10838 SW 78TH COURT, OCALA, FL, 34476
Active38 days on marketListed Sep 4, 2026MLS #OM731561
About this home
10838 SW 78TH COURT
Major updates include a new roof (2026), A/C (2025), and electrical service (2022). This 2-bedroom, 2-bath home offers 1,102 sq ft plus a 20' x 24' garage, all with a comfortable, functional layout for easy living. Enjoy a bright 14' x 17' Florida room addition and a 9' x 16' lanai for outdoor relaxation. Located in Palm Cay, a gated 55+ community in Southwest Ocala, residents enjoy 24-hour guarded gate, golf cart-friendly streets, and an active lifestyle. Amenities include a clubhouse, pool, tennis court, and a variety of social activities. The monthly fee covers trash service, guarded gate and community access. Optional RV/boat storage may be available for a reasonable fee. Convenient to I-75, the World Equestrian Center, shopping, dining, and medical facilities, with easy access to Gainesville and Orlando. *One or more photos have been digitally enhanced/Virtually Staged for staging purposes.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,102
Sqft
0.23 ac
Lot size
2
Garage
1988
Year built
One
Levels
$150
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.
$1,403 /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
$1,403/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
+1.6%
$/sqft vs PALM CAY
$150 vs $164
Days on market
38 vs 74 typical
Where $150/sqft sits among the 8 homes for sale in PALM CAY
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 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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 → $284K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
4 of 8
PALM CAY have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% below the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10838 SW 78TH COURT
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$180,000
8277 SW 106TH STREET · same community
2 bd · 2 ba · 1,112 sqft · $162/sqft · 11 DOM
Sold · Feb ’26$170,000
8547 SW 106TH STREET · same community
2 bd · 2 ba · 1,040 sqft · $163/sqft · 32 DOM
Sold · Dec ’25$160,000
8424 SW 107TH PLACE · same community
2 bd · 2 ba · 1,040 sqft · $154/sqft · 81 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10838 SW 78TH COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10838 SW 78TH COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10838 SW 78TH COURT FAQs
What would the monthly payment be for 10838 SW 78TH COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,403/mo — principal and interest, the actual property-tax bill, the $124/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 10838 SW 78TH COURT?+
The association fee works out to $124 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10838 SW 78TH COURT?+
The most recent tax bill on record (2025) was $900. 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 10838 SW 78TH COURT?+
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 $165,000, this home is listed about 45% below the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 10838 SW 78TH COURT?+
Horizon Academy At Marion Oaks (middle), Sunrise Elementary School (elementary), Dunnellon 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 CB/ELLISON RLTY WEST · Cynthia Desmarais. MLS #OM731561.
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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