10821 SW 87TH TERRACE, OCALA, FL, 34481
Active188 days on marketListed Feb 2, 2026MLS #OM717887
About this home
10821 SW 87TH TERRACE
SELLER IS MOTIVATED, BRING ALL REASONABLE OFFERS! Come check out this beautiful, meticulously maintained home located in the highly sought after 55+ gated community of Oak Run. This spacious and functional property offers 2 bedrooms, 2 bathrooms, and a versatile den that could easily serve as a third bedroom. With 1,415 square feet of living space, the open living and dining area features bamboo flooring flowing seamlessly throughout the main living spaces, creating a warm and inviting atmosphere. The kitchen is thoughtfully designed with generous counter space, updated countertops, newly updated cabinetry completed in 2026, stylish open shelving, and a dedicated coffee bar, perfect for everyday living and entertaining. Primary bedroom is generously sized and includes a walk in closet and an updated en suite bath with barn doors and a glass enclosed tile shower. The spacious guest bedroom is conveniently located near the second full bath. Sliding glass doors lead to an air conditioned and heated lanai that provides flexible space ideal for a den, home office, or third bedroom while overlooking a tranquil pond. Just off the lanai is a screened in porch, perfect for enjoying your morning coffee or relaxing while taking in the peaceful surroundings. The 2 car garage includes shelving, a workbench, a laundry area, and access to the screened in porch. Recent updates include a New roof in 2023, New water heater in 2021, New HVAC unit in 2016 & Compressor replaced in 2018, updated electrical panel in 2023, all water lines replaced in 2023, and a 1 year home warranty at closing, making this home truly move in ready. Oak Run offers a vibrant lifestyle with multiple pools, fitness centers, a golf course, a clubhouse, and various dining options. Golf carts are welcome, making it easy to explore and enjoy everything the community has to offer!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,415
Sqft
0.15 ac
Lot size
2
Garage
1987
Year built
One
Levels
$174
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.
$1,941 /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
$1,941/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
+28%
$/sqft vs Ocala actives
$174 vs $187
Days on market
188 vs 52 typical
Where $174/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
Get to know Ocala. See the full Ocala guide →
OCALA 34481 — neighborhood snapshot
Population
25,668
Median age
68.5
Median income
$54,639
Median home value
$213,000
Avg household
1.9
Households w/ children
978
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)
169 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 7% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10821 SW 87TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$169,000
8748 SW 109TH LANE · same community
2 bd · 2 ba · 1,224 sqft · $138/sqft · 37 DOM
Sold · May ’26$175,000
10898 SW 88TH COURT · same community
2 bd · 2 ba · 1,140 sqft · $154/sqft · 27 DOM
Sold · May ’26$178,000
10940 SW 87TH COURT · same community
2 bd · 2 ba · 960 sqft · $185/sqft · 2 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10821 SW 87TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10821 SW 87TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10821 SW 87TH TERRACE FAQs
What would the monthly payment be for 10821 SW 87TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,941/mo — principal and interest, the actual property-tax bill, the $146/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 10821 SW 87TH TERRACE?+
The association fee works out to $146 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10821 SW 87TH TERRACE?+
The most recent tax bill on record (2025) was $943. 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 10821 SW 87TH TERRACE?+
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 $245,900, this home is listed about 18% below the Ocala median of $298,888. The market section on this page shows how the area is trending.
Which schools are assigned to 10821 SW 87TH TERRACE?+
Dunnellon High School (high), Dunnellon Elementary School (elementary), Dunnellon Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS CORNERSTONE RE · Alexus Macblain. MLS #OM717887.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 10821 SW 87TH TERRACE but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jasmine to ping you on any price or status change →