8830 SW 98 PLACE UNIT M, OCALA, FL, 34481
Active177 days on marketListed Feb 11, 2026MLS #OM718473
About this home
8830 SW 98 PLACE UNIT M
Located in On Top of the World, a premier active resort-style, gated golf community, this beautifully maintained Americana Village features 2 bedrooms, 2.5 baths, two assigned parking spaces (one covered), storage, a 2017 roof, and 2014 HVAC. Enjoy a fenced patio and screened porch perfect for relaxing. The first floor offers a flex room with laundry, half bath, spacious kitchen, and open great room. Upstairs includes a guest bedroom and a primary suite with two walk-in closets. HOA covers cable, exterior maintenance, roof, landscaping, security, and full access to resort-style amenities including pools, fitness centers, sports courts, and 175+ clubs. Convenient to shopping, dining, and medical.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,764
Sqft
0.02 ac
Lot size
1984
Year built
Two
Levels
$68
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.
$1,581 /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
$1,581/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
−19.2%
$/sqft vs ON TOP OF THE WORLD
$68 vs $145
Days on market
177 vs 50 typical
Where $68/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)
111 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 48% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8830 SW 98 PLACE UNIT M
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$340,000
10414 SW 105TH TERRACE · same community
2 bd · 2 ba · 1,767 sqft · $192/sqft · 5 DOM
Sold · Dec ’25$155,000
8959 SW 96TH LANE UNIT A · same community
2 bd · 2 ba · 1,728 sqft · $90/sqft · 124 DOM
Sold · Dec ’25$247,500
9155 SW 83RD COURT UNIT C · same community
2 bd · 2 ba · 1,886 sqft · $131/sqft · 39 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 8830 SW 98 PLACE UNIT M — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8830 SW 98 PLACE UNIT M — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8830 SW 98 PLACE UNIT M FAQs
What would the monthly payment be for 8830 SW 98 PLACE UNIT M?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,581/mo — principal and interest, the actual property-tax bill, the $531/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 8830 SW 98 PLACE UNIT M?+
The association fee works out to $531 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8830 SW 98 PLACE UNIT M?+
The most recent tax bill on record (2025) was $1,567. 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 8830 SW 98 PLACE UNIT M?+
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 $120,000, this home is listed about 60% below the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 8830 SW 98 PLACE UNIT M?+
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
01Under the OCALA 34481 market on paper
$120,000 is 48% below the OCALA 34481 median of $229,900, and at $68/sqft it sits under the Ocala average of $206.
02Know the monthly fee
The association fee is $531/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
177 days on market against a Ocala median of 50 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of MARTY & HUGGINS REALTY · Paola Sharkey. MLS #OM718473.
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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