628 SE 12th St, Ocala, FL 34471 Property Records

Marion County property record for 628 SE 12th St, Ocala, FL 34471

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,178 sqft · built 1998
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$122,000 (Sep 2016)
Tax Bill	$1,396 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Oct 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2914-004-000`

Property Details

APN / Parcel Number

Primary APN	`2914-004-000`
Alternative APNs	`1253497000` `1253497`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,178 sqft Living Area
Gross Area	2,019 sqft
1st Floor Area	1,178 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Modern
Exterior Material	Other
Foundation Type	Block
Roof Type	Hip
Roof Material	Fiberglass
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	160 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Deck Area	480 sqft
Patio Area	480 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	628 SE 12TH ST
City	OCALA
State	FL
Zip	34471-3732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	SEC 20 TWP 15 RGE 22 PLAT BOOK B PAGE 242 VIRGINIA TERRACE LOT 4 EXC W 70 FT
Legal Range	22E
Legal Township	15S
Legal Section	20
Legal Subdivision	VIRGINIA TERRACE
Legal Lot Number	4
Jurisdiction	MARION FL
Township / Civil Division	OCALA
Census Block Group	3
Census Block	3023
Census Tract	1900

Owner

628 SE 12th St is owned and occupied by two individuals who bought it in September 2016.

Source: Marion County records, as of July 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	628 SE 12TH ST, OCALA, FL 34471-3732
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
Mar 24, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage MIDFIRST BANK
Oct 23, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Nov 21, 2018	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2016 · Amount on File
Deed Sale	Sep 28, 2016 · Amount on File
Deed Document Number	201690560
Deed Book / Page	6462 / 623
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	628 SE 12TH ST, OCALA, FL 34471-3732
Transaction Type	Mortgage
Record Updated	Apr 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 SE 12TH ST, OCALA, FL 34471-3732

Mortgage

Document Number	0088601513
Date	Mar 24, 2026
Book Page	8860/1513
Instrument	2026036473

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	480 Months
Due	Mar 1, 2066

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	628 SE 12TH ST, OCALA, FL 34471-3732
Transaction Type	Mortgage
Record Updated	Nov 10, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 SE 12TH ST, OCALA, FL 34471-3732

Mortgage

Document Number	0081760892
Date	Oct 23, 2023
Book Page	8176/892
Instrument	2023137647

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2053

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	628 SE 12TH ST, OCALA, FL 34471-3732
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 SE 12TH ST, OCALA, FL 34471-3732

Mortgage

Document Number	0075551239
Date	Aug 31, 2021
Book Page	7555/1239
Instrument	2021119368

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MARION FL
Property Address	628 SE 12TH ST, OCALA, FL 34471-3732
Document Number	0068880452
Instrument Date	Nov 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 3, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 SE 12TH ST OCALA FL 344713732, OCALA, FL 34471-3732

Mortgage

Document Number	0068880452
Date	Dec 21, 2018
Book Page	006888/000452
Instrument	125587

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	12 Months
Due	Dec 20, 2019

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 628 SE 12th St was $1,396 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	$1,396.00 Homeowner's exemption	$104,435	$249,017 Land $109,695 Building $139,322
2023	$1,324.00 (+16.14%) Homeowner's exemption	$98,536 (+3%) Land $43,878 Building $54,658	$201,257 (+8.46%) Land $43,878 Building $157,379
2022	$1,140.00 Homeowner's exemption	$95,666	$185,554 Land $43,878 Building $141,676

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

Flood

FEMA maps place 628 SE 12th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	9 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 628 SE 12th St 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 94% 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.

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

Provider	Max Down / Up (Mbps)
Wire 3 Fiber	10,000 / 10,000
Cox Communications Cable · Fiber in parts of the area	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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