8221 SW 78TH TERRACE ROAD, OCALA, FL, 34476
Active1 days on marketListed Aug 17, 2026MLS #OM730549
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Upcoming open house
Sat, Aug 22
10:00 AM – 11:30 AM
About this home
8221 SW 78TH TERRACE ROAD
Over $44k in upgrades! Popular, light and bright, open floor plan, smart home Orchid model, situated on a quiet, cul-de-sac in the much sought after Indigo East community of On Top of the World. This 3-bedroom, 2-bathroom, 2-car, garage boasts a beautiful kitchen with stainless steele appliances, gas cooktop, lots of kitchen cabinet storage, quartz countertops with a beautiful backsplash and a 15.5-foot, quartz counter island, perfect for preparing food, or entertaining and stainless-steel sink. The opposite side of the island could accommodate up to 6 people. Tile flooring throughout the whole house. A large master bedroom and master bath shower with zero entry and built-in bench, and a huge walk-in closet. The two guest bedrooms have convenient access to a full bathroom with quartz countertops and a tub/shower combo. The inside laundry room includes the washer, dryer, storage cabinets and clothes, folding area. Other features include, a large 400 sq ft, screened enclosure (bird cage), and a screened garage door. The home is pet and smoke free and was painted on the exterior in 2024. Indigo East has curbside mail service and waste collection. Indigo East offers a low HOA and amenities that include: clubhouse, pool, fitness studio, dog park and more! For an additional fee, the Gateway Pass provides the option to use the amenities at On Top of the World, where you can enjoy indoor/outdoor pools, 2 restaurants, multiple exercise facilities with plenty of top-of-the-line equipment, water aerobics, yoga, exercise classes, steam and sauna, Pickleball courts, RC plane airport, RC car track, min golf, wood working, 100’s of clubs and continuing education, bocce, horseshoes, shuffleboard, billiards, game room. Social activities galore with great residents. Indigo East is part of Ocala's On Top of the World premiere, gated, active 55+ community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,874
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
One
Levels
$170
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.
$2,841 /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
$2,841/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
+1.7%
$/sqft vs INDIGO EAST
$170 vs $172
Days on market
1 vs 52 typical
Where $170/sqft sits among the 7 homes for sale in INDIGO EAST
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)
1 of 7
INDIGO EAST have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8221 SW 78TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$241,000
8033 SW 81ST LOOP · same community
3 bd · 2 ba · 1,945 sqft · $124/sqft · 80 DOM
Sold · May ’26$257,300
7790 SW 80TH PL ROAD · same community
3 bd · 2 ba · 2,032 sqft · $127/sqft · 5 DOM
Sold · Oct ’25$330,000
7845 SW 80TH PLACE ROAD · same community
3 bd · 2 ba · 2,108 sqft · $157/sqft · 49 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8221 SW 78TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8221 SW 78TH TERRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8221 SW 78TH TERRACE ROAD FAQs
What would the monthly payment be for 8221 SW 78TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,841/mo — principal and interest, the actual property-tax bill, the $268/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 8221 SW 78TH TERRACE ROAD?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8221 SW 78TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $4,807. 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 8221 SW 78TH TERRACE ROAD?+
The listing reports pets: Cats OK, Dogs OK, 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 $318,000, this home is listed about 6% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8221 SW 78TH TERRACE ROAD?+
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 · Carlos Acosta. MLS #OM730549.
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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