6138 SW 89TH LANE ROAD, OCALA, FL, 34476
Active38 days on marketListed Sep 4, 2026MLS #OM731779
About this home
6138 SW 89TH LANE ROAD
Enjoy easy, low-maintenance living in JB Ranch, a gated 55+ community offering an active lifestyle and convenient Ocala location. Built in 2020, this concrete block Laurel model home features three bedrooms, two baths, an open split-bedroom floor plan, and a fully fenced backyard. Step inside to a bright and spacious main living area with an open layout designed for both everyday living and entertaining. At the heart of the home, the kitchen features granite countertops, a large center island with seating, stainless steel appliances, pantry storage, and generous workspace. The LG refrigerator, range, and microwave feature ThinQ smart technology, adding another touch of modern convenience. The home is also equipped with smart-home technology, allowing you to remotely monitor the security camera, lock and unlock the front door, open and close the garage door, and control select lighting right from your smartphone. An adjoining casual dining area provides the perfect spot for everyday meals, while a separate formal dining area offers additional space for entertaining. The generously sized primary suite provides a comfortable retreat with an en-suite bath featuring a dual-sink granite vanity, walk-in shower, and separate soaking tub. The Laurel's split-bedroom design places two additional bedrooms away from the primary suite, providing added privacy and flexible space for overnight guests, hobbies, or a home office. Additional features include enhanced insulation, an inside laundry room, ceiling fans, a covered rear patio, and a fully fenced backyard offering plenty of space for pets, outdoor activities, or simply relaxing and enjoying the Florida sunshine. JB Ranch residents enjoy an impressive array of amenities, including a resort-style swimming pool, fitness center, and pickleball courts. The HOA also includes gated entry, lawn maintenance, trash pickup, and access to the community amenities, allowing you to spend less time on exterior upkeep and more time enjoying everything the community has to offer. Whether you're looking for a full-time residence or a low-maintenance Florida home, this Laurel model offers modern construction, a comfortable and functional floor plan, and the opportunity to enjoy the active 55+ lifestyle of JB Ranch. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,857
Sqft
0.16 ac
Lot size
2
Garage
2020
Year built
One
Levels
$155
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.
$2,404 /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
$2,404/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
+13.2%
$/sqft vs Ocala actives
$155 vs $181
Days on market
38 vs 74 typical
Where $155/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 Jb Ranch
Get to know Ocala. See the full Ocala guide →
Jb Ranch — neighborhood snapshot
Population
360
Median age
57
Median income
$64,741
Median home value
$227,900
Avg household
2
Households w/ children
47%
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)
222 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 6138 SW 89TH LANE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$295,400
9358 SW 60TH COURT ROAD · same community
3 bd · 2 ba · 1,816 sqft · $163/sqft · 26 DOM
Sold · Oct ’25$262,000
6299 SW 90TH STREET · same community
3 bd · 2 ba · 1,736 sqft · $151/sqft · 73 DOM
Sold · Jul ’26$282,500
9357 SW 60TH COURT ROAD · same community
4 bd · 2 ba · 2,034 sqft · $139/sqft · 52 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 6138 SW 89TH LANE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6138 SW 89TH LANE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6138 SW 89TH LANE ROAD FAQs
What would the monthly payment be for 6138 SW 89TH LANE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,404/mo — principal and interest, the actual property-tax bill, the $197/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 6138 SW 89TH LANE ROAD?+
The association fee works out to $197 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6138 SW 89TH LANE ROAD?+
The most recent tax bill on record (2025) was $2,770. 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 6138 SW 89TH LANE ROAD?+
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 $287,000, this home is listed about 4% below the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 6138 SW 89TH LANE ROAD?+
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 ALLSTARS REALTY · Marcia Kasper. MLS #OM731779.
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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