11089 SW 78TH COURT, OCALA, FL, 34476
Pending53 days on marketListed Jun 16, 2026MLS #OM726751
About this home
11089 SW 78TH COURT
Welcome home to your new split bedroom design 3 bedroom, 2 bath, 2 car garage home in the sought after 55+ gated community of Palm Cay. 1,646 sq ft of living under heat and air makes this one of the largest homes in the community. This home features solid floors throughout, NO CARPET, with tile in the wet areas. Recently upgraded kitchen with loads of white cabinets, lots of quartz countertop space and newer stainless steel appliance suite to include side by side fridge/freezer with water/ice in door, easy to clean glass top stove/oven, dishwasher, and built-in above stove microwave. The primary suite features a en-suite bath with step-in tiled shower and dual sinks, cultured marble counters. The primary suite features a walk-in closet. Bedroom two has a walk-in closet and bedroom three has a regular wall closet. The guest bath features a tub/shower combo and cultured marble countertop, newer cabinetry to match the kitchen as well. Home has it all, a living room, a family room and a dining room, with sliders from the dining and family rooms leading to the Florida room. Home sits high and dry on a .23 of an acre lot, with a fenced in the backyard great for your furry friends, a 200 sq ft enclosed Florida room with ceiling fan and vinyl windows and screens as well as a 200 sq ft grilling patio. Additional features include Gutters and Downspouts, Screened Garage Door, Sprinkler System, INSIDE LAUNDRY with washer/dryer, Large Stainless Utility Sink, extra storage cabinets and extra fridge/freezer that conveys with home. This community offers a 24 hours guarded gate, clubhouse including a pool, gym and lots of activities, as well as being close to shopping, medical, dining, banking and more. Roof is 2015, A/C 2018 and Water heater is 2021. Palm Cay offers an excellent value for retiring in comfort without a lot of added expense from maintaining golf courses in the community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,646
Sqft
0.23 ac
Lot size
2
Garage
1990
Year built
One
Levels
$137
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.
$1,962 /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
$1,962/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
−10.2%
$/sqft vs Ocala actives
$137 vs $180
Days on market
53 vs 52 typical
Where $137/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 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)
161 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 22% below the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 11089 SW 78TH COURT
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$194,995
11153 SW 79TH AVENUE · same community
3 bd · 2 ba · 1,646 sqft · $118/sqft · 6 DOM
Sold · Jun ’26$210,000
7666 SW 112TH LANE · same community
3 bd · 2 ba · 1,404 sqft · $150/sqft · 35 DOM
Sold · Nov ’25$185,000
11248 SW 78TH COURT · same community
3 bd · 2 ba · 1,226 sqft · $151/sqft · 14 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
German Parra Tovar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 11089 SW 78TH COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11089 SW 78TH COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from German's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11089 SW 78TH COURT FAQs
What would the monthly payment be for 11089 SW 78TH COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,962/mo — principal and interest, the actual property-tax bill, the $124/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 11089 SW 78TH COURT?+
The association fee works out to $124 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11089 SW 78TH COURT?+
The most recent tax bill on record (2025) was $3,053. 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 11089 SW 78TH COURT?+
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 $225,000, this home is listed about 25% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11089 SW 78TH COURT?+
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.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY HWY 200 · Joe Jackson. MLS #OM726751.
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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