8660 SW 94TH STREET UNIT F, OCALA, FL, 34481
Active323 days on marketListed Sep 25, 2025MLS #OM710205
About this home
8660 SW 94TH STREET UNIT F
Virtually Staged. This is the villa you’ve been waiting for! Located on the desirable 94th Street in On Top of the World, this expanded Philadelphian model offers 2 bedrooms, 2 bathrooms, a den with barn door, and an oversized 1.5-car garage. Step inside to discover a home filled with thoughtful updates. The fully renovated kitchen features white shaker cabinets, granite countertops, subway tile backsplash, stainless steel appliances, and a shiplap ceiling. Newer luxury vinyl plank floors run throughout. Fresh interior and exterior paint provide a crisp, move-in ready look. The primary suite is spacious enough for a king-sized bed and large furnishings. Enjoy your backyard patio—perfect for relaxing evenings. Additional peace of mind comes with the architectural shingle roof, last replaced in 2016. The deep garage provides plenty of room for a vehicle, storage, and walking space, with laundry conveniently located in the garage. On Top of the World is Ocala’s premier 55+ active community, offering an unmatched lifestyle with golf cart access to shopping, dining, healthcare, and entertainment. Resort-style amenities include: 3 swimming pools (2 outdoor, 1 indoor), 2 fitness centers, Tennis, pickleball, bocce, shuffleboard, and horseshoes, Billiards, archery, dog parks, RC flying and racing areas, Library, restaurant & pub, and over 100 clubs to join. The HOA covers lawn care, trash/recycling, basic Spectrum cable, roof repair, exterior painting every seven years, irrigation water, exterior maintenance, structure insurance, and 24/7 gated security. ROOF (2016) HVAC (2009)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,391
Sqft
0 ac
Lot size
1
Garage
1984
Year built
One
Levels
$107
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.
$1,763 /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
$1,763/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
+7.1%
$/sqft vs ON TOP OF THE WORLD
$107 vs $145
Days on market
323 vs 54 typical
Where $107/sqft sits among the 235 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 235
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 36% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8660 SW 94TH STREET UNIT F
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$131,000
2360 WORLD PARKWAY BOULEVARD UNIT 38 · same community
2 bd · 2 ba · 1,400 sqft · $94/sqft · 47 DOM
Sold · Mar ’26$155,000
2071 AUSTRALIA WAY W UNIT 37 · same community
2 bd · 2 ba · 1,400 sqft · $111/sqft · 12 DOM
Sold · Dec ’25$269,900
2379 FINLANDIA LANE UNIT 21 · same community
2 bd · 2 ba · 1,400 sqft · $193/sqft · 4 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8660 SW 94TH STREET UNIT F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8660 SW 94TH STREET UNIT F — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8660 SW 94TH STREET UNIT F FAQs
What would the monthly payment be for 8660 SW 94TH STREET UNIT F?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,763/mo — principal and interest, the actual property-tax bill, the $529/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 8660 SW 94TH STREET UNIT F?+
The association fee works out to $529 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8660 SW 94TH STREET UNIT F?+
The most recent tax bill on record (2025) was $1,570. 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 8660 SW 94TH STREET UNIT F?+
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 $149,000, this home is listed about 50% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8660 SW 94TH STREET UNIT F?+
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
01Under the OCALA 34481 market on paper
$149,000 is 36% below the OCALA 34481 median of $232,000, and at $107/sqft it sits under the Ocala average of $206.
02Know the monthly fee
The association fee is $529/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
323 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 $175,000, now $149,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JACOBS PREMIER PROPERTIES · Jolinda Fisher. MLS #OM710205.
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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