6870 SW 109TH LANE, OCALA, FL, 34476
Active127 days on marketListed Mar 20, 2026MLS #OM721216
About this home
6870 SW 109TH LANE
Virtually Staged. NOT in a 55+ Community. Home Warranty and Transferable Structural Warranty! This nearly brand-new residence offers the pristine quality of new construction without the wait, perfectly positioned in the heart of Southwest Ocala. Unlike many properties in the area, this home is located in a vibrant, multi-generational neighborhood offering the freedom and flexibility modern buyers crave. From the elegant crown molding that frames the rooms to the carefully curated designer lighting, every corner reflects a sophisticated touch. At the center of it all is a grand kitchen designed for the ultimate host. With its expansive layout and premium finishes, it serves as the perfect stage for holiday gatherings or casual weekend brunch. Outside, the property features a manageable, fully fenced-in yard, offering the perfect balance of privacy and low-maintenance living—ideal for pets or a private patio retreat without the burden of heavy weekend yard work. Best of all, convenience is right at your doorstep. You are tucked away in a quiet enclave just five minutes from Publix, local shopping centers, and a variety of top-rated restaurants, ensuring you never have to travel far for the essentials.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,624
Sqft
0.2 ac
Lot size
2
Garage
2022
Year built
One
Levels
$179
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.
$2,414 /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
$2,414/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
+7.2%
$/sqft vs Ocala actives
$179 vs $181
Days on market
127 vs 43 typical
Where $179/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 34476 — neighborhood snapshot
Population
26,397
Median age
56.1
Median income
$65,429
Median home value
$260,300
Avg household
2.21
Households w/ children
2,252
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
154 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 6870 SW 109TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$298,500
10935 SW 66TH TERRACE · same community
3 bd · 2 ba · 1,585 sqft · $188/sqft · 69 DOM
Sold · Sep ’25$60,000
12111 NE 64TH PLACE · same community
3 bd · 2 ba · 1,512 sqft · $40/sqft · 269 DOM
Sold · Dec ’25$221,000
1010 DAWES ROAD · same community
3 bd · 2 ba · 1,248 sqft · $177/sqft · 7 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6870 SW 109TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6870 SW 109TH LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
6870 SW 109TH LANE FAQs
What would the monthly payment be for 6870 SW 109TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,414/mo — principal and interest, the actual property-tax bill, the $95/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 6870 SW 109TH LANE?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6870 SW 109TH LANE?+
The most recent tax bill on record (2025) was $3,890. 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 6870 SW 109TH LANE?+
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 $289,900, this home is listed about 3% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6870 SW 109TH LANE?+
Liberty Middle School (middle), Marion Oaks Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
127 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,900, now $289,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL REALTY SOLD GUARANTEE · Scott Coldwell. MLS #OM721216.
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 6870 SW 109TH LANE 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 Steeve to ping you on any price or status change →