Marion County property record for 6978 SE 12th Cir, Ocala, FL 34480
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,179 sqft · built 1998 |
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Jul 2002) |
| Tax Bill | $6,031 (2025) |
| Deeds & Mortgages | Oct 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 3634-009-000 |
| Primary APN | 3634-009-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,179 sqft Living Area |
| Gross Area | 5,521 sqft |
| 1st Floor Area | 3,179 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Roof Type | Hip |
| Roof Material | Fiberglass |
| Lot Area | 43,124 sqft (0.99 acres) |
| Lot Dimensions | 253 ft deep x 170 ft wide |
| Garage Type | Attached |
| Garage Area | 702 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 1,250 sqft |
| Porch | Screened Porch |
| Porch Area | 390 sqft |
| Deck Area | 914 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 6978 SE 12TH CIR |
|---|---|
| City | OCALA |
| State | FL |
| Zip | 34480-6653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SEC 09 TWP 16 RGE 22 PLAT BOOK 002 PAGE 171 COUNTRY CLUB OF OCALA UNIT 1 LOT 9 |
| Legal Range | 22E |
| Legal Township | 16S |
| Legal Section | 9 |
| Legal Subdivision | COUNTRY CLUB OF OCALA |
| Legal Lot Number | 9 |
| Jurisdiction | MARION FL |
| Township / Civil Division | OCALA |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 2402 |
6978 SE 12th Cir is owned and occupied by two individuals who bought it in July 2002.
Source: Marion County records, as of August 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6978 SE 12TH CIR, OCALA, FL 34480-6653 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2002 · Amount on File |
| Deed Sale | Jul 22, 2002 · Amount on File |
| Deed Document Number | 200281536 |
| Deed Book / Page | 3204 / 388 |
| Record Updated | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MARION FL |
| Property Address | 6978 SE 12TH CIR, OCALA, FL 34480-6653 |
| Document Number | 0066671220 |
| Instrument Date | Oct 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 6978 SE 12TH CIR OCALA FL 344806653, OCALA, FL 34480-6653 |
| Document Number | 0066671220 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 006667/001220 |
| Instrument | 100927 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 6, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 6978 SE 12th Cir was $6,031 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 | $6,031.00 Homeowner's exemption | $399,621 | $655,553 Land $163,350 Building $492,203 |
| 2023 | $5,605.00 (+2.73%) Homeowner's exemption | $376,782 (+3%) Land $113,850 Building $262,932 | $613,836 (+24.94%) Land $113,850 Building $499,986 |
| 2022 | $5,456.00 Homeowner's exemption | $365,808 | $491,301 Land $113,850 Building $377,451 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6978 SE 12th Cir 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 15 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 4 (2010–2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
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 6978 SE 12th Cir is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cox Communications Cable | 2,000 / 100 |
| Zito Media Fiber | 1,000 / 1,000 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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