7863 SW 89TH LOOP, OCALA, FL, 34476
Active228 days on marketListed Dec 4, 2025MLS #OM714498
Come see it
Upcoming open house
Sat, Jul 25
10:00 AM – 11:30 AM
About this home
7863 SW 89TH LOOP
PREMIUM LOT: Welcome to this beautifully maintained Orchid model, perfectly positioned on a private lot with NO REAR NEIGHBOR and wooded privacy in Indigo East-an active adult community within the renowned On Top of the World. This spacious home offers 3 bedrooms, 2 bathrooms, a versatile flex room that’s perfect for a dining room or additional living room, and an oversized 2-car garage with specialty epoxy flooring. The open concept kitchen is a standout feature, boasting stainless steel appliances, solid wood cabinetry with crown molding, granite countertops, granite counters, travertine backsplash, and under-cabinet lighting. The oversized island is PERFECT FOR ENTERTAINING with room for 6 barstools. The primary suite provides a peaceful retreat with views of the back yard, tray ceilings, crown molding, and an ensuite bath complete with a double-vanity sink and a beautifully tiled walk-in shower. The enclosed northern-exposure lanai offers year-round enjoyment, while the brick paver patio extends your living space outdoors, perfect for taking in the serene retention view or a backyard BBQ. The tile floors throughout compliment the neutral color palette. This home comes loaded with thoughtful upgrades, including a water softener, dedicated golf cart charger outlet, enhanced recessed lighting, custom cabinets in the laundry room, insulated garage ceiling, and recently painted exterior. Indigo East residents enjoy exclusive access to a wealth of private amenities, including 2 swimming pools, fitness center, clubhouse, as well as curbside mail delivery and waste pickup. The Gateway Pass gives the option to use ALL of the amenities at On Top of the World. On Top of the World is the premier 55+ resort, golf community with golf cart access to shopping, entertainment, restaurants, health, and beauty.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,874
Sqft
0.16 ac
Lot size
2
Garage
2018
Year built
One
Levels
$176
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.
$2,913 /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
$2,913/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
+5.9%
$/sqft vs INDIGO EAST
$176 vs $177
Days on market
228 vs 43 typical
Where $176/sqft sits among the 8 homes for sale in INDIGO EAST
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
3 of 8
INDIGO EAST have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 7863 SW 89TH LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$241,000
8033 SW 81ST LOOP · same community
3 bd · 2 ba · 1,945 sqft · $124/sqft · 80 DOM
Sold · May ’26$257,300
7790 SW 80TH PL ROAD · same community
3 bd · 2 ba · 2,032 sqft · $127/sqft · 5 DOM
Sold · Oct ’25$330,000
7845 SW 80TH PLACE ROAD · same community
3 bd · 2 ba · 2,108 sqft · $157/sqft · 49 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7863 SW 89TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7863 SW 89TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7863 SW 89TH LOOP FAQs
What would the monthly payment be for 7863 SW 89TH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,913/mo — principal and interest, the actual property-tax bill, the $268/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 7863 SW 89TH LOOP?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7863 SW 89TH LOOP?+
The most recent tax bill on record (2025) was $4,807. 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 7863 SW 89TH LOOP?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $329,400, this home is listed about 10% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7863 SW 89TH LOOP?+
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
$329,400 runs 12% above the OCALA 34476 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
228 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $344,999, now $329,400 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD REAL EST · Tammy Coughlin. MLS #OM714498.
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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