CENTURY 21 Edge
$775,0003 bd3 ba2,523 sqft$307 /sqft$5,655 /mo all-in ↓

6107 SW 86TH CIRCLE, OCALA, FL, 34481

Active0 days on marketListed Aug 26, 2026MLS #OM731000

Private poolSingle Family ResidenceSTONE CRK BY DEL WEBB LEXINGTO

About this home

6107 SW 86TH CIRCLE

POOL HOME ON THE GOLF COURSE. On the Beautiful 16th Fairway in a Sought-After Guard-Gated 55+ Community. Welcome to elevated Florida living in the highly desirable Del Webb Stone Creek. This beautifully upgraded Stellar model sits on the picturesque 16th fairway, offering the perfect blend of resort-style outdoor living, thoughtful upgrades, and true peace of mind in a secure, active 55+ community. From the moment you arrive, the curb appeal impresses. A hardscaped paver driveway and carefully designed landscape beds, illuminated by custom low-voltage lighting, set an elegant tone. The screened front entry welcomes the Florida breeze while creating a graceful transition into the home. Step inside and feel the quality. The solid beauty of tile flooring flows throughout, complemented by 8-foot doors that enhance the sense of openness and light. The open-concept interior is ideal for both everyday living and entertaining, featuring a tray ceiling in the gathering room and expansive views that draw the eye to the sparkling pool and golf course beyond. Granite countertops and upgraded KitchenAid appliances elevate the kitchen, while wiring and wall supports are already in place for wall-mounted TVs. The office is thoughtfully prepared with Ethernet wiring for a direct, reliable computer connection. In the bathrooms, shower wall tiles extend fully to the ceiling for a polished, spa-like finish. A whole-home Wi-Fi extender keeps connectivity strong throughout. The outdoor living space is the true showstopper. Step out to the screened lanai and discover your private resort-style retreat overlooking the beautiful 16th fairway. The saltwater pool features an impressive lighting package, a heater with cooling capability, and self-chlorinating technology. Heavy-duty roll-down screens and an electronic privacy screen give you complete control over openness or seclusion. The lanai is pre-plumbed for a future summer kitchen—ready for your next chapter of outdoor entertaining. Every practical detail has been elevated for comfort, efficiency, and security. A whole-house 24kW generator with a 250-gallon underground propane tank provides reliable backup power. Additional attic insulation in the garage and lanai, along with an insulated garage door, improve energy efficiency. The garage itself features a 4-foot extension, epoxy floor coating, and a water heater with an attached heat pump that helps keep the garage cooler. A hard-wired security system with door and window sensors, plus two hard-wired outdoor cameras, offers comprehensive protection. Completing the laundry experience is a direct-drive pedestal LG washer and dryer. This exceptional Stellar model delivers far more than a beautiful home—it delivers a refined 55+ lifestyle. Morning coffee with fairway views. Afternoon swims in your heated saltwater pool. Effortless evenings entertaining under the Florida sky. Every upgrade has been thoughtfully chosen so you can simply enjoy. Come experience why this is Florida living at its finest. Schedule your private tour and discover how quickly this home becomes more than a possibility—it becomes home.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,523

Sqft

0.2 ac

Lot size

3

Garage

2024

Year built

One

Levels

$307

Per sqft

Private poolGolf Course view55+ communityPets allowed

Inside

FlooringCarpet · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Electric Water Heater · Microwave
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Solid Wood Cabinets · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewGolf Course
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$320/mo
Taxes (2025)$8,434/yr
PetsYes
CommunityLake · Association Recreation - Owned · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Restaurant · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Electricity Connected · Private · Sewer Available · Sewer Connected · Street Lights · Underground Utilities · Water Available · Water Connected
WaterPrivate

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.

$5,655 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,182
PMI (est., until 20% equity)$291
Property tax — 2025 actual bill$703
HOA fee — from the listing$320
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $77,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $77,500
Interest rate6.00%
Loan term

Estimated payment

$5,655/mo

Principal & interest$4,182
PMI (est., until 20% equity)$291
Property taxes (actual bill)$703
HOA / condo fee$320
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $775K
$662KedgeAI estimate $745,804 · range $689K$811K$843K

vs edgeAI estimate

+3.9%

Days on market

0 vs 53 typical

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 34481 — neighborhood snapshot

Population

25,668

Median age

68.5

Median income

$54,639

Median home value

$213,000

Avg household

1.9

Households w/ children

978

For the school run

Marion County School District

MiddleLiberty Middle School★★★★★
HighWest Port High School★★★★★
ElementaryMarion Oaks Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ocala market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$285K$283K

Ocala median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 244% above the OCALA 34481 median. See the full Ocala market guide →

Paper trail

This home's history

Aug 26, 2026Listed at $775,000 · 0 days on market since
2024Built · STONE CRK BY DEL WEBB LEXINGTO

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.

Jasmine Ince

Your agent

Jasmine Ince

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6107 SW 86TH CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6107 SW 86TH CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

6107 SW 86TH CIRCLE FAQs

What would the monthly payment be for 6107 SW 86TH CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,655/mo — principal and interest, the actual property-tax bill, the $320/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 6107 SW 86TH CIRCLE?+

The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6107 SW 86TH CIRCLE?+

The most recent tax bill on record (2025) was $8,434. 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 6107 SW 86TH CIRCLE?+

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 $775,000, this home is listed about 159% above the Ocala median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6107 SW 86TH CIRCLE?+

Liberty Middle School (middle), West Port High School (high), Marion Oaks Elementary School (elementary) — 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

$775,000 runs 244% above the OCALA 34481 median — but at 2,523 sqft it's also 44% larger than the typical Ocala listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Fresh on the market

Listed today in a Ocala market that averages 53 — if it fits, move quickly.

Listing courtesy of NEXT GENERATION REALTY OF MARION COUNTY · Deborah Sumey. MLS #OM731000.

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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