Marion County property record for 228 Locust Ln, Ocala, FL 34472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,784 sqft · built 2007 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $89,300 (Nov 2013) |
| Tax Bill | $1,615 (2025) |
| Deeds & Mortgages | Oct 2024 Mortgage Dec 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 9032-0869-19 |
| Primary APN | 9032-0869-19 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,784 sqft Living Area |
| Gross Area | 2,640 sqft |
| 1st Floor Area | 1,784 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Modern |
| Exterior Material | Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 125 ft deep x 92 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Screened Porch |
| Porch Area | 372 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 228 LOCUST LN |
|---|---|
| City | OCALA |
| State | FL |
| Zip | 34472-6418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEC 24 TWP 16 RGE 23 PLAT BOOK J PAGE 276 SILVER SPRINGS SHORES UNIT 32 BLK 869 LOT 19 |
| Legal Range | 23E |
| Legal Township | 16S |
| Legal Section | 24 |
| Legal Subdivision | SILVER SPRINGS SHORES |
| Legal Block | 869 |
| Legal Lot Number | 19 |
| Jurisdiction | MARION FL |
| Township / Civil Division | OCALA |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 1206 |
Source: Marion County records, as of June 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 | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Oct 1, 2024 | Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND |
| Dec 13, 2024 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Oct 1, 2024 | Intrafamily Transfer, Transfer THIRD CAPITAL TITLE AGENCY |
| Sep 12, 2019 | Deed of Trust, Mortgage · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND |
| Jul 12, 2018 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 31, 2017 | Quit Claim Deed, Transfer · FHA Mortgage IFREEDOM DIRECT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2013 · Amount on Record |
| Deed Sale | Nov 27, 2013 · Amount on Record |
| Prior Sale | Apr 13, 2006 · Amount on Record |
| Deed Document Number | 2013121583 |
| Deed Book / Page | 5963 / 865 |
| Last Transfer Date | Sep 13, 2024 |
| Transfer Doc | 0000129768 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Number | 0084351190 |
|---|---|
| Date | Oct 1, 2024 |
| Book Page | 8435/1190 |
| Instrument | 2024129769 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.04% |
| Type Change Date | Oct 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5.04% |
| Max Rate At Change | 9.04% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Number | 0084921934 |
|---|---|
| Date | Dec 13, 2024 |
| Book Page | 8492/1934 |
| Instrument | 2024163765 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Jan 1, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MARION FL |
| Recording Date | Oct 1, 2024 |
| Property Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Number | 0084351188 |
| Book / Page | 8435 / 1188 |
| Map Reference | MB J PG 276-285 |
| Instrument Date | Sep 13, 2024 |
| Instrument | 2024129768 |
| Transaction Type | Transfer |
| Record Updated | Dec 25, 2025 |
| Title Company | THIRD CAPITAL TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1835 SW 34TH CT, OCALA, FL 34474-2836 |
| Name | Verified Name |
|---|---|
| Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Number | 0070420348 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 228 LOCUST LN OCALA FL 344726418, OCALA, FL 34472-6418 |
| Document Number | 0070420348 |
|---|---|
| Date | Sep 17, 2019 |
| Book Page | 007042/000348 |
| Instrument | 97311 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Number | 0068310448 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 228 LOCUST LN OCALA FL 344726418, OCALA, FL 34472-6418 |
| Document Number | 0068310448 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 006831/000448 |
| Instrument | 88706 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 10, 2058 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MARION FL |
| Recording Date | Mar 31, 2017 |
| Property Address | 228 LOCUST LN, OCALA, FL 34472-6418 |
| Document Number | 0065550532 |
| Book / Page | 006555 / 000532 |
| Instrument Date | Mar 25, 2017 |
| Instrument | 29143 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2017 |
| Title Company | LIBERTY TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 228 LOCUST LN OCALA FL 344726418, OCALA, FL 34472-6418 |
| Document Number | 65550535 |
|---|---|
| Date | Mar 31, 2017 |
| Book Page | 006555/000535 |
| Instrument | 29144 |
| Name | IFREEDOM DIRECT |
|---|---|
| Address | SALT LAKE CITY, UT 84116 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 30, 2047 |
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 | $1,615.00 (+20.61%) | $108,652 (+5.99%) | $233,939 (+3.89%) Land $19,500 Building $214,439 |
| 2023 | $1,339.00 (+3.16%) Homeowner's exemption | $102,515 (+3%) Land $15,000 Building $87,515 | $225,189 (+11.24%) Land $15,000 Building $210,189 |
| 2022 | $1,298.00 Homeowner's exemption | $99,529 | $202,428 Land $13,000 Building $189,428 |
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 |
| Flood Insurance Cost | Premium on Record median of 30 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 30 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 | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Spectrum Fiber | 1,000 / 1,000 |
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