CENTURY 21 Edge
$394,7883 bd2 ba2,225 sqft$177 /sqft≈$3,491 /mo all-in ↓

8847 SW 104TH CIRCLE, OCALA, FL, 34481

Active2 days on marketListed Oct 9, 2026MLS #OM733598

Single Family ResidenceON TOP OF THE WORLD

Come see it

Upcoming open house

Fri, Oct 16

10:00 AM – 1:00 PM

About this home

8847 SW 104TH CIRCLE

Some homes simply have to be experienced—and this extraordinary Ariana is one of them! Beautiful sunsets, peaceful views, and designer touches throughout make this 2020-built home an exceptional opportunity. Built for entertaining and thoughtfully upgraded for everyday comfort, it offers two bedrooms plus a versatile flex room, two beautifully appointed bathrooms, a 3-car tandem garage, and an incredible bonus sunroom—all for less than $400,000! The open living and dining areas flow into a stunning kitchen featuring quartz countertops, stainless steel appliances, and a gorgeous backsplash. From intimate dinners to lively gatherings, this home makes entertaining feel effortless. The split floor plan provides privacy for the primary suite, creating a relaxing retreat with an upgraded en suite bath and a completed California Closet system. The spacious laundry room connects directly to the primary suite and includes a washer and dryer, abundant storage, a large utility sink, and additional California Closet organization. The versatile flex room offers space for a home office, mancave, creative studio, or hobbies. A true standout is the bonus 320-square-foot sunroom with heating and air conditioning, hurricane windows, blinds, and abundant natural light. Create a second living room, game room, craft space, or home office while enjoying peaceful views of open green space and the retention pond. Step outside to the separate screened lanai, where beautiful sunsets provide the backdrop for relaxing evenings overlooking the fenced backyard. The outdoor grilling patio adds another inviting setting for casual meals and gatherings with friends. The 3-car tandem garage includes a 4-foot extension and a Lifestyle garage door screen, providing generous space for vehicles, a golf cart, storage, and projects. A widened driveway and the home’s position farther back on the lot add parking convenience. Located in On Top of the World in Ocala, this home comes with a lifestyle worth celebrating. Enjoy swimming, pickleball, tennis, fitness activities, walking trails, clubs, cards, creative pursuits, and lifelong learning. Golf, dining, entertainment, and community gatherings offer even more ways to enjoy your days and connect with friends. The HOA package adds convenience with lawn care, internet, exterior painting every seven years, roof care for 25 years, trash service, common-area maintenance, community amenities, and HOA-provided insurance coverage. Owners carry their own condo insurance policy—giving you more time to enjoy your home and the Florida lifestyle. Owner financing is available with 50% down, subject to mutually agreed terms. The motivated seller is flexible, creative, and welcomes all offers. BUYER INCENTIVE: Qualified buyers may receive a lender-paid, one-year interest rate buydown—one percentage point below the note rate during the first year—with an eligible Conventional or FHA purchase loan for a primary residence. Ask for complete details and qualification requirements. Photos include actual property photographs and AI-generated, virtually staged images illustrating furnishing possibilities. Virtual furnishings are for illustration. This Ariana is anything but ordinary. Come experience the views, the upgrades, the entertaining spaces, and the exceptional value for yourself. Schedule your private showing today—your next chapter could begin here!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,225

Sqft

0.29 ac

Lot size

2020

Year built

One

Levels

$177

Per sqft

Garden & Park/Greenbelt view55+ community

Inside

FlooringCeramic Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Gas Water Heater · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorChair Rail · Coffered Ceiling(s) · Crown Molding · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Walk-In Closet(s)
LaundryGas Dryer Hookup · Laundry Room · Sink · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewGarden · Park/Greenbelt
FacesEast
ParkingTandem
ExteriorIrrigation System

Community & fees

HOA fee$491/mo
Taxes (2025)$4,101/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Number Limit
CommunityBuyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Dog Park

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPrivate

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.

$3,491 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,324
FHA mortgage insurance (est.)$175
Property tax — 2025 actual bill$342
HOA fee — from the listing$491
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,818Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,818
Interest rate6.00%
Loan term

Estimated payment

$3,491/mo

Principal & interest$2,324
FHA mortgage insurance (est.)$175
Property taxes (actual bill)$342
HOA / condo fee$491
Est. insurance$160

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.

List $395K
$377KedgeAI estimate $435,182 · range $392K–$479K$498K

vs edgeAI estimate

−9.3%

$/sqft vs ON TOP OF THE WORLD

$177 vs $143

Days on market

2 vs 74 typical

Where $177/sqft sits among the 214 homes for sale in ON TOP OF THE WORLD

54
52
36
31 · this home
15
26
$99–121$121–143$143–165$165–187$187–208$208+

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

HighWest Port High School★★★★★
MiddleLiberty Middle School★★★★★
ElementaryHammett Bowen Junior Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ocala market

Seller’s marketLeans seller — 4.6 months of inventoryBuyer’s market

$285K → $284K

Ocala median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

102 of 214

ON TOP OF THE WORLD have cut their price

Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 67% above the OCALA 34481 median. See the full Ocala market guide →

Paper trail

This home's history

Oct 9, 2026Listed at $394,788 · 2 days on market since
2020Built · ON TOP OF THE WORLD

Reality check

What actually sold near 8847 SW 104TH CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10934 SW 101ST LOOPSold · Dec ’25

$390,000

10934 SW 101ST LOOP · same community

2 bd · 2 ba · 2,202 sqft · $177/sqft · 53 DOM

10324 SW 105TH COURTSold · Dec ’25

$385,500

10324 SW 105TH COURT · same community

3 bd · 2.5 ba · 2,297 sqft · $168/sqft · 32 DOM

10325 SW 105TH COURTSold · Dec ’25

$420,000

10325 SW 105TH COURT · same community

3 bd · 3 ba · 2,536 sqft · $166/sqft · 11 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.

Bridget McLennon

Your agent

Bridget McLennon

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 8847 SW 104TH CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8847 SW 104TH CIRCLE — before you fall in love.

See it in person

Schedule a tour

Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

8847 SW 104TH CIRCLE FAQs

What would the monthly payment be for 8847 SW 104TH CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,491/mo — principal and interest, the actual property-tax bill, the $491/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 8847 SW 104TH CIRCLE?+

The association fee works out to $491 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 8847 SW 104TH CIRCLE?+

The most recent tax bill on record (2025) was $4,101. 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 8847 SW 104TH CIRCLE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $394,788, this home is listed about 32% above the Ocala median of $299,180. The market section on this page shows how the area is trending.

Which schools are assigned to 8847 SW 104TH CIRCLE?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$394,788 runs 67% above the OCALA 34481 median — but at 2,225 sqft it's also 28% larger than the typical Ocala listing.

02Garden & Park/Greenbelt views

The garden and park/greenbelt view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 2 days on market in a Ocala market that averages 74 — if it fits, move quickly.

Listing courtesy of ALL FLORIDA HOMES REALTY LLC · Janet Schrepel. MLS #OM733598.

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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