1815 SE 89TH LANE, OCALA, FL, 34480
Active142 days on marketListed Mar 11, 2026MLS #A4685759
About this home
1815 SE 89TH LANE
Discover peaceful living on a beautiful 1-acre lot in a quiet Ocala neighborhood with direct access to the renowned Marjorie Harris Carr Cross Florida Greenway and the popular Santos Mountain Bike Trails. The Vortex Pit trail entrance is less than 500 feet away, making this home perfect for outdoor hiking and biking enthusiasts. This spacious 3-bedroom, 2-bath home features an open floor plan with a large living room and vaulted ceilings in the living, dining, kitchen, and primary bedroom. Much of the home has updated flooring, giving it a fresh, modern feel. The primary suite includes custom vanities with his-and-her sink areas, a garden tub, large walk-in shower, and walk-in closets with built-in cabinetry. A centrally located oversized laundry room offers custom cabinets and a folding area. The home also features a large office with bay windows overlooking the front yard—perfect for working from home. Home is equipped with propane standby generator. Outside, enjoy a large covered front porch, huge fenced backyard area, and large concrete driveway. The property includes an attached oversized 2-car garage plus a detached 2-car garage/workshop, providing plenty of space for vehicles, hobbies, or storage. A rare opportunity to own a spacious home with privacy, acreage, and direct access to Ocala’s premier trail system.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,975
Sqft
1.03 ac
Lot size
2
Garage
1997
Year built
One
Levels
$212
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.
$4,125 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,125/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+6.1%
$/sqft vs Ocala actives
$212 vs $183
Days on market
142 vs 43 typical
Where $212/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 34480 — neighborhood snapshot
Population
23,749
Median age
36.6
Median income
$75,334
Median home value
$248,400
Avg household
2.67
Households w/ children
3,190
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)
150 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 118% above the OCALA 34480 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 1815 SE 89TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$970,000
7834 SE 22ND TERRACE
4 bd · 3 ba · 3,013 sqft · $322/sqft · 65 DOM
Sold · May ’26$925,000
6907 SE 12TH CIRCLE
4 bd · 3 ba · 3,063 sqft · $302/sqft · 130 DOM
Sold · Jun ’26$1,185,000
2535 SE 77TH STREET
4 bd · 3 ba · 3,080 sqft · $385/sqft · 179 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 1815 SE 89TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1815 SE 89TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1815 SE 89TH LANE FAQs
What would the monthly payment be for 1815 SE 89TH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,125/mo — principal and interest, the actual property-tax bill, the $14/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 1815 SE 89TH LANE?+
The association fee works out to $14 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1815 SE 89TH LANE?+
The most recent tax bill on record (2025) was $3,785. 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 1815 SE 89TH LANE?+
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 $630,000, this home is listed about 111% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1815 SE 89TH LANE?+
Belleview Middle School (middle), Marion Oaks Elementary School (elementary), Belleview 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
01Positioned at the premium end
$630,000 runs 118% above the OCALA 34480 median — but at 2,975 sqft it's also 72% larger than the typical Ocala listing.
02Time on market is leverage
142 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 $669,000, now $630,000 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLATFEE.COM · Cliff Glansen. MLS #A4685759.
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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