10920 SW 82ND TERRACE, OCALA, FL, 34481
Active40 days on marketListed Jun 30, 2026MLS #O6421037
About this home
10920 SW 82ND TERRACE
Welcome to 10920 SW 82nd Terrace, where comfort, convenience, and the vibrant Florida lifestyle come together in one of Ocala’s most sought-after 55+ gated communities. Nestled within Oak Run, this inviting single-story residence offers approximately 1,762 square feet of thoughtfully designed living space, featuring 3 bedrooms, 2 full bathrooms, and a layout that perfectly balances everyday comfort with effortless entertaining. From the moment you arrive, the home's welcoming curb appeal, charming front porch, and mature landscaping create an inviting first impression. Step inside to discover a bright, open interior where natural light fills the spacious living areas, enhanced by soaring vaulted ceilings that create an airy sense of openness. The seamless flow between the living and dining spaces provides the perfect setting for hosting family gatherings, relaxing with friends, or simply enjoying peaceful evenings at home. At the heart of the home, the generously sized kitchen offers abundant cabinetry, ample workspace, and a comfortable dining area where everyday meals become moments to enjoy. Whether preparing dinner, entertaining guests, or gathering for morning coffee, this space is designed to bring everyone together while remaining both functional and welcoming. The thoughtfully designed split-bedroom floor plan offers privacy for homeowners while providing comfortable accommodations for family or overnight guests. The spacious primary suite serves as a peaceful retreat, complete with a walk-in closet and a private ensuite bathroom designed for everyday comfort. Two additional bedrooms provide exceptional flexibility, making them ideal for guests, a home office, hobby room, or creative space to fit your lifestyle. Step through the sliding glass doors and discover one of the home's most enjoyable features—a large screened lanai that extends your living space outdoors. Whether you're sipping your morning coffee, enjoying the Florida breeze, or hosting friends for an evening gathering, this versatile space offers year-round enjoyment while allowing you to appreciate the peaceful surroundings in comfort. An attached one-car garage provides additional convenience along with extra storage space, while the home's practical floor plan makes everyday living both comfortable and efficient. Beyond your front door, Oak Run offers an exceptional resort-style lifestyle with beautifully maintained grounds, multiple clubhouses, sparkling pools, fitness centers, golf, tennis, pickleball, scenic walking paths, and an incredible variety of clubs and social activities that make every day feel like a vacation. Whether you're searching for your full-time Florida residence or the perfect place to enjoy an active retirement, 10920 SW 82nd Terrace offers the ideal combination of comfort, functionality, and community living. Don't miss this opportunity — schedule your private showing today! Photos are digitally enhanced. Being sold AS IS, WHERE IS, Buyer is responsible for all inspections and any city requirements to close. All information and property details set forth in this listing, including all utilities and all room dimensions which are approximate and deemed reliable but not guaranteed and should be independently verified if any person intends to engage in a transaction based upon it. Seller/current owner does not represent and/or guarantee that all property information and details have been provided in this MLS listing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,762
Sqft
0.16 ac
Lot size
1
Garage
1989
Year built
One
Levels
$139
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.
$2,144 /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
$2,144/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
−1.7%
$/sqft vs Ocala actives
$139 vs $187
Days on market
40 vs 52 typical
Where $139/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 34481 — neighborhood snapshot
Population
25,668
Median age
68.5
Median income
$54,639
Median home value
$213,000
Avg household
1.9
Households w/ children
978
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)
171 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 7% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10920 SW 82ND TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$250,000
11691 SW 71ST CIRCLE
2 bd · 2 ba · 1,780 sqft · $140/sqft · 41 DOM
Sold · Jul ’26$305,990
13074 SW 88TH COURT
4 bd · 2 ba · 1,828 sqft · $167/sqft · 72 DOM
Sold · Sep ’25$215,000
11645 SW 75TH CIRCLE
3 bd · 2 ba · 1,838 sqft · $117/sqft · 97 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 10920 SW 82ND TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10920 SW 82ND TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10920 SW 82ND TERRACE FAQs
What would the monthly payment be for 10920 SW 82ND TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,144/mo — principal and interest, the actual property-tax bill, the $151/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 10920 SW 82ND TERRACE?+
The association fee works out to $151 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10920 SW 82ND TERRACE?+
The most recent tax bill on record (2025) was $3,389. 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 10920 SW 82ND TERRACE?+
The listing reports pets: No. 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 $245,000, this home is listed about 18% below the Ocala median of $298,888. The market section on this page shows how the area is trending.
Which schools are assigned to 10920 SW 82ND TERRACE?+
Dunnellon High School (high), Dunnellon Elementary School (elementary), Dunnellon 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 AI BROKERS, LLC · Kimberlee McClellan. MLS #O6421037.
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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