CENTURY 21 Edge
Pending
$604,000$629,0002 bd2 ba2,049 sqft$295 /sqft$4,285 /mo all-in ↓

5481 SW 92ND AVENUE ROAD, OCALA, FL, 34481

Pending81 days on marketListed May 21, 2026MLS #OM725072

Reduced $25KPrivate poolSingle Family ResidenceSTONE CREEK

About this home

5481 SW 92ND AVENUE ROAD

Put this one at the top of your list, as homes like this don’t come around often! This exceptional Mystique Model situated on a premium lot offers resort-style living at its finest, complete with a sparkling saltwater pool and serene golf course views in the 55+ Stone Creek Golf Course community. Thoughtfully designed with 2 bedrooms, 2 baths, a versatile flex room, and an extended garage, this home is more than just a residence; it's your ticket to vibrant, resort-inspired living. Beautifully maintained custom landscaping with river-rock accents, concrete curbing, and a paver-lined drive and walkway creates a welcoming first impression. Inside, the stylishly upgraded interior features highlight upgraded tile plank flooring, volume ceilings, tall baseboards, crown molding, 8' interior doors, and a light, neutral palette that keeps the home feeling bright and airy. The gathering room offers an easy place to relax or host guests, finished with a striking tray ceiling, an electric fireplace, and large sliders that showcase the priceless golf course views. Step outside to a private outdoor space with a solar-heated saltwater pool and a panoramic-view screen enclosure that brings the fairway backdrop into everyday living, ideal for quiet mornings or casual get-togethers. An extended dining area with a built-in serving bar and wine fridge connects seamlessly to the kitchen, creating a layout that works well for both daily routines and entertaining. The gourmet kitchen features quartz countertops, soft-close cabinetry, a built-in oven, a separate cooktop with stainless steel hood, glass tile backsplash, under-cabinet lighting, and a pantry closet. A spacious center island with pendant lighting adds extra prep space and comfortable seating for casual meals or conversation. The owner’s suite provides a peaceful space to retreat, along with a custom-designed walk-in closet that includes tailored hanging spaces, built-in shelving, and dedicated storage zones that make organization effortless. The spa-inspired bath features a beautifully tiled walk-in shower with a frameless glass door, while a niche provides space for a dressing table or seating bench. Soft-close cabinetry and quartz countertops complete the elegant, thoughtfully curated finishes. The guest bedroom is equally charming with a bay window, ceiling fan, and upgraded finishes throughout the adjacent guest bath. The extended garage impresses with Shark-Coating floors, overhead storage, and plenty of space for your golf cart or a hobby area. Additional thoughtful upgrades include a whole-home water softener, high/low TV outlets in the living room, flex room, and primary bedroom, a well-appointed laundry room with upper and lower cabinets, sink, and folding counter, and a convenient mudroom near the garage entry. Embrace the exceptional lifestyle of this vibrant community, featuring a 24/7 staffed gated entrance for security and peace of mind. Luxury-inspired amenities include heated pools, a state-of-the-art fitness center, a spa, and relaxing hot tubs and saunas. Stay active with pickleball, bocce, tennis, and a softball field, while a dedicated lifestyle staff curates entertainment, activities, and special events to foster connections. Just beyond the gates, enjoy a golf course, pro shop, and restaurant—perfect for socializing and unwinding. Make your move today and experience resort-style living at its finest!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

2,049

Sqft

0.19 ac

Lot size

2

Garage

2022

Year built

One

Levels

$295

Per sqft

Private poolGolf Course & Pool view55+ communityPets allowed

Inside

FlooringTile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range Hood · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewGolf Course · Pool
FacesSouthwest
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$265/mo
Taxes (2025)$4,495/yr
PetsYes
CommunityLake · Association Recreation - Owned · Clubhouse · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Restaurant · Sidewalks · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · Private · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPrivate

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.

$4,285 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,259
PMI (est., until 20% equity)$227
Property tax — 2025 actual bill$375
HOA fee — from the listing$265
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $60,400Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $60,400
Interest rate6.00%
Loan term

Estimated payment

$4,285/mo

Principal & interest$3,259
PMI (est., until 20% equity)$227
Property taxes (actual bill)$375
HOA / condo fee$265
Est. insurance$160

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.

List $604K
$501KedgeAI estimate $526,436 · range $522K$528K$628K

vs edgeAI estimate

+14.7%

Days on market

81 vs 53 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

Map of 5481 SW 92ND AVENUE ROAD

Get to know Ocala. See the full Ocala guide →

OCALA 34481 — neighborhood snapshot

Population

25,668

Median age

68.5

Median income

$54,639

Median home value

$213,000

Avg household

1.9

Households w/ children

978

For the school run

Marion County School District

HighDunnellon High School★★★★★
ElementaryDunnellon Elementary School★★★★★
MiddleDunnellon Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ocala market

Seller’s marketLeans seller4.8 months of inventoryBuyer’s 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 163% above the OCALA 34481 median. See the full Ocala market guide →

Paper trail

This home's history

CurrentPrice reduced to $604,000 $25K
May 21, 2026Listed at $629,000 · 81 days on market since
2022Built · STONE CREEK

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.

Arlinda Gokyar

Your agent

Arlinda Gokyar

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5481 SW 92ND AVENUE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5481 SW 92ND AVENUE ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

5481 SW 92ND AVENUE ROAD FAQs

What would the monthly payment be for 5481 SW 92ND AVENUE ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,285/mo — principal and interest, the actual property-tax bill, the $265/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 5481 SW 92ND AVENUE ROAD?+

The association fee works out to $265 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5481 SW 92ND AVENUE ROAD?+

The most recent tax bill on record (2025) was $4,495. 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 5481 SW 92ND AVENUE 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 $604,000, this home is listed about 102% above the Ocala median of $298,888. The market section on this page shows how the area is trending.

Which schools are assigned to 5481 SW 92ND AVENUE ROAD?+

Dunnellon High School (high), Dunnellon Elementary School (elementary), Dunnellon Middle School (middle) — 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

$604,000 runs 163% above the OCALA 34481 median — but at 2,049 sqft it's also 19% larger than the typical Ocala listing.

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 $629,000, now $604,000 — a $25K cut. The full history is in the market section below.

Listing courtesy of REAL BROKER LLC - OCALA · Anthony Alfarone. MLS #OM725072.

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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