/001196
Instrument	112859

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10176 SW 38th Ave was $3,668 with a homeowner's exemption.

Source: Marion County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Marion County
Unified School District	Marion County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,668.00 Homeowner's exemption	$238,428 Land $48,500 Building $189,928	$323,051 Land $48,500 Building $274,551
2023	$3,145.00 (+4.69%) Homeowner's exemption	$213,859 (+4.87%) Land $42,500 Building $171,359	$308,025 (+6.58%) Land $42,500 Building $265,525
2022	$3,004.00 Homeowner's exemption	$203,934	$288,998 Land $28,700 Building $260,298

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10176 SW 38th Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 10176 SW 38th Ave is moderate, ranking above 65% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRUCE CREEK NORTH private · serves 7,467 people · EPA ID FL6424652
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	5 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable · Fiber in parts of the area	1,000 / 50

May also be available: CenturyLink, Hotwire Communications, Spectrum, Verizon.

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