405 SE 45th Ter, Ocala, FL 34471 Property Records

Marion County property record for 405 SE 45th Ter, Ocala, FL 34471

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,236 sqft · built 1981
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$233,200 (Jul 2018)
Tax Bill	$8,399 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2779-002-012`

Property Details

APN / Parcel Number

Primary APN	`2779-002-012`
Alternative APNs	`0656437000` `656437`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,236 sqft Living Area
Gross Area	4,854 sqft
1st Floor Area	2,232 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Intercom	Intercom

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	24,829 sqft (0.57 acres)
Lot Dimensions	163 ft deep x 151 ft wide
Garage Type	Attached
Garage Area	1,044 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Screened Porch
Porch Area	574 sqft
Deck Area	432 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	405 SE 45TH TER
City	OCALA
State	FL
Zip	34471-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 14 TWP 15 RGE 22 PLAT BOOK S PAGE 023 STONEWOOD ESTATES BLK B LOT 12 EXC BEGIN AT THE SE COR OF LOT 12 BLK B SAID COR ALSO BEING THE NW COR OF E 1/2 OF SE 1/4 OF SE 1/4 OF SEC 14 TH N 16-06-59 E 60 FT TH N 67-53-50 W 78.25 FT TH S 33-54-58 E 101.
Legal Range	22E
Legal Township	15S
Legal Section	14
Legal Subdivision	STONEWOOD ESTATE
Legal Block	B
Legal Lot Number	12
Jurisdiction	MARION FL
Township / Civil Division	OCALA
Census Block Group	2
Census Block	2001
Census Tract	2202

Owner

405 SE 45th Ter is owned and occupied by two individuals who bought it in July 2018.

Source: Marion County records, as of December 29, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	405 SE 45TH TER, OCALA, FL 34471-3222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 30, 2018	Warranty Deed, Transfer · FHA Mortgage PRIME MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on File
Deed Sale	Jul 30, 2018 · Amount on File
Prior Sale	Oct 17, 2013 · Amount on File
Deed Document Number	201813
Deed Book / Page	6807 / 59
Prior Transfer Date	Jul 11, 2013
Prior Transfer Doc	0059431092
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	405 SE 45TH TER, OCALA, FL 34471-3222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072511621
Date	Aug 20, 2020
Book Page	7251/1621
Instrument	2020086301

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Sep 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Jul 30, 2018
Property Address	405 SE 45TH TER, OCALA, FL 34471-3222
Document Number	0068070059
Book / Page	6807 / 0059
Map Reference	MB S PG23&24
Instrument Date	Jul 27, 2018
Instrument	2018073013
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	FREEDOM TITLE & ESCROW CO LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3105 RIVERDALE RD, 3105, THE VILLAGES, FL 32162-7606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SE 45TH TER, OCALA, FL 34471-3222

Mortgage

Document Number	2018073014
Date	Jul 30, 2018
Instrument	2018073014

Lender

Name	PRIME MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 405 SE 45th Ter was $8,399 with a homeowner's exemption.

Source: Marion County assessment roll, as of December 29, 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	$8,399.00 Homeowner's exemption	$296,356	$450,247 Land $59,879 Building $390,368
2023	$8,173.00 (+4.02%) Homeowner's exemption	$277,120 (+3%) Land $62,212 Building $214,908	$417,867 (+21.59%) Land $62,212 Building $355,655
2022	$7,857.00 Homeowner's exemption	$269,049	$343,683 Land $62,212 Building $281,471

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

Flood

FEMA maps place 405 SE 45th Ter in Zone X, an area of minimal flood risk.

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 32 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	32 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.

Wildfire

Wildfire risk around 405 SE 45th Ter is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Metronet Fiber	5,120 / 5,120
CenturyLink Fiber	3,000 / 3,000
Cox Communications Cable	2,000 / 100

May also be available: Central Florida Broadband, Ocala Fiber Network.

Cell Coverage

5G (outdoors only) and 4G LTE

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