636 SE 31ST TERRACE, OCALA, FL, 34471
Active45 days on marketListed Jun 10, 2026MLS #OM726265
About this home
636 SE 31ST TERRACE
Experience the perfect blend of modern comfort and classic charm in this beautifully updated 3-bedroom, 2-bathroom residence located in the highly desirable SE Ocala Highlands. Step inside to find a warm, inviting floor plan featuring beautifully refinished hardwood floors, fresh paint throughout, and tastefully renovated kitchen and bathrooms. The thoughtful layout offers seamless flow from the welcoming entrance and formal living room into a separate family room, providing a highly versatile flex space ideal for a home office, media room, or play area. The true highlight of this exceptional property is the private backyard oasis, completely enclosed by a low-maintenance vinyl privacy fence and equipped with two storage sheds. Designed for year-round outdoor living and entertaining, it boasts a resurfaced pool within a screened enclosure, surrounded by gorgeous new decking that offers multiple distinct sitting and lounging areas. Nestled inside the Ocala city limits, this turnkey home offers an unmatched lifestyle just minutes from historic downtown Ocala, the Fort King Tennis Center, Ocala Golf Club, and Jervey Gantt Park.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,659
Sqft
0.22 ac
Lot size
1958
Year built
One
Levels
$199
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.
$2,585 /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
$2,585/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
+18.3%
$/sqft vs Ocala actives
$199 vs $181
Days on market
45 vs 43 typical
Where $199/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 34471 — neighborhood snapshot
Population
26,031
Median age
44.2
Median income
$60,283
Median home value
$292,200
Avg household
2.31
Households w/ children
2,491
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)
158 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 8% above the OCALA 34471 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 636 SE 31ST TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$280,000
203 SE 30TH AVENUE · same community
3 bd · 2 ba · 1,760 sqft · $159/sqft · 131 DOM
Sold · Jun ’26$300,000
303 SE 29TH AVENUE · same community
3 bd · 2 ba · 1,892 sqft · $159/sqft · 17 DOM
Sold · Feb ’26$235,000
2830 SE 7TH STREET · same community
3 bd · 2 ba · 1,254 sqft · $187/sqft · 130 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 636 SE 31ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 636 SE 31ST TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
636 SE 31ST TERRACE FAQs
What would the monthly payment be for 636 SE 31ST TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,585/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 636 SE 31ST TERRACE?+
The most recent tax bill on record (2025) was $4,037. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Ocala?+
At $330,000, this home is listed about 10% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 636 SE 31ST TERRACE?+
Eighth Street Elementary School (elementary), Osceola Middle School (middle), Forest 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
01Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
02Strong assigned schools
Eighth Street Elementary School, Osceola Middle School, Forest High School — Eighth Street Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $350,000, now $330,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VERAX REALTY LLC · Alexandrea Turner. MLS #OM726265.
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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