9859 SW 97TH LANE, OCALA, FL, 34481
Active171 days on marketListed Feb 15, 2026MLS #OM718031
About this home
9859 SW 97TH LANE
Virtually Staged. Welcome to this Trieste model home situated on a private lot in the desirable Crescent Ridge neighborhood of On Top of the World. This one-owner residence offers 2 bedrooms, 2 bathrooms and a 1.5-car garage with a comfortable and functional layout. Recent updates include brand new luxury vinyl plank flooring throughout, new side garage door, new tile flooring in the screened lanai, new toilets and a freshly repainted interior, creating a move-in-ready environment. Major improvements include a roof replaced in 2016 and HVAC system installed in 2020. The monthly HOA fee provides exceptional value and includes basic Spectrum cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash and recycling services and 24/7 monitored gated access. Residents enjoy the vibrant lifestyle of On Top of the World, Ocala’s premier active 55 plus community, featuring golf, swimming, fitness centers and a wide variety of social and recreational opportunities. Conveniently located close to medical facilities, shopping, restaurants, and I-75.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,093
Sqft
0.18 ac
Lot size
1
Garage
1999
Year built
One
Levels
$133
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.
$1,665 /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
$1,665/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
+1.3%
$/sqft vs ON TOP OF THE WORLD
$133 vs $149
Days on market
171 vs 49 typical
Where $133/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)
112 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 37% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9859 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$108,000
2431 CANADIAN WAY UNIT 9 · same community
2 bd · 1 ba · 1,100 sqft · $98/sqft · 79 DOM
Sold · Dec ’25$175,000
2071 AUSTRALIA WAY W UNIT 9 · same community
2 bd · 2 ba · 1,100 sqft · $159/sqft · 98 DOM
Sold · Dec ’25$115,000
2358 ECUADORIAN WAY UNIT 56 · same community
2 bd · 2 ba · 1,100 sqft · $105/sqft · 412 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 9859 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 9859 SW 97TH 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
9859 SW 97TH LANE FAQs
What would the monthly payment be for 9859 SW 97TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,665/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 9859 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 9859 SW 97TH LANE?+
The most recent tax bill on record (2025) was $900. 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 9859 SW 97TH 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 $144,900, this home is listed about 52% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9859 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
01Under the OCALA 34481 market on paper
$144,900 is 37% below the OCALA 34481 median of $230,000, and at $133/sqft it sits under the Ocala average of $207.
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
171 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 $159,900, now $144,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLSTARS REALTY · Denise Bibeau. MLS #OM718031.
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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