10649 SW 38th Ave, Ocala, FL 34476 Property Records

Marion County property record for 10649 SW 38th Ave, Ocala, FL 34476

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,428 sqft · built 2001
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Mar 2022)
Tax Bill	$3,290 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3578-007-008`

Property Details

APN / Parcel Number

Primary APN	`3578-007-008`
Alternative APNs	`0891240000` `891240`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,428 sqft Living Area
Gross Area	3,937 sqft
1st Floor Area	2,428 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Modern
Exterior Material	Concrete Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	40,075 sqft (0.92 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	899 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Vinyl Porch
Porch Area	394 sqft
Patio Area	216 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10649 SW 38TH AVE
City	OCALA
State	FL
Zip	34476-5216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 27 TWP 16 RGE 21 PLAT BOOK K PAGE 052 OCALA WATERWAY ESTATES BLK 7 LOTS 8.9
Legal Range	21E
Legal Township	16S
Legal Section	27
Legal Subdivision	OCALA WATERWAY ESTATE
Legal Block	7
Legal Lot Number	8
Jurisdiction	MARION FL
Township / Civil Division	BELLEVIEW
Census Block Group	4
Census Block	4000
Census Tract	1005

Owner

10649 SW 38th Ave is owned and occupied by two individuals who bought it in March 2022.

Source: Marion County records, as of December 29, 2025

Owner of Record	2 Individual Names on File
Mailing Address	10649 SW 38TH AVE, OCALA, FL 34476-5216
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 11, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 14, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2022 · Amount on File
Deed Sale	Mar 14, 2022 · Amount on File
Deed Document Number	202236386
Deed Book / Page	7723 / 1189
Prior Transfer Date	Nov 28, 2006
Prior Transfer Doc	0046471183
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	10649 SW 38TH AVE, OCALA, FL 34476-5216
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10649 SW 38TH AVE, OCALA, FL 34476-5216

Mortgage

Document Number	0080941276
Date	Jul 11, 2023
Book Page	8094/1276
Instrument	2023087372

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 29, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Mar 14, 2022
Property Address	10649 SW 38TH AVE, OCALA, FL 34476-5216
Document Number	0077231189
Book / Page	7723 / 1189
Map Reference	MB K PG 52-52K
Instrument Date	Mar 10, 2022
Instrument	2022036386
Transaction Type	Transfer
Record Updated	Feb 14, 2023
Title Company	SIGNATURE ESCROW SERVICES LLC, SIGNATURE T&E SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20228 W CLARK AVE, GALESVILLE, WI 54630-8014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10649 SW 38TH AVE, OCALA, FL 34476-5216

Mortgage

Document Number	0077231191
Date	Mar 14, 2022
Instrument	7723/1191

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 10649 SW 38th Ave was $3,290 with a homeowner's exemption.

Source: Marion County assessment roll, as of December 29, 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	$3,290.00 Homeowner's exemption	$207,969	$380,994 Land $97,000 Building $283,994
2023	$2,967.00 (-50.52%) Homeowner's exemption	$196,221 (-43.39%) Land $85,000 Building $111,221	$377,284 (+8.85%) Land $85,000 Building $292,284
2022	$5,996.00	$346,610 Land $57,400 Building $289,210	$346,610 Land $57,400 Building $289,210

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

Flood

FEMA maps place 10649 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	8 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 10649 SW 38th Ave is moderate, ranking above 55% 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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 79 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: Verizon.

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