9078 SW 82ND TERRACE UNIT D, OCALA, FL, 34481
Active6 days on marketListed Aug 22, 2026MLS #OM730882
About this home
9078 SW 82ND TERRACE UNIT D
Virtually Staged. This Montgomery model end-unit villa offers an appealing combination of privacy, thoughtful updates, and an end-unit location with a retention pond behind the villa and no close rear neighbors. Inside, luxury vinyl plank flooring installed in 2023 extends throughout the home, including both bathrooms, creating a clean, cohesive look with no carpet. The kitchen has been updated with solid wood cabinetry featuring convenient pull-out storage and granite countertops, providing generous storage and workspace. The primary bathroom has been refreshed with an updated vanity and new shower doors, while comfort-height toilets in both bathrooms add everyday convenience. Additional improvements include a 2019 roof, updated HVAC, and a December 2023 water heater. The lanai features newer windows, creating additional space to relax and enjoy the added separation from neighboring homes. The garage includes a newer garage door opener with the ability to add phone-controlled operation. With its end-unit location, no close neighbors behind, updated interior, and major improvements already completed, this Montgomery villa offers a comfortable, low-maintenance Florida lifestyle. Located in On Top of the World, residents enjoy golf, swimming pools, fitness centers, pickleball, recreation, clubs, entertainment, and golf-cart access to shopping, dining, and everyday conveniences.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,409
Sqft
0.04 ac
Lot size
2
Garage
1989
Year built
One
Levels
$135
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.
$1,927 /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
$1,927/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
+29.2%
$/sqft vs ON TOP OF THE WORLD
$135 vs $141
Days on market
6 vs 53 typical
Where $135/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 16% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9078 SW 82ND TERRACE UNIT D
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$158,900
9575 SW 92ND STREET ROAD · same community
2 bd · 2 ba · 1,414 sqft · $112/sqft · 7 DOM
Sold · Dec ’25$131,000
2360 WORLD PARKWAY BOULEVARD UNIT 38 · same community
2 bd · 2 ba · 1,400 sqft · $94/sqft · 47 DOM
Sold · Mar ’26$155,000
2071 AUSTRALIA WAY W UNIT 37 · same community
2 bd · 2 ba · 1,400 sqft · $111/sqft · 12 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 9078 SW 82ND TERRACE UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9078 SW 82ND TERRACE UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9078 SW 82ND TERRACE UNIT D FAQs
What would the monthly payment be for 9078 SW 82ND TERRACE UNIT D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,927/mo — principal and interest, the actual property-tax bill, the $494/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 9078 SW 82ND TERRACE UNIT D?+
The association fee works out to $494 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9078 SW 82ND TERRACE UNIT D?+
The most recent tax bill on record (2025) was $850. 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 9078 SW 82ND TERRACE UNIT D?+
The listing reports pets: Cats OK, Dogs OK. 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 $190,000, this home is listed about 36% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9078 SW 82ND TERRACE UNIT D?+
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
$190,000 is 16% below the OCALA 34481 median of $225,000, and at $135/sqft it sits under the Ocala average of $206.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods 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 FLORIDA ADVANTAGE REALTY GROUP · Colleen Skeffington. MLS #OM730882.
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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