8715 SW 97TH STREET UNIT E, OCALA, FL, 34481
Active36 days on marketListed Jun 27, 2026MLS #OM727221
About this home
8715 SW 97TH STREET UNIT E
Welcome home to this spacious, move-in-ready Birmingham Model Villa located in the highly sought-after On Top of the World, Ocala's premier gated 55+ golf community. Designed for comfortable, low-maintenance living, this popular villa offers 2 bedrooms, 2 updated baths, and a versatile tandem 2-car garage with endless possibilities. 2026 Roof, 2012 HVAC maintained regularly, & garage door 2021. A charming covered front porch welcomes you and provides the perfect spot to enjoy your morning coffee or unwind with an evening beverage while taking in the peaceful neighborhood setting. Inside, you'll appreciate the thoughtfully designed floor plan featuring a spacious living room, plantation shutters throughout, and an abundance of natural light thanks to several solar tubes. The guest bedroom, located at the front of the home, offers a generous closet and is conveniently situated next to the beautifully updated guest bath. Tucked away at the rear of the home for added privacy, the primary suite features a walk-in closet and an updated en suite bath with a custom tiled walk-in shower and glass enclosure. The heart of the home is the beautifully updated kitchen, complete with granite countertops, an “L” island, updated appliances, and a window overlooking the sink—creating a bright and inviting space for everyday living and entertaining. Adjacent to the kitchen, the spacious family room flows seamlessly into the finished Florida Room, where attractive non-skid tile flooring and walls of windows create the perfect space to relax, entertain, or simply enjoy the Florida sunshine year-round. The oversized tandem garage has been thoughtfully modified with a partition wall and doors to create a separate laundry and utility area, leaving additional space that would make an ideal craft room, workshop, hobby area, home office, or extra storage. Whether you're looking for a full-time residence or a seasonal retreat, this beautifully updated villa offers the perfect combination of comfort, functionality, and the exceptional active-adult lifestyle that makes On Top of the World one of Ocala's most desirable 55+ communities. The monthly HOA fee includes Basic Spectrum Cable, irrigation water, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and what seems like endless amenities; four pools (3 outside including the brand new Summit w/resistance pool & 1 inside), two state of the art fitness centers, pickleball (uncovered & covered), billiards, archery range, multiple dog parks, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to several shopping centers. Centrally located 20 minutes from the World Equestrian Center, easy drive to 4 cruise ports and/or airports, and within a close proximity to entertainment complexes in Orlando. POTENTIAL TURN-KEY OPPORTUNITY WITH FURNISHINGS INCLUDED....
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,369
Sqft
0.04 ac
Lot size
2
Garage
1987
Year built
One
Levels
$110
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.
$1,675 /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
$1,675/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
+5.5%
$/sqft vs ON TOP OF THE WORLD
$110 vs $149
Days on market
36 vs 43 typical
Where $110/sqft sits among the 242 homes for sale in ON TOP OF THE WORLD
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
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)
109 of 242
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 36% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8715 SW 97TH STREET UNIT E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$187,500
2221 SWEDISH DRIVE UNIT 1 · same community
2 bd · 2 ba · 1,370 sqft · $137/sqft · 33 DOM
Sold · Dec ’25$131,000
2360 WORLD PARKWAY BOULEVARD UNIT 38 · same community
2 bd · 2 ba · 1,400 sqft · $94/sqft · 47 DOM
Sold · Mar ’26$155,000
2071 AUSTRALIA WAY W UNIT 37 · same community
2 bd · 2 ba · 1,400 sqft · $111/sqft · 12 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 8715 SW 97TH STREET UNIT E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8715 SW 97TH STREET UNIT E — 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
8715 SW 97TH STREET UNIT E FAQs
What would the monthly payment be for 8715 SW 97TH STREET UNIT E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,675/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 8715 SW 97TH STREET UNIT E?+
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 8715 SW 97TH STREET UNIT E?+
The most recent tax bill on record (2025) was $859. 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 8715 SW 97TH STREET UNIT E?+
The listing reports pets: 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 $149,999, this home is listed about 50% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8715 SW 97TH STREET UNIT E?+
Liberty Middle School (middle), Hammett Bowen Junior Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Patti Doty. MLS #OM727221.
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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