9077 SW 95TH AVENUE, OCALA, FL, 34481
Active137 days on marketListed Mar 22, 2026MLS #OM721113
About this home
9077 SW 95TH AVENUE
Welcome home to this move-in ready Hartford model located in the desirable Providence area of On Top of the World. This 2-bedroom, 2-bath home with a 2-car garage and flexible library or office space offers 1,701 square feet of comfortable living on a spacious .22-acre lot. Inside, you will find laminate flooring throughout the main living areas and bedrooms, creating a clean and low-maintenance feel. The open floor plan flows easily from the great room into the dining area, making it perfect for both everyday living and hosting guests. The kitchen sits at the heart of the home with great connection to the main living spaces. The primary suite offers a generous layout with a walk-in closet, dual sinks, and a walk-in shower. The split design provides privacy for guests, while the flex room gives you options for a home office, hobby space, or additional sleeping area. Step out to the screened patio, a great spot to relax, entertain, or enjoy Florida evenings year-round. Major updates include a NEW ROOF (2020), giving peace of mind for years to come. Located just a short golf cart ride to the incredible amenities that On Top of the World is known for, including indoor and outdoor pools, multiple golf courses, fitness centers, pickleball, clubs, and more. This gated 55+ community also offers convenient golf cart access to nearby shopping and dining. This home is part of a leasehold community, with a simplified fee structure that covers many community features, helping keep ownership straightforward and predictable. If you are looking for space, lifestyle, and value all wrapped into one, this one checks the boxes.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,701
Sqft
0.22 ac
Lot size
2
Garage
1998
Year built
One
Levels
$115
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.
$1,922 /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
$1,922/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
−17.6%
$/sqft vs Ocala actives
$115 vs $187
Days on market
137 vs 49 typical
Where $115/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 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)
162 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 15% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9077 SW 95TH AVENUE
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$365,000
10572 SW 104TH PLACE
2 bd · 2 ba · 1,718 sqft · $212/sqft · 0 DOM
Sold · Dec ’25$340,000
10414 SW 105TH TERRACE
2 bd · 2 ba · 1,767 sqft · $192/sqft · 5 DOM
Sold · Jul ’26$350,000
10371 SW 105TH TERRACE
2 bd · 2 ba · 1,767 sqft · $198/sqft · 0 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9077 SW 95TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9077 SW 95TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9077 SW 95TH AVENUE FAQs
What would the monthly payment be for 9077 SW 95TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,922/mo — principal and interest, the actual property-tax bill, the $479/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 9077 SW 95TH AVENUE?+
The association fee works out to $479 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9077 SW 95TH AVENUE?+
The most recent tax bill on record (2025) was $514. 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 9077 SW 95TH AVENUE?+
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 $196,000, this home is listed about 34% below the Ocala median of $298,819. The market section on this page shows how the area is trending.
Which schools are assigned to 9077 SW 95TH AVENUE?+
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
$196,000 is 15% below the OCALA 34481 median of $230,000, and at $115/sqft it sits under the Ocala average of $206.
02Time on market is leverage
137 days on market against a Ocala median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $210,000, now $196,000 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY · Mary Johnson. MLS #OM721113.
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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