8176 SW 98TH TERRACE ROAD, OCALA, FL, 34481
Active148 days on marketListed Mar 11, 2026MLS #OM720419
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Upcoming open house
Sat, Aug 22
2:00 PM – 3:30 PM
About this home
8176 SW 98TH TERRACE ROAD
Virtually Staged. Located in the Candler Hills neighborhood of On Top of the World, this Aberdeen model offers 3 bedrooms, 3 bathrooms, a flex room, and a 3-car garage with a 2–1 split configuration, providing both space and functionality for comfortable living. The property is situated on a privacy lot with a dry retention area and wooded space behind the home, offering a peaceful backdrop. The thoughtfully designed floor plan includes a junior suite with its own private bath, making it ideal for guests or multigenerational living. A flex space near the front of the home provides the perfect area for a home office, hobby room, or den. The main living areas feature luxury vinyl plank flooring, creating a bright and cohesive flow throughout the home. The gourmet kitchen is designed for both everyday living and entertaining, featuring upgraded finishes, generous counter space, and a walk-in pantry for added storage and convenience. The primary suite offers a comfortable retreat with ample space and a well-appointed ensuite bathroom, while one additional bedroom provides flexibility for guests or additional living needs. Residents of Candler Hills at On Top of the World, a 55+ active adult community, enjoy access to a wide range of amenities including pickleball, fitness centers, resort-style pools, walking trails, clubs, and social activities, along with convenient access to shopping, dining, and medical facilities. This home offers an excellent opportunity to enjoy the Florida lifestyle within a vibrant and active community.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,893
Sqft
0.23 ac
Lot size
3
Garage
2024
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.
$3,943 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,943/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+2.9%
$/sqft vs CANDLER HILLS
$202 vs $219
Days on market
148 vs 48 typical
Where $202/sqft sits among the 28 homes for sale in CANDLER HILLS
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)
5 of 28
CANDLER HILLS have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 154% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8176 SW 98TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$496,000
8522 SW 99TH CIRCLE · same community
3 bd · 3 ba · 2,907 sqft · $171/sqft · 96 DOM
Sold · Jun ’26$485,000
10127 SW 82ND PLACE ROAD · same community
3 bd · 3 ba · 2,870 sqft · $169/sqft · 7 DOM
Sold · Sep ’25$480,000
10008 SW 85TH PLACE ROAD · same community
3 bd · 3 ba · 2,870 sqft · $167/sqft · 24 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8176 SW 98TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8176 SW 98TH TERRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8176 SW 98TH TERRACE ROAD FAQs
What would the monthly payment be for 8176 SW 98TH TERRACE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,943/mo — principal and interest, the actual property-tax bill, the $366/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 8176 SW 98TH TERRACE ROAD?+
The association fee works out to $366 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8176 SW 98TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $493. 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 8176 SW 98TH TERRACE ROAD?+
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 $585,000, this home is listed about 96% above the Ocala median of $298,990. The market section on this page shows how the area is trending.
Which schools are assigned to 8176 SW 98TH TERRACE ROAD?+
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
$585,000 runs 154% above the OCALA 34481 median — but at 2,893 sqft it's also 68% larger than the typical Ocala listing.
02Time on market is leverage
148 days on market against a Ocala median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $635,000, now $585,000 — a $50K 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 · Christy Main. MLS #OM720419.
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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