6038 SW 86TH CIRCLE, OCALA, FL, 34481
Active52 days on marketListed May 29, 2026MLS #OM725601
About this home
6038 SW 86TH CIRCLE
Experience luxury Florida living in this beautifully upgraded Stardom model featuring 2 bedrooms, 2.5 bathrooms, and a versatile flex room with elegant French doors. From the moment you arrive, you’ll notice the upgraded stone elevation, paver entrance, custom landscaping, and stunning glass inset front door that create exceptional curb appeal. Inside, the home is loaded with designer upgrades including crown molding throughout, wainscoting accents, custom lighting, additional recessed lighting, plantation shutters, and a dramatic double tray ceiling in the living room. The gourmet kitchen showcases gorgeous quartz countertops, upgraded 42” cabinetry, and an open layout perfect for entertaining. Step outside to your private backyard oasis featuring a heated saltwater pool and spa enclosed within a spacious birdcage enclosure. The pool is heated by a buried propane tank that also includes hookups for a grill and generator connections for added convenience and peace of mind. Enjoy the privacy of having no direct rear neighbors along with a fenced backyard ideal for relaxing or entertaining guests. The spacious primary suite offers a luxurious tiled zero-entry walk-in shower, while the second bathroom also features an upgraded tiled shower. Additional highlights include a utility sink in the laundry room and an epoxy-coated garage floor for a clean, finished look. This exceptional home combines luxury, comfort, and thoughtful upgrades both inside and out. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,304
Sqft
0.2 ac
Lot size
3
Garage
2023
Year built
One
Levels
$275
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.
$4,757 /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
$4,757/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
−0.3%
$/sqft vs Ocala actives
$275 vs $180
Days on market
52 vs 43 typical
Where $275/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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
156 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 176% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 6038 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 · Mar ’26$527,000
6032 SW 86TH TERRACE ROAD · same community
2 bd · 2.5 ba · 2,295 sqft · $230/sqft · 32 DOM
Sold · Mar ’26$415,500
7455 SW 97TH TERRACE ROAD
3 bd · 2 ba · 2,413 sqft · $172/sqft · 61 DOM
Sold · Aug ’25$410,585
8886 SW 73RD PLACE
3 bd · 2 ba · 2,126 sqft · $193/sqft · 0 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 6038 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 6038 SW 86TH CIRCLE — 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
6038 SW 86TH CIRCLE FAQs
What would the monthly payment be for 6038 SW 86TH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,757/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 6038 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 6038 SW 86TH CIRCLE?+
The most recent tax bill on record (2025) was $7,389. 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 6038 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 $634,436, this home is listed about 112% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6038 SW 86TH CIRCLE?+
Liberty Middle School (middle), West Port High School (high), Marion Oaks 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 NEXT GENERATION REALTY OF MARION COUNTY · Deborah Sumey. MLS #OM725601.
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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