6658 SW 109TH LANE, OCALA, FL, 34476
Pending78 days on marketListed May 20, 2026MLS #OM725048
About this home
6658 SW 109TH LANE
THIS HOME HAS IT ALL! Beautiful custom-built pool home in desirable Southwest Ocala! Built by America’s Finest Homes, this thoughtfully upgraded 3 bedroom, 2 bath home offers 1,724 living square feet with high-end finishes and exceptional attention to detail throughout. Located in Oak Ridge Estates this is the only newer construction home in the community featuring a private pool. Inside, you’ll find custom interior painted accent walls, upgraded granite/quartz countertops, Diamond cabinetry with soft-close dovetail drawers, custom molding and lighting, luxury vinyl flooring throughout, tray ceilings, rain glass French doors, cedar-lined walk-in closets, and an open-concept layout designed for comfortable living and entertaining. The kitchen features GE appliances, a large island with commercial-grade stainless sink, tile backsplash, and Delta fixtures. The spacious primary suite has a spa-like bathroom with tiled walk-in showers, custom mirrors, double vanities, and granite countertops. Outside, enjoy your own backyard retreat with a screened-in pool and solar heater, covered lanai, fresh exterior paint, professionally landscaped yard, and a 10x12 storage shed. There's MORE! Additional upgrades include epoxy-coated garage floors and front porch, Blue Tube UV air purification system for the HVAC, water softener system, Low-E hurricane impact glass, irrigation system, and a 50-year roof warranty. Conveniently located near shopping, dining, medical facilities, and everyday conveniences while still offering a peaceful neighborhood setting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,724
Sqft
0.21 ac
Lot size
2
Garage
2021
Year built
One
Levels
$222
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.
$2,914 /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
$2,914/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
+9.7%
Days on market
78 vs 48 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 Ocala
Get to know Ocala. See the full Ocala guide →
OCALA 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the OCALA 34476 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6658 SW 109TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6658 SW 109TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6658 SW 109TH LANE FAQs
What would the monthly payment be for 6658 SW 109TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,914/mo — principal and interest, the actual property-tax bill, the $95/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 6658 SW 109TH LANE?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6658 SW 109TH LANE?+
The most recent tax bill on record (2025) was $2,831. 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 6658 SW 109TH LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $382,900, this home is listed about 28% above the Ocala median of $298,990. The market section on this page shows how the area is trending.
Which schools are assigned to 6658 SW 109TH LANE?+
Liberty Middle School (middle), Marion Oaks 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
$382,900 runs 33% above the OCALA 34476 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $399,900, now $382,900 — a $17K cut. The full history is in the market section below.
Listing courtesy of LANGAN REALTY CO · Amanda Langan. MLS #OM725048.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 6658 SW 109TH LANE but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kemarie to ping you on any price or status change →