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

Marion County property record for 636 SE 45th Ter, Ocala, FL 34471

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,723 sqft · built 1982
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$146,000 (Jul 1993)
Tax Bill	$3,584 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2779-006-011`

Property Details

APN / Parcel Number

Primary APN	`2779-006-011`
Alternative APN	`0656909000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,723 sqft Living Area
1st Floor Area	2,723 sqft
2nd Floor Area	320 sqft
Upper Floors Area	320 sqft
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 2009
Exterior Material	Wood Shingle
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Lot Dimensions	193 ft deep x 142 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Open Porch
Porch Area	45 sqft
Deck Area	126 sqft
Patio Area	250 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central
Heating Fuel	Gas
Water Source	Well

Location & Zoning

Account Number	0656909000
Old Parcel Number	2779006011
Street Address	636 SE 45TH TER
City	OCALA
State	FL
Zip	34471-3219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SEC 14 TWP 15 RGE 22
Legal Range	22E
Legal Township	15S
Legal Section	14
Legal Subdivision	STONEWOOD ESTATES
Legal Block	F
Legal Lot Number	11
Jurisdiction	MARION FL
Township / Civil Division	OCALA
Census Block Group	2
Census Block	2003
Census Tract	2202

Owner

636 SE 45th Ter is owned and occupied by two individuals who bought it in July 1993.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	636 SE 45TH TER, OCALA, FL 34471-3219
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
Jan 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAMPUS USA CU
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAMPUS USA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1993 · Amount on File
Deed Sale	Jul 1, 1993 · Amount on File
Deed Document Number	0001942295
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	636 SE 45TH TER, OCALA, FL 34471-3219
Transaction Type	Mortgage
Record Updated	Feb 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 SE 45TH TER, OCALA, FL 34471-3219

Mortgage

Document Number	0088091594
Date	Jan 20, 2026
Book Page	8809/1594
Instrument	2026007043

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	NEWBERRY, FL 32669

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2041

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARION FL
Property Address	636 SE 45TH TER, OCALA, FL 34471-3219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 SE 45TH TER, OCALA, FL 34471-3219

Mortgage

Document Number	0072990341
Date	Oct 23, 2020
Book Page	7299/341
Instrument	2020113848

Lender

Name	CAMPUS USA CU
Type	Credit Union
Address	NEWBERRY, FL 32669

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	97 Months
Due	Nov 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 636 SE 45th Ter was $3,584 with a homeowner's exemption.

Source: Marion County assessment roll, as of July 1, 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	$3,584.00 Homeowner's exemption	$223,967 Land $58,497 Building $165,470	$409,674 Land $58,497 Building $351,177
2023	$3,441.00 (+9.34%) Homeowner's exemption	$211,316 (+3%) Land $60,776 Building $150,540	$372,285 (+5.69%) Land $60,776 Building $311,509
2022	$3,147.00 Homeowner's exemption	$205,161	$352,255 Land $60,776 Building $291,479

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

Flood

FEMA maps place 636 SE 45th Ter 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
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 636 SE 45th Ter is low, with a 0.03% 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	0.03% 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 243 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
Cox Communications Cable	2,000 / 100
Central Florida Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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