1129 NE 12TH STREET, OCALA, FL, 34470
Active4 days on marketListed Jul 28, 2026MLS #O6427809
About this home
1129 NE 12TH STREET
Back on the market and better than ever! This beautifully renovated 3-bedroom, 2-bath home in the City of Ocala offers modern upgrades, flexible space, and exceptional potential. Enjoy a bright, expansive sunroom, ample storage, and a thoughtfully updated interior featuring brand-new granite countertops, custom kitchen cabinetry, updated bathroom vanities, stylish light fixtures, stainless steel appliances, built-in oven and microwave, cooktop, dishwasher, large country-style sink, new electrical service, updated plumbing, new flooring, and washer/dryer hookups. The additional rear lot creates a rare opportunity with a spacious backyard—perfect for entertaining, gardening, or adding an accessory dwelling or secondary structure for future income potential. A turnkey property with upgrades, space, and opportunity—this one is not to be missed. Lease-to-own Options Available.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,744
Sqft
0.26 ac
Lot size
1
Garage
1951
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Ocala actives
$1 vs $183
Days on market
4 vs 43 typical
Where $1/sqft sits among the 400 Ocala actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ocala
Get to know Ocala. See the full Ocala guide →
OCALA 34470 — neighborhood snapshot
Population
21,521
Median age
40.1
Median income
$49,592
Median home value
$171,500
Avg household
2.29
Households w/ children
2,267
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
150 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the OCALA 34470 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 1129 NE 12TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$170,000
1022 NE 11TH AVENUE · same community
4 bd · 3 ba · 1,702 sqft · $100/sqft · 145 DOM
Sold · Mar ’26$152,353
1138 NE 9TH STREET · same community
3 bd · 2 ba · 1,626 sqft · $94/sqft · 68 DOM
Sold · Jan ’26$203,500
924 NE 12TH AVENUE · same community
3 bd · 2.5 ba · 1,439 sqft · $141/sqft · 21 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1129 NE 12TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1129 NE 12TH STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
1129 NE 12TH STREET FAQs
What would the monthly payment be for 1129 NE 12TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 1129 NE 12TH STREET?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $1,950, this home is listed about 99% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1129 NE 12TH STREET?+
Ward-Highlands Elementary School (elementary), Fort King Middle School (middle), Vanguard High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the OCALA 34470 market on paper
$1,950 is 99% below the OCALA 34470 median of $219,950, and at $1/sqft it sits under the Ocala average of $204.
02Fresh on the market
Only 4 days on market in a Ocala market that averages 43 — if it fits, move quickly.
03Strong assigned schools
Ward-Highlands Elementary School, Fort King Middle School, Vanguard High School — Ward-Highlands Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Reneka Whicker. MLS #O6427809.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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