9871 SW 87TH TERRACE ROAD UNIT D, OCALA, FL, 34481
Active16 days on marketListed Oct 22, 2026MLS #OM734502
About this home
9871 SW 87TH TERRACE ROAD UNIT D
Discover the comfort, convenience, and vibrant lifestyle waiting for you in this inviting 2-bedroom, 2-bath villa offering over 1,700 square feet of living space in the highly sought-after 55+ community of On Top of the World. Designed for easy living and effortless entertaining, the open floorplan seamlessly connects the living and dining areas, creating a warm, welcoming atmosphere for relaxing at home or gathering with family and friends. The spacious island kitchen is both functional and inviting, featuring granite countertops, stainless steel appliances, abundant cabinetry and counter space, plus a breakfast counter perfect for your morning coffee or a casual bite. Retreat to the generous primary suite, where a walk-in closet, spacious vanity, and walk-in shower add comfort and convenience to your daily routine. Extend your living space outdoors with a covered front porch, vinyl-fenced area, enclosed sunroom ideal for a home office or hobby space, and an adjoining enclosed patio perfect for grilling, unwinding, or enjoying Florida's beautiful weather. The washer and dryer are conveniently located in the garage, which also offers plenty of shelving for additional storage. Best of all, the community maintains the home's yard and exterior, leaving you more time to enjoy life and less time worrying about upkeep. On Top of the World delivers an exceptional lifestyle with 24/7 gated security, multiple resort-style pools, fitness centers, recreational amenities, a lively social calendar, and golf-cart-friendly access to nearby shopping and everyday conveniences. Restaurants, healthcare facilities, and additional shopping are just a short drive away. If you're ready to trade home maintenance for more freedom, connection, and enjoyment, this inviting villa is your opportunity to experience the best of low-maintenance Florida living. Come see why life really is better On Top of the World!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,748
Sqft
0.06 ac
Lot size
1
Garage
1994
Year built
One
Levels
$114
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.
$2,158 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,158/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+17.3%
$/sqft vs Ocala actives
$114 vs $173
Days on market
16 vs 56 typical
Where $114/sqft sits among the 399 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
10,930
Median age
71
Median income
$57,095
Median home value
$239,648
Avg household
2
Households w/ children
127
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
$278K → $278K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
157 of 399
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9871 SW 87TH TERRACE ROAD UNIT D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$194,995
11153 SW 79TH AVENUE
3 bd · 2 ba · 1,646 sqft · $118/sqft · 6 DOM
Sold · Aug ’26$217,000
11089 SW 78TH COURT
3 bd · 2 ba · 1,646 sqft · $132/sqft · 42 DOM
Sold · May ’26$145,000
10918 SW 82ND TERRACE
3 bd · 2 ba · 1,621 sqft · $89/sqft · 45 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 9871 SW 87TH TERRACE ROAD UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9871 SW 87TH TERRACE ROAD UNIT D — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9871 SW 87TH TERRACE ROAD UNIT D FAQs
What would the monthly payment be for 9871 SW 87TH TERRACE ROAD UNIT D?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,158/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 9871 SW 87TH TERRACE ROAD UNIT D?+
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 9871 SW 87TH TERRACE ROAD UNIT D?+
The most recent tax bill on record (2025) was $514. 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 9871 SW 87TH TERRACE ROAD UNIT D?+
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 $199,990, this home is listed about 33% below the Ocala median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 9871 SW 87TH TERRACE ROAD UNIT D?+
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 TCT REALTY GROUP LLC · Roberto Celi. MLS #OM734502.
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 9871 SW 87TH TERRACE ROAD UNIT D 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 Iain to ping you on any price or status change →