
10522 SE 146TH TERRACE ROAD, OCKLAWAHA, FL, 32179
Active40 days on marketListed Jun 27, 2026MLS #OM727199
About this home
10522 SE 146TH TERRACE ROAD
Experience the perfect blend of privacy, waterfront living, and Old Florida charm on this beautifully maintained lakefront property nestled beneath majestic oak trees. Situated on a spacious homesite with breathtaking water views, this property offers the peaceful lifestyle you've been searching for. From the moment you arrive, you'll appreciate the circular driveway, mature landscaping, covered parking, and inviting front patio. Inside, the home features a bright, open floor plan with oversized windows that fill the living spaces with natural light while showcasing stunning views of the lake and surrounding landscape. The spacious living room flows effortlessly into the dining area and kitchen, creating an ideal layout for both everyday living and entertaining. The kitchen offers abundant cabinetry, generous counter space, and a functional design that keeps everyone connected. The primary suite provides a relaxing retreat with ample space, large closets, and an en-suite bath. Additional rooms provide flexibility for family, guests, or a home office. Step outside and experience the many features that make this property so special. Whether you're sipping your morning coffee on the patio, watching wildlife beneath the canopy of mature oaks, or spending the day on the water, this property is designed to embrace the Florida lifestyle. A large covered carport and additional outbuilding provide excellent space for boats, equipment, hobbies, or extra storage. Conveniently located near Ocala National Forest, Lake Weir, and miles of outdoor recreation, this property offers the tranquility of country living while remaining within easy reach of shopping, dining, and everyday conveniences. If you've been searching for a private waterfront retreat with room to relax, entertain, and enjoy nature, this is one you won't want to miss. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,053
Sqft
4.01 ac
Lot size
2
Garage
1972
Year built
One
Levels
$268
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.
$3,783 /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
$3,783/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.
$/sqft vs Ocklawaha actives
$268 vs $186
Days on market
40 vs 54 typical
Where $268/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 1471% above the OCKLAWAHA 32179 median. See the full Ocklawaha market guide →
Paper trail
This home's history
Reality check
What actually sold near 10522 SE 146TH TERRACE ROAD
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$465,000
10512 SE 146TH TERRACE ROAD · same community
3 bd · 3 ba · 2,090 sqft · $222/sqft · 13 DOM
Sold · Sep ’25$370,000
10780 SE HIGHWAY 464C · same community
3 bd · 2 ba · 1,690 sqft · $219/sqft · 36 DOM
Sold · May ’26$1,050,000
14020 SE 106TH STREET · same community
4 bd · 3 ba · 2,731 sqft · $384/sqft · 12 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 10522 SE 146TH TERRACE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10522 SE 146TH TERRACE ROAD — 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
10522 SE 146TH TERRACE ROAD FAQs
What would the monthly payment be for 10522 SE 146TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,783/mo — principal and interest, the actual property-tax bill, the $6/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 10522 SE 146TH TERRACE ROAD?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10522 SE 146TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $1,627. 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 10522 SE 146TH TERRACE ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $550,000, this home is listed about 104% above the Ocklawaha median of $269,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10522 SE 146TH TERRACE ROAD?+
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 CROWN & GLORY REALTY INC · Dawn Bowman Cornelison. MLS #OM727199.
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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