8964 SW 95TH STREET UNIT A, OCALA, FL, 34481
Active7 days on marketListed Aug 21, 2026MLS #OM730844
About this home
8964 SW 95TH STREET UNIT A
Welcome home to this beautifully maintained Winthrop Villa, one of the most sought-after villa floor plans in Friendship Park at On Top of the World. Ideally situated on a private end-unit lot with no rear neighbors, this spacious 3-bedroom, 2-bathroom home with an extended 2-car garage offers the perfect combination of privacy, comfort, and low-maintenance living. From the moment you step inside, you'll appreciate the open layout highlighted by vaulted ceilings that enhance the spacious great room. The well-designed kitchen features a center island, abundant cabinetry, a large pantry, and newer stainless steel appliances, making it equally suited for everyday living and entertaining. The thoughtfully designed split-bedroom floor plan provides exceptional privacy. The spacious primary suite offers a large walk-in closet and an ensuite bathroom complete with a large sink vanity and walk-in shower. Guests will enjoy their own private wing featuring a generously sized second bedroom and adjacent full bath. The versatile third bedroom, complete with a closet and a French door that allows natural light to flow in, is ideal as a home office, hobby room, or additional guest space. One of the reasons the Winthrop remains a favorite floor plan is its generous interior living space and convenient indoor laundry closet- a feature that maximizes functionality without sacrificing living space. Outside, you'll find meticulously maintained landscaping that creates beautiful curb appeal, while the fenced backyard offers a rare and valuable space for pets, gardening, or simply relaxing in complete privacy with no rear neighbors. This lovingly cared-for home is truly move-in ready with a brand-new HVAC (2026), newer stainless steel appliances, and exceptional pride of ownership evident throughout. Shutter blinds and furniture available to negotiate Located in Friendship Park at On Top of the World, Ocala's premier 55+ active adult, golf resort community, residents enjoy world-class amenities, multiple golf courses, fitness centers, indoor and outdoor pools, pickleball and tennis courts, walking trails, clubs, entertainment, and the convenience of golf cart access to shopping, dining, banking, healthcare, and everyday services. Discover the resort lifestyle you've been dreaming of in one of the community's most popular villa floor plans.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,728
Sqft
0 ac
Lot size
2
Garage
1998
Year built
One
Levels
$116
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.
$1,982 /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
$1,982/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.
$/sqft vs ON TOP OF THE WORLD
$116 vs $141
Days on market
7 vs 53 typical
Where $116/sqft sits among the 232 homes for sale in ON TOP OF THE WORLD
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)
110 of 232
ON TOP OF THE WORLD have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8964 SW 95TH STREET UNIT A
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$155,000
8959 SW 96TH LANE UNIT A · same community
2 bd · 2 ba · 1,728 sqft · $90/sqft · 124 DOM
Sold · Dec ’25$340,000
10414 SW 105TH TERRACE · same community
2 bd · 2 ba · 1,767 sqft · $192/sqft · 5 DOM
Sold · Dec ’25$247,500
9155 SW 83RD COURT UNIT C · same community
2 bd · 2 ba · 1,886 sqft · $131/sqft · 39 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 8964 SW 95TH STREET UNIT A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8964 SW 95TH STREET UNIT A — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8964 SW 95TH STREET UNIT A FAQs
What would the monthly payment be for 8964 SW 95TH STREET UNIT A?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,982/mo — principal and interest, the actual property-tax bill, the $479/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 8964 SW 95TH STREET UNIT A?+
The association fee works out to $479 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8964 SW 95TH STREET UNIT A?+
The most recent tax bill on record (2025) was $928. 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 8964 SW 95TH STREET UNIT A?+
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 $199,990, this home is listed about 33% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8964 SW 95TH STREET UNIT A?+
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
01Under the OCALA 34481 market on paper
$199,990 is 11% below the OCALA 34481 median of $225,000, and at $116/sqft it sits under the Ocala average of $206.
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 7 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 #OM730844.
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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