10744 SW 62ND TERRACE, OCALA, FL, 34476
Active157 days on marketListed Feb 18, 2026MLS #OM719079
About this home
10744 SW 62ND TERRACE
** NEW ROOF BEING INSTALLED WEEK OF 2/23/26 !** Welcome to this beautifully updated home located in the desirable 55+ community of Spruce Creek North. Offering 2 bedrooms, 2 bathrooms, and 1,144 sq ft under heat and air (2,356 total under roof), this move-in ready residence sits on a spacious .25-acre lot with a fenced backyard, perfect for pets and added privacy. Built in 1990, this home features a two-car garage and has been freshly painted inside, giving it a clean, modern feel. Brand-new roof being installed the last week of February for peace of mind! Luxury vinyl and laminate wood plank flooring flow throughout the main living areas and bedrooms, while ceramic tile accents the kitchen and baths for durability and style. The layout offers comfortable living and dining spaces, ideal for both relaxing and entertaining. Enjoy Florida living year-round with ample covered space and room to personalize your outdoor retreat. Residents of Spruce Creek North enjoy resort-style amenities including a clubhouse, community pool, and fitness center, all within a beautifully maintained, active adult setting. Conveniently located close to shopping, restaurants, hospitals, and golf courses, with easy access to both Tampa and Orlando International Airports (approximately 1 hour 15 minutes), this home offers the perfect balance of peaceful community living and accessibility. Schedule your private showing today and start enjoying the lifestyle you deserve!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,144
Sqft
0.25 ac
Lot size
2
Garage
1990
Year built
One
Levels
$149
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 and the real association fee — not generic estimates.
$1,609 /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
$1,609/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
−1.8%
$/sqft vs Ocala actives
$149 vs $181
Days on market
157 vs 43 typical
Where $149/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 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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)
154 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 41% below the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10744 SW 62ND TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$146,800
10890 SW 63RD AVENUE · same community
2 bd · 2 ba · 1,144 sqft · $128/sqft · 202 DOM
Sold · May ’26$235,900
11745 SW 72ND CIRCLE
2 bd · 2 ba · 1,163 sqft · $203/sqft · 260 DOM
Sold · Dec ’25$175,000
11696 SW 71ST CIRCLE
2 bd · 2 ba · 1,218 sqft · $144/sqft · 395 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 10744 SW 62ND TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10744 SW 62ND 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
10744 SW 62ND TERRACE FAQs
What would the monthly payment be for 10744 SW 62ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,609/mo — principal and interest, the actual property-tax bill, the $121/mo association fee 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.
How much are the HOA fees at 10744 SW 62ND TERRACE?+
The association fee works out to $121 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10744 SW 62ND TERRACE?+
The most recent tax bill on record (2024) was $3,032. 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 10744 SW 62ND TERRACE?+
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 $169,900, this home is listed about 43% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10744 SW 62ND TERRACE?+
Liberty Middle School (middle), Marion Oaks Elementary School (elementary), West Port 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 34476 market on paper
$169,900 is 41% below the OCALA 34476 median of $289,900, and at $149/sqft it sits under the Ocala average of $204.
02Time on market is leverage
157 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $189,000, now $169,900 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CB/ELLISON RLTY WEST · Brian McCarthy. MLS #OM719079.
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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