1108 SE 45th St, Ocala, FL 34480 Property Records

Marion County property record for 1108 SE 45th St, Ocala, FL 34480

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,151 sqft · built 2019
Lot Size	0.569 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Nov 2017)
Tax Bill	$14,274 (2025)
Deeds & Mortgages	Oct 2019 Loan Modification Nov 2017 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`30598-05-040`

Property Details

APN / Parcel Number

Primary APN	`30598-05-040`
Alternative APN	`3549520000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,151 sqft Living Area
1st Floor Area	3,151 sqft
Upper Floors Area	91 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Brick
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	24,829 sqft (0.569 acres)
Lot Dimensions	191 ft deep x 130 ft wide
Garage Area	908 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	2,057 sqft
Porch	Open Porch
Porch Area	330 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	3549520000
Street Address	1108 SE 45TH ST
City	OCALA
State	FL
Zip	34480-4713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD01;PD01
Legal Description	SEC 32 TWP 15 RGE 22 PLAT BOOK 10 PAGE 009 CEDARS AT BELLECHASE LOT 40
Legal Range	22E
Legal Township	15S
Legal Section	32
Legal Subdivision	BELLECHASE CEDARS
Legal Lot Number	40
Jurisdiction	MARION FL
Township / Civil Division	OCALA
Census Block Group	3
Census Block	3057
Census Tract	2402

Owner

1108 SE 45th St is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1108 SE 45TH ST, OCALA, FL 34480-4713
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
Oct 21, 2019	Loan Modification, Mortgage CAMPUS USA CU
Nov 15, 2017	Warranty Deed, Subdivision Related Transfer · Construction Mortgage CAMPUS USA CU
May 2, 2017	Loan Modification, Mortgage · Line of Credit GATEWAY BK/CTRL FL
Feb 17, 2017	Warranty Deed, Transfer MARION LAKE SUMTER TITLE LLC
Feb 16, 2017	Loan Modification, Mortgage · Line of Credit GATEWAY BK/CTRL FL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2017 · Amount on File
Deed Sale	Nov 15, 2017 · Amount on File
Prior Sale	Feb 17, 2017 · Amount on File
Deed Document Number	2017103388
Deed Book / Page	6671 / 0263
Record Updated	Jun 8, 2026

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARION FL
Property Address	1108 SE 45TH ST, OCALA, FL 34480-4713
Document Number	0070641506
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	Nov 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070641506
Date	Oct 24, 2019
Book Page	007064/001506
Instrument	111737

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	JONESVILLE, FL 32669

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2049

Interest

Rate	4%

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Nov 15, 2017
Property Address	1108 SE 45TH ST, OCALA, FL 34480-4713
Document Number	0066710263
Book / Page	006671 / 000263
Instrument Date	Nov 15, 2017
Instrument	103388
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5101 SW 60TH STREET RD #501 OCALA FL 344745791, 501, OCALA, FL 34474-5791

Mortgage

Document Number	66710265
Date	Nov 15, 2017
Book Page	006671/000265
Instrument	103389

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	JONESVILLE, FL 32669

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARION FL
Property Address	1108 SE 45TH ST, OCALA, FL 34480-4713
Document Number	0065720929
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1720 SE 16TH AVE #200 OCALA FL 344714620, 200, OCALA, FL 34471-4620

Mortgage

Document Number	0065720929
Date	May 3, 2017
Book Page	006572/000929
Instrument	40156

Lender

Name	GATEWAY BK/CTRL FL
Type	Bank
Address	OCALA, FL 34475

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Feb 17, 2017
Property Address	1108 SE 45TH ST, OCALA, FL 34480-4713
Document Number	0065331661
Book / Page	006533 / 001661
Instrument Date	Feb 16, 2017
Instrument	15279
Transaction Type	Transfer
Record Updated	Mar 22, 2017
Title Company	MARION LAKE SUMTER TITLE LLC

Transaction

Amount	Amount on Record
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1720 SE 16TH AVE #200 OCALA FL 344714620, 200, OCALA, FL 34471-4620

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARION FL
Property Address	1108 SE 45TH ST, OCALA, FL 34480-4713
Document Number	0065331662
Instrument Date	Feb 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1720 SE 16TH AVE #200 OCALA FL 344714620, 200, OCALA, FL 34471-4620

Mortgage

Document Number	0065331662
Date	Feb 17, 2017
Book Page	006533/001662
Instrument	15280

Lender

Name	GATEWAY BK/CTRL FL
Type	Bank
Address	OCALA, FL 34475

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1108 SE 45th St was $14,274.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,274.00	$787,386 Land $105,000 Building $682,386	$839,323 Land $105,000 Building $734,323
2023	$12,542.00 (+17.56%)	$650,732 (+1%) Land $80,000 Building $570,732	$757,007 (+27.96%) Land $80,000 Building $677,007
2022	$10,669.00	$591,575 Land $70,000 Building $521,575	$591,575 Land $70,000 Building $521,575

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

Flood

FEMA maps place 1108 SE 45th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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
Flood Insurance Cost	Premium on File median of 31 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	4 (2017–2023)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 2023 · rainfall accumulation

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 1108 SE 45th St is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% 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	OCALA, CITY OF (2 WTPS) serves 66,449 people · EPA ID FL3420922
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ocala Fiber Network.

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