12920 SW 40th Terrace, Ocala, FL 34473 (MLS # OM735491)

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Virtually Staged. Beautifully updated 3-bedroom, 2-bath pool home in desirable SW Ocala with **NO HOA and USDA 100% financing eligibility!** Offering 1,655 sq. ft. of living space, a 2-car garage, and a desirable split-bedroom floor plan, this home is packed with upgrades and move-in ready! Step inside to find luxury vinyl plank flooring and updated baseboards throughout (2026), updated lighting, and a beautifully remodeled kitchen featuring granite countertops, updated cabinetry, and stainless steel appliances. The spacious primary suite offers a private en-suite bathroom complete with **dual sinks, a relaxing garden tub, and a large walk-in shower**. Step outside to your private backyard oasis featuring a spacious screened lanai and a **saltwater, solar-heated swimming pool with an OWNED and FULLY paid-off solar heating system**, perfect for enjoying Florida living year-round! The fully fenced backyard offers fresh landscaping and a 12x24 storage shed for additional storage. Major improvements include a **NEW ROOF (2024), HVAC (2023), septic system (2020), pool (2018), solar pool heating (2020), and updated sliding glass door (2020)**. Additional features include a central vacuum system and exterior paint completed in 2018. Conveniently located just minutes from I-75, shopping, dining, and medical facilities along SR 200. Outdoor enthusiasts will love the nearby access to the Florida Trail and 49th Avenue Trailhead, accessible through a gate at the end of the street, offering opportunities for hiking and biking. **This property may qualify for USDA financing with 0% down for eligible buyers**, making homeownership even more attainable! With extensive updates, a private pool, and NO HOA, this home has so much to offer! Schedule your private showing today! Some photos have been virtually staged and AI generated.

DAYS ON MARKET 5 LAST UPDATED 11/12/2026
TRACT MARION OAKS UN 07 YEAR BUILT 2006
COMMUNITY 34473 - Ocala GARAGE SPACES 1.0
COUNTY Marion STATUS Active
PROPERTY TYPE(S) Single Family

SCHOOLS
Elementary School Marion Oaks Elementary School
Jr. High School Horizon Academy/Mar Oaks
High School West Port High School


ADDITIONAL DETAILS
AIR Central Air
AIR CONDITIONING Yes
APPLIANCES Cooktop, Dishwasher, Electric Water Heater, Refrigerator
AREA 34473 - Ocala
CONSTRUCTION Block, Concrete
EXTERIOR Storage
GARAGE Yes
HEAT Active Solar, Central, Solar
INTERIOR Built-in Features, Cathedral Ceiling(s), Open Floorplan, Stone Counters, Vaulted Ceiling(s)
LOT 10019 sq ft
LOT DESCRIPTION Cleared, Landscaped, Paved
PARKING Garage Door Opener, Attached
POOL Yes
POOL DESCRIPTION In Ground, Heated, Salt Water, Screen Enclosure, Solar Heat, Private
SEWER Septic Tank
STORIES 1
SUBDIVISION MARION OAKS UN 07
TAXES 4367
UTILITIES Cable Available, Cable Connected, Electricity Connected
VIEW Yes
VIEW DESCRIPTION Pool
WATER Public
MORTGAGE CALCULATOR
   

TOTAL MONTHLY PAYMENT

0
P
I
*Estimate only

SATELLITE VIEW



 
CONTACT US ABOUT 12920 SW 40TH TERRACE
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Listing provided by Karli Raney, CRYSTAL SNOOK REAL ESTATE, 352-630-5270
The information contained herein has been provided by My Florida Regional MLS DBA Stellar MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by the MLS. Listings last updated 11/14/26 10:10 PM PST.

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