8943 SW 86TH LOOP, OCALA, FL, 34481
Active6 days on marketListed Aug 20, 2026MLS #OM730794
About this home
8943 SW 86TH LOOP
Privacy, views, and exceptional living come together in this beautifully appointed Expanded Huntley 2, ideally located in Candler Hills, the Estate section of On Top of the World. Set on a gorgeous, fully sodded St. Augustine lot overlooking a sweeping wooded retention pond, this property offers a peaceful, private backdrop with no close rear neighbors and plenty of room to enjoy the outdoors. Inside, the thoughtfully designed split-bedroom floor plan features 3 bedrooms and 2 bathrooms, with a spacious great room that provides the perfect setting for entertaining or relaxing. A formal dining area offers flexibility and can easily serve as a second living space, while the large kitchen takes full advantage of the spectacular backyard views. The gourmet kitchen is designed for both everyday living and entertaining, featuring solid maple cabinetry with 42-inch uppers, crown molding, convenient pull-outs, granite countertops, a tile backsplash, and newer stainless-steel appliances. The gas cooktop and built-in oven make this kitchen as functional as it is beautiful. The spacious primary suite is a true retreat, highlighted by a tray ceiling and a generous ensuite bath with dual-sink vanity, dedicated makeup area, Roman-style walk-in shower, and an impressive walk-in closet. Two additional bedrooms provide comfortable accommodations for guests, hobbies, or office space. Outdoor living is equally impressive. The screened lanai opens to an oversized paver patio, creating an ideal space for entertaining, dining, or simply enjoying the peaceful, wooded view. The patio is already gas-plumbed for a grill or fire pit, making it easy to create your own outdoor gathering space. The list of upgrades and thoughtful touches continues with tile flooring set on the diagonal throughout the main living areas, like-new carpet in the bedrooms, designer paint, Hunter Douglas window treatments, crown molding throughout, and an attractive stone facade. The oversized 2.5-car garage comfortably accommodates two vehicles plus a golf cart, or provides the perfect space for a workshop, hobbies, or additional storage. Additional peace of mind comes with a one-year home warranty included with the purchase. Curb appeal is exceptional, with a meticulously maintained St. Augustine lawn, full irrigation, and the convenience of curbside mail and waste collection. The home's location within Candler Hills also provides easy access to multiple community entrances and all the amenities that make On Top of the World such a desirable place to call home. As a Candler Hills resident, you'll enjoy the extensive amenities of On Top of the World along with exclusive Candler Hills amenities, including the nearby Lodge and the future Azura. On Top of the World is Ocala's premier 55+ active adult, golf resort community, offering world-class amenities and golf cart access to shopping, dining, entertainment, banking, health and beauty services, and so much more. One year home warranty. $15k in flex cash to be used for rate buy down, price buy down, or closing costs.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,330
Sqft
0.19 ac
Lot size
2
Garage
2014
Year built
One
Levels
$172
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.
$3,377 /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
$3,377/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
−10.5%
$/sqft vs CANDLER HILLS
$172 vs $207
Days on market
6 vs 53 typical
Where $172/sqft sits among the 34 homes for sale in CANDLER HILLS
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 → $283K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
7 of 34
CANDLER HILLS have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 78% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8943 SW 86TH LOOP
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$438,000
8484 SW 99TH CIRCLE · same community
3 bd · 3 ba · 2,373 sqft · $185/sqft · 65 DOM
Sold · Sep ’25$479,000
10059 SW 82ND PLACE ROAD · same community
3 bd · 3 ba · 2,373 sqft · $202/sqft · 6 DOM
Sold · Dec ’25$321,000
8423 SW 82ND CIRCLE · same community
3 bd · 2 ba · 2,283 sqft · $141/sqft · 242 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8943 SW 86TH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8943 SW 86TH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8943 SW 86TH LOOP FAQs
What would the monthly payment be for 8943 SW 86TH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,377/mo — principal and interest, the actual property-tax bill, the $366/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 8943 SW 86TH LOOP?+
The association fee works out to $366 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8943 SW 86TH LOOP?+
The most recent tax bill on record (2025) was $3,841. 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 8943 SW 86TH LOOP?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $399,900, this home is listed about 34% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8943 SW 86TH LOOP?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$399,900 runs 78% above the OCALA 34481 median — but at 2,330 sqft it's also 33% larger than the typical Ocala listing.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a Ocala market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD REAL EST · Tammy Coughlin. MLS #OM730794.
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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