8898 SW 104TH CIRCLE, OCALA, FL, 34481
Active91 days on marketListed May 4, 2026MLS #OM724045
About this home
8898 SW 104TH CIRCLE
Virtually Staged. SOLAR HOME: located on an oversized landscaped lot in Avalon 7 at On Top of the World. This 2020 Ariana model offers 2 bedrooms, 2 bathrooms, a flex room with French doors, and a 2.5-car garage. Luxury vinyl plank flooring runs throughout the home. The kitchen features staggered cabinetry with soft-close doors and drawers, an oversized island, and Cambria quartz countertops. The kitchen opens to the great room with additional cabinetry and a built-in bar refrigerator. The primary suite includes an en suite bathroom with split dual vanities and a walk-in closet, along with a pass-through to the laundry room. The extended lanai provides outdoor living space with a semi-private rear view and includes solar shades and a gas hookup for a grill, with an additional concrete pad just outside the lanai. Additional features include epoxy garage flooring, shelving throughout for added storage, pull-down light-blocking shades in the primary bedroom, water softener, and a termite bond covering the home including the attic. Smart home features include solar panels, Ring doorbell, Ecobee thermostat, Lutron light switches, and a Hydrawise irrigation system for the fully irrigated yard. Residents of On Top of the World have access to the Recreation Center, the Arbors, the Summit, and Veterans Park.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,983
Sqft
0.25 ac
Lot size
2
Garage
2020
Year built
One
Levels
$189
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.
$3,263 /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
$3,263/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
−4.1%
$/sqft vs ON TOP OF THE WORLD
$189 vs $149
Days on market
91 vs 48 typical
Where $189/sqft sits among the 242 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)
109 of 242
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 60% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8898 SW 104TH CIRCLE
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$122,500
9871 SW 88TH TERRACE UNIT F · same community
2 bd · 2.5 ba · 1,982 sqft · $62/sqft · 10 DOM
Sold · Dec ’25$355,000
10361 SW 106TH COURT · same community
3 bd · 2 ba · 1,967 sqft · $180/sqft · 27 DOM
Sold · Dec ’25$200,000
8872 SW 92ND PLACE UNIT G · same community
2 bd · 2 ba · 1,895 sqft · $106/sqft · 37 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8898 SW 104TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8898 SW 104TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8898 SW 104TH CIRCLE FAQs
What would the monthly payment be for 8898 SW 104TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,263/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 8898 SW 104TH CIRCLE?+
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 8898 SW 104TH CIRCLE?+
The most recent tax bill on record (2025) was $3,020. 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 8898 SW 104TH 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 $374,750, this home is listed about 25% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8898 SW 104TH 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.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD REAL EST · Christy Main. MLS #OM724045.
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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