3400 SE 45th St, Ocala, FL 34480 Property Records

Marion County property record for 3400 SE 45th St, Ocala, FL 34480

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,673 sqft · built 1982
Lot Size	2.23 acres (97,139 sqft)
Owner	Company Name on Record
Last Sale	$240,000 (Apr 2025)
Tax Bill	$3,231 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2025 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`31310-005-00`

Property Details

APN / Parcel Number

Primary APN	`31310-005-00`
Alternative APNs	`0718025000` `718025`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,673 sqft Living Area
Gross Area	4,261 sqft
1st Floor Area	2,673 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Modern
Exterior Material	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Fiberglass
Lot Area	97,139 sqft (2.23 acres)
Lot Dimensions	853 ft deep x 362 ft wide
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Deck Area	580 sqft
Patio Area	923 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3400 SE 45TH ST
City	OCALA
State	FL
Zip	34480-9311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A3
Legal Description	SEC 34 TWP 15 RGE 22 PLAT BOOK 002 PAGE 102 OAK CENTRE LOT 5
Legal Range	22E
Legal Township	15S
Legal Section	34
Legal Subdivision	OAK CENTRE
Legal Lot Number	5
Jurisdiction	MARION FL
Township / Civil Division	OCALA
Census Block Group	1
Census Block	1013
Census Tract	2302

Owner

Source: Marion County records, as of March 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1828 GRAND RIDGE ST, SEBRING, FL 33870-2422
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Deed of Trust, Mortgage · Commercial Mortgage CHAMPIONS FUNDING LLC
Apr 21, 2025	Warranty Deed, Construction Loan · Construction Mortgage LOAN FUNDER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2025 · Amount on Record
Deed Sale	Apr 21, 2025 · Amount on Record
Deed Document Number	202551440
Deed Book / Page	8589 / 774
Prior Transfer Date	Nov 20, 2008
Prior Transfer Doc	0051241864
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	3400 SE 45TH ST, OCALA, FL 34480-9311
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 GRAND RIDGE ST, SEBRING, FL 33870-2422

Mortgage

Document Number	0088530293
Date	Mar 13, 2026
Book Page	8853/293
Instrument	2026032152

Lender

Name	CHAMPIONS FUNDING LLC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Apr 21, 2025
Property Address	3400 SE 45TH ST, OCALA, FL 34480-9311
Document Number	0085890774
Book / Page	8589 / 774
Map Reference	MB 2 PG 102
Instrument Date	Apr 16, 2025
Instrument	2025051440
Transaction Type	Construction Loan
Record Updated	Jan 5, 2026
Title Company	CLOSELINE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3400 SE 45TH ST, OCALA, FL 34480-9311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 GRAND RIDGE ST # 33870, 33870, SEBRING, FL 33870-2422

Mortgage

Document Number	0008589777
Date	Apr 21, 2025
Instrument	8589/777

Lender

Name	LOAN FUNDER LLC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 16, 2026

Tax Assessment & Valuation

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	$3,231.00 (+19.45%)	$183,823 (+5.99%)	$399,379 (+13.37%) Land $89,240 Building $310,139
2023	$2,705.00 (+2.58%) Homeowner's exemption	$173,439 (+3%) Land $67,900 Building $105,539	$352,266 (+13.79%) Land $67,900 Building $284,366
2022	$2,637.00 Homeowner's exemption	$168,387	$309,563 Land $67,900 Building $241,663

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

Flood

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 10 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
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

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

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100

Cell Coverage

5G and 4G LTE (outdoors only)

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