12920 SW 40TH TERRACE, Ocala, FL 34473

• 3 beds |
• 2 baths |
• 1,655 sqft

Property Description

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.

Listing Status:

Active

Date Added:

November 12, 2026

Data Last Updated:

November 13, 2026 at 1:22AM

Listing Office:

CRYSTAL SNOOK REAL ESTATE : 352-630-5270

Listing Agent:

Karli Raney : 352-427-2403

Contact:

352-630-5270

MLS ID:

OM735491

Interior

• General: Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Central VaccumOpen FloorplanSplit BedroomStone CountersVaulted Ceiling(s)Window Treatments
• Rooms: Family RoomInside Utility
• Appliances: CooktopDishwasherElectric Water HeaterRefrigerator
• Laundry: InsideLaundry Room
• Flooring: Luxury VinylTile
• A/C: Central Air
• Heating: CentralSolar
• Eco/Green Feature: PoolSolar

Exterior

• General: Storage
• Other Structures: Shed(s)StorageFront PorchScreenedPatio
• Pool: In GroundHeatedSalt WaterScreen EnclosureSolar Heat
• Parking: Garage Door Opener

Construction

• Roofing: Shingle
• Windows: Blinds
• General: BlockConcreteOneSlab

Location

• Road/Access: Paved
• Originating MLS: Stellar MLS
• County: Marion

Lot

• Zoning: R1SEC 03 TWP 17 RGE 21 PLAT BOOK O PAGE 140 MARION OAKS UNIT 7 BLK 1054 LOT 328007-1054-32
• View: Pool
• Fencing: Wood

Utilities

• Utilities: Cable ConnectedElectricity Connected
• Water: Public
• Sewer: Septic Tank

Financial

• Source: Stellar MLS
• Ownership: Fee Simple