6046 SW 86TH CIRCLE, OCALA, FL, 34481
Active10 days on marketListed Oct 2, 2026MLS #OM733071
About this home
6046 SW 86TH CIRCLE
Skip the construction timeline and step right into this spacious Renown model featuring 3 bedrooms, 3.5 baths, and a Flex room, set on a premium lot within the 55+ Stone Creek Golf community known for its resort-style amenities. Inviting outdoor spaces overlook peaceful greenspace, creating a relaxing backdrop for everyday living and entertaining. Manicured landscaping with stamped concrete curbing and a glass-inset front door enhance the home’s refined curb appeal. Inside, the light and bright open-concept design features upgrades throughout highlighted by lofty 10’ ceilings, a neutral color palette, recessed LED downlighting, and professionally sealed tile flooring and remote-controlled ceiling fans throughout. The chef’s kitchen offers soft-close cabinetry with top and bottom pullouts, granite countertops, upgraded stainless steel built-in appliances with a vented cooktop, and a spacious walk-in pantry. An oversized island overlooking the gathering room adds valuable prep space and bar-height seating accented by elegant pendant lighting. Glass sliders extend the living space outdoors, opening to the screened-in lanai and the paver-lined outdoor patio ready for barbeques. This inviting outdoor retreat offers ample space to relax or entertain throughout the year, all enhanced by peaceful greenspace views that add privacy and a sense of serenity. The Owner’s Suite features serene greenspace views, a large walk-in closet, and an additional walk-through closet connecting directly to the laundry room. The spa-like en suite bath includes a quartz-topped double vanity, walk-in tile shower with decorative glass inlay, seating ledge, transom window, and a private water closet. Two guest bedrooms each offer a private bath and walk-in closet, and an easily accessible hallway half bath adds convenience for visitors. The extended three-car garage provides space for a golf cart or hobby area and includes a utility sink and pre-plumbing for a whole-home water softener. Additional extras include built-in electrical outlets in the home’s soffits for effortless outdoor decorating, a Smart Home technology package for added peace of mind, and HOA-provided TV and Internet for everyday value. Move in today and embrace the exceptional lifestyle of this vibrant community, featuring a 24/7 staffed gated entrance for security and peace of mind. Luxury-inspired amenities include heated pools, a state-of-the-art fitness center, a spa, and relaxing hot tubs and saunas. Stay active with pickleball, bocce, tennis, and a softball field, while a dedicated lifestyle staff curates entertainment, activities, and special events. This master-planned community also offers a golf course, pro shop, and inviting on-site restaurant, creating effortless opportunities to relax, connect, and enjoy the Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,809
Sqft
0.2 ac
Lot size
3
Garage
2024
Year built
One
Levels
$205
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.
$4,476 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,476/mo
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.
vs edgeAI estimate
+7.7%
$/sqft vs STONE CREEK
$205 vs $217
Days on market
10 vs 74 typical
Where $205/sqft sits among the 33 homes for sale in STONE CREEK
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
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)
14 of 33
STONE CREEK have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 143% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 6046 SW 86TH CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$655,000
9277 SW 70TH LOOP · same community
3 bd · 3 ba · 2,673 sqft · $245/sqft · 66 DOM
Sold · Feb ’26$670,000
6131 SW 86TH CIRCLE · same community
3 bd · 3 ba · 2,483 sqft · $270/sqft · 107 DOM
Sold · Sep ’26$475,000
7419 SW 97TH TERRACE ROAD · same community
3 bd · 2 ba · 2,413 sqft · $197/sqft · 65 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6046 SW 86TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6046 SW 86TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6046 SW 86TH CIRCLE FAQs
What would the monthly payment be for 6046 SW 86TH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,476/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 6046 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 6046 SW 86TH CIRCLE?+
The most recent tax bill on record (2025) was $8,138. 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 6046 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 $574,850, this home is listed about 92% above the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 6046 SW 86TH CIRCLE?+
West Port High School (high), Saddlewood Elementary School (elementary), Liberty Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER LLC - OCALA · Anthony Alfarone. MLS #OM733071.
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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