16205 SW 12TH TERRACE, OCALA, FL, 34473
Active13 days on marketListed Jul 24, 2026MLS #OM728247
About this home
16205 SW 12TH TERRACE
NEW ROOF (2025)! GOLF COURSE home! GOLF CART GARAGE! NEW STAINLESS-STEEL APPLIANCES (2024). On the 8th fairway in SummerGlen featuring 1,968 square feet, a golf cart garage, gas range, and beautiful golf course views. This 3-bedroom, 2-bath Crestview model offers a split bedroom floor plan with ceramic tile flooring entrance, kitchen, and bathrooms and carpet throughout the main living areas and bedrooms. The eat-in kitchen features a gas range, Corian counters, tile backsplash, breakfast bar, over cabinet lights and plenty of cabinet space. The primary suite includes dual walk-in closets, double vanities, and a walk-in shower with a built-in seat. The guest bath offers a tub with tiled shower walls. The enclosed Florida room overlooks the 8th fairway and features sliding windows with screens creating additional year-round living space. Outside, you'll find a brick paver driveway and rear patio with a remote-controlled power awning. The oversized garage includes space for two vehicles plus a dedicated golf cart garage, epoxy-coated floors, built-in storage cabinets, and remote garage door openers. Additional features include a water softener, remote-controlled hot water recirculation system for near-instant hot water, and an inside laundry room with a utility sink, cabinets, folding counter, washer, and dryer. The $390 monthly HOA includes lawn maintenance, high-speed internet, cable TV, trash and recycling pickup, a $30 monthly restaurant credit, and RV storage available for a one-time fee. Located in SummerGlen, a gated 55+ golf community offering an 18-hole golf course, clubhouse, restaurant, fitness center, pool, tennis, pickleball, and an active social calendar.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,968
Sqft
0.18 ac
Lot size
2
Garage
2010
Year built
One
Levels
$163
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.
$2,859 /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
$2,859/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
+7.6%
$/sqft vs Ocala actives
$163 vs $187
Days on market
13 vs 48 typical
Where $163/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 34473 — neighborhood snapshot
Population
25,030
Median age
39.4
Median income
$70,559
Median home value
$242,400
Avg household
2.98
Households w/ children
3,117
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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
163 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 28% above the OCALA 34473 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 16205 SW 12TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$332,250
16123 SW 14TH AVENUE ROAD · same community
3 bd · 2 ba · 1,971 sqft · $169/sqft · 87 DOM
Sold · Mar ’26$350,000
1192 SW 161ST PLACE · same community
3 bd · 2.5 ba · 1,893 sqft · $185/sqft · 190 DOM
Sold · Jul ’26$274,500
16369 SW 14TH AVENUE ROAD · same community
3 bd · 2 ba · 1,869 sqft · $147/sqft · 43 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 16205 SW 12TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 16205 SW 12TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
16205 SW 12TH TERRACE FAQs
What would the monthly payment be for 16205 SW 12TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,859/mo — principal and interest, the actual property-tax bill, the $390/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 16205 SW 12TH TERRACE?+
The association fee works out to $390 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 16205 SW 12TH TERRACE?+
The most recent tax bill on record (2025) was $3,409. 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 16205 SW 12TH 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 Ocala?+
At $319,900, this home is listed about 7% above the Ocala median of $298,990. The market section on this page shows how the area is trending.
Which schools are assigned to 16205 SW 12TH TERRACE?+
Horizon Academy At Marion Oaks (middle), Sunrise Elementary School (elementary), Dunnellon High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY · Mary Johnson. MLS #OM728247.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 16205 SW 12TH TERRACE but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →