10564 SW 98TH LANE, OCALA, FL, 34481
Active267 days on marketListed Nov 14, 2025MLS #OM713527
About this home
10564 SW 98TH LANE
Welcome to your dream home in the highly sought-after On Top of the World community! Built in 2023, this stunning 2-bedroom, 2-bathroom residence with a versatile flex room offers the perfect combination of modern design and convenience. Step inside to an open floor plan with luxury vinyl flooring throughout, creating a seamless and elegant space for living and entertaining. The kitchen and living area flow effortlessly to the spacious back porch, where you can relax with your morning coffee or unwind with evening cocktails while enjoying the privacy of no rear neighbors. The community boasts an impressive array of amenities, including golf, tennis, pickleball, lap pools, spa and sauna facilities, fitness classes, and a full-service restaurant. You'll also find shopping, dining, and healthcare options just minutes away. This move-in-ready home is ideal for those seeking an active and vibrant lifestyle. Schedule your tour today and discover why On Top of the World truly lives up to its name!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,983
Sqft
0.24 ac
Lot size
2
Garage
2023
Year built
One
Levels
$202
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.
$3,606 /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
$3,606/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
+6.6%
$/sqft vs Ocala actives
$202 vs $187
Days on market
267 vs 52 typical
Where $202/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 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)
163 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 74% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10564 SW 98TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$356,000
10341 SW 105TH COURT
3 bd · 2 ba · 1,967 sqft · $181/sqft · 0 DOM
Sold · Jun ’26$360,000
10441 SW 106TH COURT
3 bd · 2 ba · 1,967 sqft · $183/sqft · 203 DOM
Sold · Dec ’25$355,000
10409 SW 106TH COURT
3 bd · 2 ba · 1,967 sqft · $180/sqft · 8 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10564 SW 98TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10564 SW 98TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10564 SW 98TH LANE FAQs
What would the monthly payment be for 10564 SW 98TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,606/mo — principal and interest, the actual property-tax bill, the $463/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 10564 SW 98TH LANE?+
The association fee works out to $463 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10564 SW 98TH LANE?+
The most recent tax bill on record (2024) was $5,412. 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 10564 SW 98TH 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 $399,999, this home is listed about 34% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10564 SW 98TH 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
Three things that matter here
01Positioned at the premium end
$399,999 runs 74% above the OCALA 34481 median — but at 1,983 sqft it's also 15% larger than the typical Ocala listing.
02Time on market is leverage
267 days on market against a Ocala median of 52 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $424,000, now $399,999 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA ADVANTAGE REALTY GROUP · Justin Gore. MLS #OM713527.
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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