405 Water Rd, Ocala, FL 34472 Property Records

Marion County property record for 405 Water Rd, Ocala, FL 34472

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 2021
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Jun 2021)
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`9016-0222-13`

Property Details

APN / Parcel Number

Primary APN	`9016-0222-13`
Alternative APN	`1380928000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Combination
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Patio Area	100 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	1380928000
Old Parcel Number	9016022213
Street Address	405 WATER RD
City	OCALA
State	FL
Zip	34472-8242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 17 TWP 16 RGE 23
Legal Range	23E
Legal Township	16S
Legal Section	17
Legal Subdivision	SILVER SPRINGS SHORES
Legal Block	222
Legal Lot Number	13
Jurisdiction	MARION FL
Township / Civil Division	OCALA
Census Block Group	1
Census Block	1032
Census Tract	1204

Owner

405 Water Rd is owned and occupied by an individual who bought it in June 2021.

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

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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	405 WATER RD, OCALA, FL 34472-8242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Warranty Deed, Transfer · Conventional Mortgage QRL FINANCIAL SERVICES
Sep 22, 2020	Grant Deed, Construction Loan · Construction Mortgage SHEPHERDS FINANCE LLC SHEPHERDS FINANCE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2021 · Amount on File
Deed Sale	Jun 9, 2021 · Amount on File
Prior Sale	Jan 12, 2010 · Amount on File
Deed Document Number	2021078154
Deed Book / Page	7485 / 978
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Jun 9, 2021
Property Address	405 WATER RD, OCALA, FL 34472-8242
Document Number	0074850978
Book / Page	7485 / 978
Map Reference	MB J PG 128-134
Instrument Date	May 27, 2021
Instrument	2021078154
Transaction Type	Transfer
Record Updated	Jul 29, 2022
Title Company	AFFILIATED TITLE/CTRL FL, AFFILIATED TTL OF CTRL FL LT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15352 SE 103RD STREET RD, 15352, OCKLAWAHA, FL 32179-4205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 830604, OCALA, FL 34483-0604

Mortgage

Document Number	0007485980
Date	Jun 9, 2021
Instrument	7485/980

Lender

Name	QRL FINANCIAL SERVICES
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

September 2020: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MARION FL
Recording Date	Sep 22, 2020
Property Address	405 WATER RD, OCALA, FL 34472-8242
Document Number	0072741813
Book / Page	007274 / 001813
Instrument Date	Sep 11, 2020
Instrument	99598
Transaction Type	Construction Loan
Record Updated	Oct 20, 2020
Title Company	AFFILIATED TITLE/CTRL FL

Transaction

Amount	Amount on Record
Tax	$168.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15352 SE 103RD STREET RD OCKLAWAHA FL 321794205, OCKLAWAHA, FL 32179-4205
Investor	Possibly a Property Investor

Mortgage

Document Number	72750284
Date	Sep 22, 2020
Book Page	007275/000284
Instrument	99710

Lender

Name	SHEPHERDS FINANCE LLC SHEPHERDS FINANCE LLC
Type	Bank
Address	JACKSONVILLE, FL 32258

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Mortgage

Document Number	72750388,
Date	Sep 22, 2020
Book Page	007275/000388
Instrument	99736

Lender

Type	Bank
Address	JACKSONVILLE, FL 32258

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 405 Water Rd was $2,117 with a homeowner's exemption.

Source: Marion County assessment roll, as of July 1, 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	$2,117.00 Homeowner's exemption	$141,347 Land $23,000 Building $118,347	$160,418 Land $23,000 Building $137,418
2023	$1,824.00 (+2.93%) Homeowner's exemption	$133,362 (+3%) Land $19,000 Building $114,362	$162,648 (+11.44%) Land $19,000 Building $143,648
2022	$1,772.00 Homeowner's exemption	$129,478	$145,950 Land $17,000 Building $128,950

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

Flood

FEMA maps place 405 Water Rd 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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 Water Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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