8121 SW 107TH PLACE, OCALA, FL, 34481
Active10 days on marketListed Oct 2, 2026MLS #OM733355
About this home
8121 SW 107TH PLACE
Welcome to 8121 SW 107th Place in Palm Cay, a desirable 55+ community in Ocala, Florida. This charming 2-bedroom, 2-bath home offers a comfortable, easy-to-maintain layout with a 1-car garage, bonus office space, irrigation system, gutters, and an outdoor patio. Inside, laminate flooring flows through the main living areas and bedrooms, creating a clean and cohesive look. The spacious living and dining room combination provides plenty of flexibility for everyday living and entertaining, while the additional bonus space at the rear of the home is ideal for a home office, hobby room, reading area, or additional sitting room. New Roof and Water Heater The galley-style kitchen features stainless steel appliances and an electric range, with an adjoining dinette area for casual meals. Ceramic tile provides a durable finish in the kitchen, dinette, bathrooms, and laundry room. The primary bedroom features laminate flooring, a walk-in closet, and a private ensuite bathroom with a shower. The guest bedroom also offers laminate flooring and a built-in closet, providing comfortable accommodations for visiting family and friends. Step outside to enjoy the Florida weather from the patio, while the irrigation system helps simplify lawn care. An attached 1-car garage provides additional parking and storage. Palm Cay offers an active 55+ lifestyle with community amenities that include a swimming pool, clubhouse, shuffleboard courts, and tennis court—giving residents plenty of opportunities to relax, stay active, and connect with neighbors. Conveniently located in Ocala near shopping, dining, medical services, recreation, and everyday conveniences, this Palm Cay home combines comfortable living with the amenities of an established 55+ community. Whether you're searching for a full-time residence or a low-maintenance Florida home, 8121 SW 107th Place is ready to welcome you home.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,394
Sqft
0.23 ac
Lot size
1
Garage
1988
Year built
One
Levels
$126
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.
$1,475 /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
$1,475/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
−7.9%
$/sqft vs Ocala actives
$126 vs $180
Days on market
10 vs 74 typical
Where $126/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 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)
216 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 26% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8121 SW 107TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$194,900
10839 SW 78TH COURT · same community
3 bd · 2 ba · 1,404 sqft · $139/sqft · 2 DOM
Sold · Feb ’26$175,000
8326 SW 107TH PLACE · same community
3 bd · 2 ba · 1,404 sqft · $125/sqft · 118 DOM
Sold · Sep ’26$225,000
10668 SW 85TH TERRACE · same community
3 bd · 2 ba · 1,404 sqft · $160/sqft · 60 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 8121 SW 107TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8121 SW 107TH PLACE — 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
8121 SW 107TH PLACE FAQs
What would the monthly payment be for 8121 SW 107TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,475/mo — principal and interest, the actual property-tax bill, the $123/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 8121 SW 107TH PLACE?+
The association fee works out to $123 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8121 SW 107TH PLACE?+
The most recent tax bill on record (2025) was $1,016. 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 8121 SW 107TH PLACE?+
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 $175,000, this home is listed about 42% below the Ocala median of $299,180. The market section on this page shows how the area is trending.
Which schools are assigned to 8121 SW 107TH PLACE?+
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 EXP REALTY LLC · Garrett Huffman. MLS #OM733355.
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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