9326 SW 97TH CIRCLE, OCALA, FL, 34481
Pending90 days on marketListed May 1, 2026MLS #OM723915
About this home
9326 SW 97TH CIRCLE
Virtually Staged. Enjoy peaceful golf course living with a view of the 9th green from this highly desirable Ariana model in the Providence neighborhood of On Top of the World. Located in a maintenance-free section with no rear neighbors, this beautifully maintained home offers both privacy and convenience. This 2-bedroom, 2-bath home with a versatile flex room features 1,970 sq ft of thoughtfully designed living space, a 2-car garage, and additional golf cart parking. The open floor plan is enhanced by 18” diagonal tile throughout the main living areas, creating a bright and cohesive feel. The flex room, complete with French doors, is ideal for a home office, hobby space, or guest area. The kitchen is well-appointed with granite countertops, crown-molded cabinetry, and a custom tile backsplash—perfect for both everyday living and entertaining. Notable upgrades include crown molding, upgraded carpet and padding in the bedrooms, custom interior paint, ceiling fans, enhanced dining room lighting, an upgraded front door, gutters, and stacked stone exterior accents. The primary bath features an upgraded walk-in shower with non-slip tile for added comfort and safety. Relax on the lanai and take in beautiful sunset views over lush green space and golf course, all comfortably shaded by a sunshade. Internet service and exterior maintenance are included, and an additional Samsung refrigerator conveys with the home. Residents of On Top of the World enjoy access to a premier 55+ active adult lifestyle with extensive amenities, plus convenient golf cart access to shopping, dining, banking, and more.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,970
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
One
Levels
$173
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.
$3,204 /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
$3,204/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
−12.4%
Days on market
90 vs 43 typical
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9326 SW 97TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9326 SW 97TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9326 SW 97TH CIRCLE FAQs
What would the monthly payment be for 9326 SW 97TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,204/mo — principal and interest, the actual property-tax bill, the $494/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 9326 SW 97TH CIRCLE?+
The association fee works out to $494 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9326 SW 97TH CIRCLE?+
The most recent tax bill on record (2025) was $4,789. 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 9326 SW 97TH CIRCLE?+
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 $339,900, this home is listed about 14% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9326 SW 97TH CIRCLE?+
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
01Positioned at the premium end
$339,900 runs 47% above the OCALA 34481 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
90 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $349,900, now $339,900 — a $10K cut. The full history is in the market section below.
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Sheila McKathan. MLS #OM723915.
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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