Marion County property record for 11 Spruce Ter, Ocala, FL 34472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,341 sqft · built 2007 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Jul 2021) |
| Tax Bill | $2,746 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9013-0141-16 |
| Primary APN | 9013-0141-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,341 sqft Living Area |
| Gross Area | 1,818 sqft |
| 1st Floor Area | 1,341 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Modern |
| Exterior Material | Concrete Block |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 125 ft deep x 96 ft wide |
| Garage Type | Attached |
| Garage Area | 417 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 28 sqft |
| Patio Area | 32 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 11 SPRUCE TER |
|---|---|
| City | OCALA |
| State | FL |
| Zip | 34472-5505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEC 22 TWP 16 RGE 23 PLAT BOOK J PAGE 074 SILVER SPRINGS SHORES UNIT 13 BLK 141 LOT 16 |
| Legal Range | 23E |
| Legal Township | 16S |
| Legal Section | 22 |
| Legal Subdivision | SILVER SPRINGS SHORES |
| Legal Block | 141 |
| Legal Lot Number | 16 |
| Jurisdiction | MARION FL |
| Township / Civil Division | BELLEVIEW |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 1103 |
Source: Marion County records, as of April 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 11 SPRUCE TER, OCALA, FL 34472-5505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED MORTGAGE LENDING LLC |
| Jul 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 2021 · Amount on Record |
| Deed Sale | Jul 29, 2021 · Amount on Record |
| Prior Sale | Mar 22, 2010 · Amount on Record |
| Deed Document Number | 2021102817 |
| Deed Book / Page | 7528 / 5 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 11 SPRUCE TER, OCALA, FL 34472-5505 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Title Company | UNLS |
| Name | Verified Name |
|---|---|
| Address | 11 SPRUCE TER, OCALA, FL 34472-5505 |
| Document Number | 0088650521 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 8865/521 |
| Instrument | 2026038941 |
| Name | UNITED MORTGAGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48084 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARION FL |
| Recording Date | Jul 29, 2021 |
| Property Address | 11 SPRUCE TER, OCALA, FL 34472-5505 |
| Document Number | 0075280005 |
| Book / Page | 7528 / 5 |
| Map Reference | MB J PG 74 |
| Instrument Date | Jul 16, 2021 |
| Instrument | 2021102817 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2473 FIRSTLIGHT WAY, 2473, WINTER PARK, FL 32792-6100 |
| Name | Verified Name |
|---|---|
| Address | 11 SPRUCE TER, OCALA, FL 34472-5505 |
| Document Number | 75287 |
|---|---|
| Date | Jul 29, 2021 |
| Instrument | 7528/7 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Marion County assessment roll, as of December 29, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Marion County |
| Unified School District | Marion County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,746.00 (+12.13%) Homeowner's exemption | $182,291 (+5.35%) Land $23,000 Building $159,291 | $182,291 (-3.24%) Land $23,000 Building $159,291 |
| 2023 | $2,449.00 (+2.86%) Homeowner's exemption | $173,031 (+3%) Land $18,000 Building $155,031 | $188,404 (+12.15%) Land $18,000 Building $170,404 |
| 2022 | $2,381.00 Homeowner's exemption | $167,991 Land $14,000 Building $153,991 | $167,991 Land $14,000 Building $153,991 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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