Marion County property record for 481 Water Way, Ocala, FL 34472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,563 sqft · built 1974 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Apr 2021) |
| Tax Bill | $2,400 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 9047-1528-04 |
| Primary APN | 9047-1528-04 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,563 sqft Living Area |
| Gross Area | 1,966 sqft |
| 1st Floor Area | 1,563 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Modern |
| Exterior Material | Concrete Block |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Fiberglass |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 143 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 338 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 65 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 481 WATER WAY |
|---|---|
| City | OCALA |
| State | FL |
| Zip | 34472-2927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEC 16 TWP 16 RGE 23 PLAT BOOK J PAGE 339 SILVER SPRINGS SHORES UNIT NO 47 BLK 1528 LOT 4 |
| Legal Range | 23E |
| Legal Township | 16S |
| Legal Section | 16 |
| Legal Subdivision | SILVER SPRINGS SHORES |
| Legal Block | 1528 |
| Legal Lot Number | 4 |
| Jurisdiction | MARION FL |
| Township / Civil Division | OCALA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 1204 |
481 Water Way is owned and occupied by two individuals who bought it in April 2021.
Source: Marion County records, as of April 8, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 481 WATER WAY, OCALA, FL 34472-2927 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Apr 26, 2021 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on File |
| Deed Sale | Apr 26, 2021 · Amount on File |
| Deed Document Number | 202154287 |
| Deed Book / Page | 7444 / 1254 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 481 WATER WAY, OCALA, FL 34472-2927 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 481 WATER WAY, OCALA, FL 34472-2927 |
| Document Number | 0088590214 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | 8859/214 |
| Instrument | 2026035549 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARION FL |
| Recording Date | Apr 26, 2021 |
| Property Address | 481 WATER WAY, OCALA, FL 34472-2927 |
| Document Number | 0074441254 |
| Book / Page | 7444 / 1254 |
| Map Reference | MB J PG 339-341 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 2021054287 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2026 |
| Title Company | AFFILIATED TITLE/CTRL FL, AFFILIATED TTL OF CTRL FL LT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1084 CHIMNEY RD, RINCON, GA 31326-5529 |
| Name | Verified Name |
|---|---|
| Address | 481 WATER WAY, OCALA, FL 34472-2927 |
| Document Number | 0074441256 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 7444/1256 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 481 Water Way was $2,400 with a homeowner's exemption.
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 | $2,400.00 Homeowner's exemption | $141,946 | $166,100 Land $27,000 Building $139,100 |
| 2023 | $2,085.00 (+3.22%) Homeowner's exemption | $133,928 (+3%) Land $19,000 Building $114,928 | $176,752 (+26%) Land $19,000 Building $157,752 |
| 2022 | $2,020.00 Homeowner's exemption | $130,027 | $140,276 Land $14,000 Building $126,276 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 481 Water Way 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 risk around 481 Water Way 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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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