12854 NE 118TH TERRACE, OCKLAWAHA, FL, 32179
Active17 days on marketListed Jul 21, 2026MLS #O6424655
About this home
12854 NE 118TH TERRACE
Enjoy the LAKE WEIR lifestyle in this well-maintained 3-bedroom, 2.5-bath home offering PRIVATE LAKE ACCESS and Dock, ideal for boating, fishing, and time on the water. Recent improvements include a NEW ROOF 2025, NEW HOT WATER HEATER NOVEMBER 2025, NEW WELL 2026, NEW APPLIANCES 2026, NEW STORAGE SHED DECEMBER 2025, EXTERIOR PAINT November 2025. HVAC serviced in June 2026. Inside, the comfortable, flowing layout features abundant natural light, tile flooring, a gas fireplace, and a spacious kitchen with 42-inch wood cabinetry, ample counter space, and updated appliances. The screened garage adds everyday versatility, while the PROFESSIONALLY LANDSCAPED YARD and mature surroundings create an inviting setting. Enjoy the front porch lifestyle from the 15-by-10 concrete covered patio, a welcoming space for morning coffee or relaxed evenings outdoors. The detached shed provides convenient storage for tools, lake gear, and outdoor equipment. BRING YOUR BOAT and take advantage of the private shared ownership of the community dock and beach access to Lake Weir, with Carney Island Recreation and Conservation Area just a short drive away offering six docks, two beaches, and covered pavilions. Great for family parties and gatherings. Seller says Vertical Boat Lifts allowed.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,712
Sqft
0.33 ac
Lot size
2
Garage
2007
Year built
One
Levels
$254
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,284 /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
$3,284/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+12.9%
$/sqft vs Ocklawaha actives
$254 vs $186
Days on market
17 vs 54 typical
Where $254/sqft sits among the 133 Ocklawaha 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 Ocklawaha
Get to know Ocklawaha. See the full Ocklawaha guide →
OCKLAWAHA 32179 — neighborhood snapshot
Population
9,051
Median age
46.8
Median income
$48,214
Median home value
$162,700
Avg household
2.38
Households w/ children
872
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocklawaha market
$250K → $245K
Ocklawaha median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
47 of 133
Ocklawaha actives have cut their price
Median sold price, Ocklawaha, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1143% above the OCKLAWAHA 32179 median. See the full Ocklawaha market guide →
Paper trail
This home's history
Reality check
What actually sold near 12854 NE 118TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$335,000
12854 SE 118TH TERRACE · same community
3 bd · 2.5 ba · 1,712 sqft · $196/sqft · 162 DOM
Sold · May ’26$349,000
12620 SE MARICAMP ROAD
3 bd · 2 ba · 1,684 sqft · $207/sqft · 28 DOM
Sold · Sep ’25$197,000
12258 SE 126TH COURT
3 bd · 2 ba · 1,800 sqft · $109/sqft · 2 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12854 NE 118TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12854 NE 118TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12854 NE 118TH TERRACE FAQs
What would the monthly payment be for 12854 NE 118TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,284/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12854 NE 118TH TERRACE?+
The most recent tax bill on record (2025) was $4,455. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12854 NE 118TH TERRACE?+
The listing reports pets: Cats OK, Dogs OK, 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 Ocklawaha?+
At $435,000, this home is listed about 61% above the Ocklawaha median of $269,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12854 NE 118TH TERRACE?+
Lake Weir High School (high), Emerald Shores Elementary School (elementary), Lake Weir Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of MARKET CONNECT REALTY LLC · Debra Vallier, PA. MLS #O6424655.
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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