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645 SE 56th Ave, Ocala, FL, 34480

3beds
2baths
1,400sqft
$299,999
$214price/sqft
$2,336/moest. monthly cost
$93,440/yrincome needed

About This Home

One or more photo(s) has been virtually staged. Start Your Homeownership Journey — Pool Home in Peaceful SE Ocala Welcome to the perfect place to begin your next chapter! This well-maintained 3-bedroom, 2-bath home with a 2-car garage offers comfort, simplicity, and value—ideal for first-time buyers ready to step into homeownership. Inside, you’ll love the open split floor plan with durable tile flooring throughout easy to clean and perfect for everyday living. Natural light fills the space, while the kitchen and breakfast area overlook your private pool and fully fenced backyard, creating a bright and inviting space to gather with family and friends. The kitchen was updated in 2022 with modern appliances, a reverse osmosis water system, and plenty of cabinet space, including a large pantry to keep everything organized. Enjoy the best of Florida living with an enclosed rear porch that opens to your screen-enclosed, heated pool—perfect for relaxing weekends, entertaining, or simply unwinding in your own backyard retreat. Major updates help give peace of mind, including HVAC (2025), pool pump and plumbing (2022), and pool heater (2019)—making this home truly move-in ready. Located on a quiet dead-end street shaded by beautiful oak trees in SE Ocala, you’ll enjoy a peaceful setting while still being close to everything—shopping, dining, and local favorites like Silver Springs State Park, Historic Downtown Ocala, and the World Equestrian Center. Affordable, low-maintenance, and full of charm—this home makes owning your first home feel easy and exciting.

Getting Around

17
WalkingCar-Dependent
0
TransitNo Nearby Transit
41
BikeSomewhat Bikeable

Schools

2/10
Fort King Middle SchoolGrades 6-83.6 mi
5/10
Forest High SchoolGrades 9-123.0 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Cooktop,Dishwasher,Dryer,Electric Water Heater,Freezer,Microwave,Range,Range Hood,Refrigerator,Washer
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: No Closet
  • Level: First
  • Area: 125
  • Dimensions: 12.5x10

Bedroom3

  • Features: Storage Closet
  • Level: First
  • Dimensions: 9x11.5

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Living Room/Dining Room Combo,Solid Wood Cabinets,Split Bedroom,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Window features: Blinds,Window Treatments
  • Flooring: Ceramic Tile

Great Room

  • Level: First
  • Area: 403
  • Dimensions: 15.5x26

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 1,400 sqft

Kitchen

  • Level: First
  • Area: 264
  • Dimensions: 24x11

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 166.8
  • Dimensions: 13.9x12

Property

Accessibility

  • Accessibility features: Accessible Approach with Ramp

Details

  • Parcel number: 2738001008
  • Zoning: R1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Gunite,Heated,In Ground,Screen Enclosure
  • Patio & porch: Deck,Enclosed,Rear Porch
  • Exterior features: Irrigation System,Storage
  • Fencing: Other
  • Has view: Yes
  • View description: Pool
  • Residential vegetation: Mature Landscaping,Oak Trees

Lot

  • Lot size: 0.27 Acres
  • Features: Street Dead-End
  • Lot size dimensions: 87 x 137

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hurricane
Tornado
Wildfire

FEMA Declared Disasters in Marion County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$284$3,408
Property Taxes $339$4,068
Electricity $197$2,366
Total$2,336$28,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$80,091/yr
40% on housing$70,080/yr
45% on housing$62,293/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$214This listing

vs Other Active Listings

Avg $/sqft

ZIP 34480$217
Marion County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 34480$173
Marion County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-21Price change$305,000
2026-03-10Price change$307,000
2026-02-21Listed for sale$309,000
2023-09-01Sold$317,500
2023-08-12Pending sale$325,000
2023-08-05Listed for sale$325,000
2023-05-23Sold$300,500
2023-04-12Pending sale$295,900
2023-04-06Listed for sale$295,900
2023-03-29Pending sale$295,900
2023-02-22Listed for sale$295,900
2014-09-30Sold$120,000
2014-08-21Listed for sale$120,000

For Sale by Agent

AgentCassandra Gardner
BrokerageKELLER WILLIAMS CORNERSTONE RE

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