8920 SW 97TH LANE ROAD UNIT F, OCALA, FL, 34481
Active17 days on marketListed Sep 25, 2026MLS #OM732873
About this home
8920 SW 97TH LANE ROAD UNIT F
Virtually Staged. Looking for an affordable Florida lifestyle or a place to escape the cold winters? Welcome to On Top of the World, Ocala’s premier 55+ active adult community. This move-in-ready 2-bedroom, 2-bathroom villa offers an easy, low-maintenance lifestyle with plenty of opportunities to enjoy all that this vibrant community has to offer. Inside, you’ll find newly installed flooring, fresh interior paint, and a comfortable layout ready for you to make your own. Step outside to the spacious rear lanai — the perfect spot to enjoy your morning coffee or unwind at the end of the day. A new air-conditioning unit was installed in September 2026, providing added peace of mind. On Top of the World is known for its resort-style amenities, active lifestyle and wide variety of activities and social opportunities. With approximately 175 clubs and interest groups, there is something for almost every interest. Residents can enjoy multiple golf courses, tennis, pickleball, swimming pools, a fitness center, community gardens and numerous events and activities at Circle Square. If gardening is your passion — or something you’ve always wanted to try — the community garden is conveniently located just steps from this villa. Beyond the community, Ocala offers an abundance of medical facilities, restaurants, shopping and entertainment. The renowned World Equestrian Center is also nearby, offering world-class horse shows, dining and events. Come see this move-in-ready villa and discover the convenience, amenities and lifestyle that make On Top of the World such a popular destination for active adults. Be sure to explore the community amenities while you’re here — you may just find that your next chapter in Florida starts here!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,368
Sqft
0.05 ac
Lot size
1984
Year built
One
Levels
$100
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.
$1,726 /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
$1,726/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
+16.5%
$/sqft vs Ocala actives
$100 vs $180
Days on market
17 vs 74 typical
Where $100/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 → $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.
This home is listed 42% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8920 SW 97TH LANE ROAD UNIT F
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$205,000
10962 SW 82ND AVENUE
2 bd · 2 ba · 1,368 sqft · $150/sqft · 4 DOM
Sold · Mar ’26$194,900
10929 SW 84TH AVENUE
2 bd · 2 ba · 1,428 sqft · $136/sqft · 25 DOM
Sold · Mar ’26$138,000
10943 SW 86 COURT
2 bd · 2 ba · 1,432 sqft · $96/sqft · 72 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 8920 SW 97TH LANE ROAD UNIT F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8920 SW 97TH LANE ROAD UNIT F — 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
8920 SW 97TH LANE ROAD UNIT F FAQs
What would the monthly payment be for 8920 SW 97TH LANE ROAD UNIT F?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,726/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 8920 SW 97TH LANE ROAD UNIT F?+
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 8920 SW 97TH LANE ROAD UNIT F?+
The most recent tax bill on record (2025) was $2,472. 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 8920 SW 97TH LANE ROAD UNIT F?+
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 $136,800, this home is listed about 54% below the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 8920 SW 97TH LANE ROAD UNIT F?+
West Port High School (high), Liberty Middle School (middle), Hammett Bowen Junior Elementary School (elementary) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BLACKHORSE REAL ESTATE LLC · Cheryl Regina. MLS #OM732873.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 8920 SW 97TH LANE ROAD UNIT F but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Chad to ping you on any price or status change →