Marion County property record for 12 Spruce Ter, Ocala, FL 34472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 2009 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $249,000 (Jul 2022) |
| Tax Bill | $2,614 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9013-0140-05 |
| Primary APN | 9013-0140-05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 202 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1373531000 |
|---|---|
| Old Parcel Number | 9013014005 |
| Street Address | 12 SPRUCE TER |
| City | OCALA |
| State | FL |
| Zip | 34472-5503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEC 22 TWP 16 RGE 23 |
| Legal Range | 23E |
| Legal Township | 16S |
| Legal Section | 22 |
| Legal Subdivision | SILVER SPRINGS SHORES |
| Legal Block | 140 |
| Legal Lot Number | 5 |
| Jurisdiction | MARION FL |
| Township / Civil Division | BELLEVIEW |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 1103 |
Source: Marion County records, as of January 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12 SPRUCE TER, OCALA, FL 34472-5503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jul 15, 2022 | Warranty Deed, Transfer · FHA Mortgage KEYSTONE FUNDING INC |
| Oct 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2022 · Amount on Record |
| Deed Sale | Jul 15, 2022 · Amount on Record |
| Prior Sale | Apr 21, 2015 · Amount on Record |
| Deed Document Number | 2022104138 |
| Deed Book / Page | 7831 / 1573 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 12 SPRUCE TER, OCALA, FL 34472-5503 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12 SPRUCE TER, OCALA, FL 34472-5503 |
| Document Number | 0081631831 |
|---|---|
| Date | Oct 6, 2023 |
| Book Page | 8163/1831 |
| Instrument | 2023129635 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Nov 1, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARION FL |
| Recording Date | Jul 15, 2022 |
| Property Address | 12 SPRUCE TER, OCALA, FL 34472-5503 |
| Document Number | 0078311573 |
| Book / Page | 7831 / 1573 |
| Map Reference | MB J PG 74-82 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022104138 |
| Transaction Type | Transfer |
| Record Updated | Aug 2, 2022 |
| Title Company | OCALA LAND TITLE INSURANCE AGENCY LIMITED, OCALA LAND TTL INS AGCY LTD |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,743.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 831724, OCALA, FL 34483-1724 |
| Name | Verified Name |
|---|---|
| Address | 12 SPRUCE TER, OCALA, FL 34472-5503 |
| Document Number | 0078311575 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 7831/1575 |
| Name | KEYSTONE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 12 SPRUCE TER, OCALA, FL 34472-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070530102 |
|---|---|
| Date | Oct 3, 2019 |
| Book Page | 7053/0102 |
| Instrument | 2019104200 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Sep 3, 2029 |
Source: Marion County assessment roll, as of July 1, 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 | $2,614.00 (-16.7%) Homeowner's exemption | $173,709 (-1.9%) Land $23,000 Building $150,709 | $173,709 (-1.9%) Land $23,000 Building $150,709 |
| 2023 | $3,138.00 (+217.93%) | $177,082 (+120.22%) Land $18,000 Building $159,082 | $177,082 (+11.89%) Land $18,000 Building $159,082 |
| 2022 | $987.00 Homeowner's exemption Disabled Person's exemption | $80,411 | $158,269 Land $14,000 Building $144,269 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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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