12781 SW 86TH CIRCLE, OCALA, FL, 34481
Active493 days on marketListed Mar 18, 2025MLS #O6291147
About this home
12781 SW 86TH CIRCLE
Brand-new corner-lot home in Ocala offering the perfect combination of modern design, convenience, and an unbeatable location! This 4-bedroom, 2.5-bathroom home features a spacious open-concept layout ideal for entertaining. The primary suite offers a spa-inspired bathroom with a freestanding soaking tub, a sleek glass-enclosed shower, and elegant finishes. The stylish kitchen comes fully equipped with stainless-steel appliances, including a refrigerator, range, microwave, dishwasher, and garbage disposal. Additional highlights include a SMART KEY entry system for added security and convenience. Located just 7 minutes from State Road 200, providing quick access to hospitals, shopping centers, restaurants, grocery stores, pharmacies, and everyday conveniences, plus only 6 minutes from Walmart Supercenter. One or more photos have been virtually staged. FHA, VA, USDA, Conventional, and Cash financing are welcome. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,679
Sqft
0.28 ac
Lot size
2
Garage
2025
Year built
One
Levels
$173
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 — not generic estimates.
$2,051 /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
$2,051/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
+0.6%
$/sqft vs MARION OAKS UN TWELVE
$173 vs $179
Days on market
493 vs 43 typical
Where $173/sqft sits among the 6 homes for sale in MARION OAKS UN TWELVE
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)
3 of 6
MARION OAKS UN TWELVE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 12781 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$256,900
8707 SW 131ST PLACE · same community
4 bd · 2 ba · 1,659 sqft · $155/sqft · 42 DOM
Sold · Jun ’26$289,900
12841 SW 83RD TERRACE · same community
4 bd · 2 ba · 1,747 sqft · $166/sqft · 27 DOM
Sold · Jul ’25$290,900
8944 SW 128TH PLACE · same community
4 bd · 3 ba · 1,827 sqft · $159/sqft · 111 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12781 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 12781 SW 86TH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12781 SW 86TH CIRCLE FAQs
What would the monthly payment be for 12781 SW 86TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,051/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12781 SW 86TH CIRCLE?+
The most recent tax bill on record (2024) was $676. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
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 12781 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.
The brief
Three things that matter here
01Positioned at the premium end
$289,900 runs 24% above the OCALA 34481 median.
02Time on market is leverage
493 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 $314,990, now $289,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Margie Caldera. MLS #O6291147.
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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