
10586 SW 98TH PLACE, OCALA, FL, 34481
Active2 days on marketListed Aug 25, 2026MLS #OM731055
About this home
10586 SW 98TH PLACE
TWO PRIMARY SUITES • 2,703 SQ FT • BUILT IN LATE 2023 • MULTIGENERATIONAL LIVING DONE RIGHT. A true multigenerational living opportunity. This spacious Willem model in Longleaf Ridge V at On Top of the World features 3 bedrooms, with two separate primary suites each with private ensuite baths, perfect for an in-law, parent, adult child, long-term guest, or anyone who wants privacy and comfort under one roof. Luxury vinyl plank flooring runs throughout the home, creating a clean, cohesive look with easy maintenance. The open gourmet kitchen and living area are ideal for everyday living and entertaining, offering an oversized island with generous seating, a large pantry, gas cooktop, gas wall oven and microwave, stainless steel appliances, upgraded modern lighting, and abundant soft-close cabinetry. A FULL DINING ROOM is just off the kitchen. The adjoining living room is anchored by a CUSTOM FLOATING FIREPLACE and stylish ceiling fan, adding a modern focal point. The main primary suite includes a spacious walk-in closet, both ensuite baths feature a tiled walk-in shower with built-in bench, handheld shower, and grab bar for added safety and comfort. A versatile FLEX ROOM provides excellent space for a home office, hobby room, den, or additional sitting area. The Laundry Room includes a large-capacity washer and gas dryer. The screened lanai extends the living space outdoors and includes roll-down shades for privacy and sun control. The backyard features upgraded landscaping for enhanced view and privacy. These original owners purchased in early 2024, making this home gently used just over 2 years. The home has received numerous thoughtful improvements, including SMART-HOME FEATURES, custom color-matched gutters, privacy film on select windows, upgraded lighting, lanai shades, window blinds throughout, and a local-channel outdoor TV antenna. A recent POST-CONSTRUCTION INSPECTION was completed by a certified home inspector. The paver driveway leads to an oversized garage with an ADDITIONAL 4 FEET OF DEPTH, professionally installed overhead metal storage, and ample room for vehicles, a golf cart, tools, and hobbies. If you’re seeking a newer home with generous square footage, smart upgrades, flexible living areas, outstanding storage, and a true TWO SUITE FLOOR PLAN, this Willem model delivers. One home, multiple living possibilities, and room for everyone to live comfortably. On Top of the World offers gated 55+ living with golf, multiple clubhouses, indoor and outdoor pools, fitness centers, pickleball, tennis, walking trails, restaurants, entertainment, clubs, and hundreds of resident activities. The HOA includes community pools, structured maintenance, landscaping, curbside trash and recycling, High Speed Internet and house painting every 7 years. HOA includes insurance coverage on the outside of structure; homeowner is only required to cover HO6 coverage.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,703
Sqft
0.22 ac
Lot size
2
Garage
2023
Year built
One
Levels
$203
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.
$4,555 /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
$4,555/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
+12.6%
$/sqft vs Ocala actives
$203 vs $180
Days on market
2 vs 53 typical
Where $203/sqft sits among the 400 Ocala actives
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)
206 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 144% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10586 SW 98TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$449,000
10260 SW 105TH COURT
3 bd · 2 ba · 2,678 sqft · $168/sqft · 52 DOM
Sold · Apr ’26$417,000
10420 SW 105TH COURT
3 bd · 3 ba · 2,536 sqft · $164/sqft · 123 DOM
Sold · Dec ’25$420,000
10325 SW 105TH COURT
3 bd · 3 ba · 2,536 sqft · $166/sqft · 11 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10586 SW 98TH PLACE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10586 SW 98TH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10586 SW 98TH PLACE FAQs
What would the monthly payment be for 10586 SW 98TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,555/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 10586 SW 98TH PLACE?+
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 10586 SW 98TH PLACE?+
The most recent tax bill on record (2025) was $5,052. 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 10586 SW 98TH PLACE?+
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 $549,900, this home is listed about 84% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10586 SW 98TH PLACE?+
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 RE/MAX PREMIER REALTY · Mary Johnson. MLS #OM731055.
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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