4455 SW 109th St, Ocala, FL 34476 Property Records

Marion County property record for 4455 SW 109th St, Ocala, FL 34476

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,760 sqft · built 2018
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$172,800 (Jun 2018)
Tax Bill	$2,793 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3578-004-051`

Property Details

APN / Parcel Number

Primary APN	`3578-004-051`
Alternative APN	`0890600000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,760 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Exterior Material	Brick
Foundation Type	Pier/Post & Beam
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,344 sqft (0.489 acres)
Lot Dimensions	217 ft deep x 98 ft wide
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	206 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	0890600000
Old Parcel Number	3578004051
Street Address	4455 SW 109TH ST
City	OCALA
State	FL
Zip	34476-4377
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 27 TWP 16 RGE 21
Legal Range	21E
Legal Township	16S
Legal Section	27
Legal Subdivision	OCALA WATERWAY ESTATES
Legal Block	4
Legal Lot Number	51
Jurisdiction	MARION FL
Township / Civil Division	BELLEVIEW
Census Block Group	3
Census Block	3005
Census Tract	1009

Owner

4455 SW 109th St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	4455 SW 109TH ST, OCALA, FL 34476-4377
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDFLORIDA CU
Aug 28, 2017	Deed of Trust, Mortgage SYNOVUS BANK
Jun 14, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO
Jun 26, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2018 · Amount on File
Deed Sale	Jun 14, 2018 · Amount on File
Deed Document Number	2018057268
Deed Book / Page	6782 / 0647
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	4455 SW 109TH ST, OCALA, FL 34476-4377
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0087751065
Date	Dec 4, 2025
Book Page	8775/1065
Instrument	2025159705

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 15, 2030

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	4455 SW 109TH ST, OCALA, FL 34476-4377
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0066330800
Date	Aug 28, 2017
Book Page	6633/0800
Instrument	2017079018

Lender

Name	SYNOVUS BANK
Type	Bank
Address	COLUMBUS, GA 31902

Agreement

Amount	Amount on Record

June 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MARION FL
Recording Date	Jun 14, 2018
Property Address	4455 SW 109TH ST, OCALA, FL 34476-4377
Document Number	0067820647
Book / Page	6782 / 0647
Map Reference	MB K PG52-52K
Instrument Date	Jun 11, 2018
Instrument	2018057268
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 1, 2022
Title Company	PARAMOUNT TITLE

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3000 GULF BREEZE PKWY, 3000, GULF BREEZE, FL 32563-5623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4455 SW 109TH ST, OCALA, FL 34476-4377

Mortgage

Document Number	2018057269
Date	Jun 14, 2018
Instrument	2018057269

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARION FL
Recording Date	Jun 26, 2017
Property Address	4455 SW 109TH ST, OCALA, FL 34476-4377
Document Number	0066001194
Book / Page	006600 / 001194
Instrument Date	Jun 22, 2017
Instrument	58090
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Amount	Amount on Record
Tax	$191.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4455 SW 109th St was $2,793 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	$2,793.00 Homeowner's exemption	$182,086 Land $48,500 Building $133,586	$250,156 Land $48,500 Building $201,656
2023	$2,482.00 (+2.77%) Homeowner's exemption	$171,800 (+3%) Land $42,500 Building $129,300	$258,317 (+6.46%) Land $42,500 Building $215,817
2022	$2,415.00 Homeowner's exemption	$166,796	$242,650 Land $28,700 Building $213,950

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

Flood

FEMA maps place 4455 SW 109th St 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	2 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 4455 SW 109th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	SPRUCE CREEK NORTH private · serves 7,467 people · EPA ID FL6424652
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	5 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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Zito Media Cable · Fiber in parts of the area	1,000 / 50

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on SW 109th St

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