9878 SW 97TH LANE, OCALA, FL, 34481
Active322 days on marketListed Sep 19, 2025MLS #OM709659
About this home
9878 SW 97TH LANE
Welcome to this spacious and well-maintained home in On Top of the World offering 1,911 living sq ft, 2 bedrooms, 2 bathrooms, a flex room, and a 2-car garage. This desirable floor plan provides the space many buyers are searching for with comfort, functionality, and valuable updates already completed. Enjoy peace of mind with a 22KW whole-house generator, roof replaced in 2020, natural gas stove and water heater replaced in 2024, plus a bright and inviting interior enhanced by 2 solar tubes bringing in natural light. The kitchen features granite countertops, stainless steel appliances, generous cabinet space, and an easy flow into the main living areas. High ceilings create an open feel throughout the home. Relax year-round in the screened lanai with electric or enjoy the enclosed sunroom featuring 17 updated windows, creating a versatile space for reading, hobbies, entertaining, or quiet mornings. The flex room is ideal for a home office, craft room, guest overflow, or den. Located in one of Ocala’s most popular active adult communities, residents enjoy resort-style amenities, arts & crafts, Cards, dance, social clubs, golf, and a vibrant social lifestyle. If you are looking for space, comfort, natural light, and important upgrades in On Top of the World, this home deserves your attention. Schedule your private showing today. Come and see for yourself.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,911
Sqft
0 ac
Lot size
2
Garage
2000
Year built
One
Levels
$157
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.
$2,755 /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
$2,755/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
−9.5%
$/sqft vs ON TOP OF THE WORLD
$157 vs $145
Days on market
322 vs 49 typical
Where $157/sqft sits among the 237 homes for sale in ON TOP OF THE WORLD
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 On Top Of The World
Get to know Ocala. See the full Ocala guide →
On Top Of The World — neighborhood snapshot
Population
9,305
Median age
73
Median income
$51,446
Median home value
$222,633
Avg household
2
Households w/ children
77%
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)
111 of 237
ON TOP OF THE WORLD have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9878 SW 97TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$200,000
8872 SW 92ND PLACE UNIT G · same community
2 bd · 2 ba · 1,895 sqft · $106/sqft · 37 DOM
Sold · Dec ’25$247,500
9155 SW 83RD COURT UNIT C · same community
2 bd · 2 ba · 1,886 sqft · $131/sqft · 39 DOM
Sold · Dec ’25$355,000
10361 SW 106TH COURT · same community
3 bd · 2 ba · 1,967 sqft · $180/sqft · 27 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9878 SW 97TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9878 SW 97TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9878 SW 97TH LANE FAQs
What would the monthly payment be for 9878 SW 97TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,755/mo — principal and interest, the actual property-tax bill, the $513/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 9878 SW 97TH LANE?+
The association fee works out to $513 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9878 SW 97TH LANE?+
The most recent tax bill on record (2024) was $2,202. 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 9878 SW 97TH LANE?+
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 $299,900, this home is priced right at the Ocala median.
Which schools are assigned to 9878 SW 97TH LANE?+
Liberty Middle School (middle), Hammett Bowen Junior 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
$299,900 runs 30% above the OCALA 34481 median.
02Know the monthly fee
The association fee is $513/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
322 days on market against a Ocala median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $340,000, now $299,900 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Mercy Reyes-Rubin. MLS #OM709659.
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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