
1198 SW 104TH STREET ROAD, OCALA, FL, 34476
Active279 days on marketListed Nov 6, 2025MLS #OM709610
About this home
1198 SW 104TH STREET ROAD
Welcome to this stunning 5-bedroom, 6-bathroom, 4,871 SF (8691 total) custom American Farmhouse on 10.5 acres in the gated community of Equine Estates. Built by Mega Construction in 2006, this exceptional home is crafted for those who value fine craftsmanship, privacy, and an equestrian lifestyle. Enjoy direct access to the 110-mile Marjorie Harris Carr Cross Florida Greenway—ride straight from your property to the Florida Horse Park, or explore three miles of private community bridle paths beneath majestic granddaddy oaks. Main Residence: Showcasing timeless design and top of the line materials with all original receipts. The exterior features Hardie board siding, stone veneer accents, a steep gable roof, dormer windows and a large welcoming Brazilian hardwood porch with columns. Step into the two-story coral stone foyer, where a custom red oak staircase and balcony rail set an elegant tone carried throughout the home. The great room impresses with a cathedral beamed tray ceiling and an architectural stone floor-to-ceiling handcrafted fireplace complemented by a towering custom red oak entertainment center that echoes the home’s stunning staircase and flooring. The gourmet kitchen is a chef’s dream—granite countertops, shaker cabinetry, coral stone floors, pendant lighting, dual pantries, and island seating. A laundry room off the kitchen continues the fine craftsmanship with matching shaker cabinetry and coral stone flooring. The kitchen has an eat-in area, plus an additional formal dining or secondary kitchen space off the great room— The primary suite is a true retreat with red oak flooring, plantation shutters, a serene sitting retreat overlooking the pool and pastures and a spa-inspired bath featuring coral stone floors, dual stone vanities, a soaking tub encased in stone, and a glass shower with coral stone flooring. Upstairs, three spacious ensuite bedrooms feature Kohler fixtures, Corian vanities, and frameless glass showers, while an additional 810-square-foot finished space above the three-car garage with a private entrance and half bath providing a perfect gym, office, or guest suite. Outdoor Living: Step through the French doors to a vaulted, screened lanai wrapped in rich Brazilian hardwood decking, where a warm oak ceiling and a floor-to-ceiling stone fireplace—designed for both gas and wood burning—create the perfect backdrop for every season. The lanai offers a picturesque vantage point overlooking the saltwater pool, horse barn, and sunlit pastures. Equestrian Barn: The 2,548-square-foot center isle block barn is designed for function and comfort, featuring four stalls, an Air conditioned tack and feed room, two hot/cold wash racks, a shoo fly system and a dedicated equipment room featuring workbenches and shelving along with a climate-controlled office with half bath providing convenience and comfort. The property’s lush 10.5-acre pastures are fully fenced and cross fenced, offering an ideal setup for horses and cattle. Modern Systems & Features: 5-unit multi-zone HVAC (2 new 2025; 4 home + 1 barn office)- Whole-house Generac generator (July 2025 service)- Dual propane tanks- Updated water heaters, bladder tank (2024), irrigation (2025 panel)- NuTone central vac, 10-year termite bond (to 2035)- Porte-cochère with 30-amp RV hookup for vehicles or guest use.
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
4,871
Sqft
10.5 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$513
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.
$15,479 /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
$15,479/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.
$/sqft vs Ocala actives
$513 vs $187
Days on market
279 vs 54 typical
Where $513/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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Ocala. See the full Ocala guide →
OCALA 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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)
179 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 768% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 1198 SW 104TH STREET ROAD
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$3,250,000
9605 S MAGNOLIA AVENUE
5 bd · 5.5 ba · 4,565 sqft · $712/sqft · 452 DOM
Sold · Aug ’25$750,000
9340 SW 9TH TERRACE
5 bd · 4.5 ba · 4,315 sqft · $174/sqft · 157 DOM
Sold · Apr ’26$980,000
9095 SW 9TH TERRACE
5 bd · 3 ba · 3,657 sqft · $268/sqft · 19 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 1198 SW 104TH STREET ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1198 SW 104TH STREET ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1198 SW 104TH STREET ROAD FAQs
What would the monthly payment be for 1198 SW 104TH STREET ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,479/mo — principal and interest, the actual property-tax bill, the $158/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 1198 SW 104TH STREET ROAD?+
The association fee works out to $158 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1198 SW 104TH STREET ROAD?+
The most recent tax bill on record (2024) was $8,804. 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 1198 SW 104TH STREET ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $2,499,999, this home is listed about 736% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1198 SW 104TH STREET ROAD?+
Liberty Middle School (middle), Marion Oaks Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$2,499,999 runs 768% above the OCALA 34476 median — but at 4,871 sqft it's also nearly 3 times the size of the typical Ocala listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
279 days on market against a Ocala median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $2,599,000, now $2,499,999 — a $99K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE NEXT GENERATION-DUNN · Marion Renda. MLS #OM709610.
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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