9972 SW 106TH CIRCLE, OCALA, FL, 34481
Active222 days on marketListed Dec 13, 2025MLS #OM715057
About this home
9972 SW 106TH CIRCLE
Indulge in elevated new-construction living with the beautifully designed Ariana floor plan, where spacious interiors and refined finishes come together in Ocala’s premier 55+ community, On Top of the World. This impressive residence offers 2 bedrooms, 2 baths, a generous flex room, and a 2-car garage with dedicated golf cart space, encompassing 2,019 sq. ft. of thoughtfully curated living space. The expansive great room is enhanced by elegant laminate flooring and recessed lighting, flowing seamlessly into a designer kitchen featuring an oversized quartz island, crisp white shaker cabinetry, stainless steel appliances, gas range, and a sophisticated tile backsplash—perfectly suited for both everyday enjoyment and upscale entertaining. Retreat to the spa-inspired primary suite showcasing dual quartz vanities, custom mirrors, designer lighting, and a beautifully tiled walk-in shower with glass enclosure. A large enclosed lanai extends the living area outdoors, offering a tranquil, light-filled space ideal for year-round relaxation. Additional highlights include a well-appointed laundry suite, covered front porch, energy-efficient construction, and refined architectural details throughout. Set within an award-winning, amenity-rich community offering golf, wellness programming, lifelong learning, weekly entertainment, over 21 miles of scenic walking trails, and more than 175 resident clubs, this exceptional home delivers a lifestyle of comfort, elegance, and distinction.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
2,019
Sqft
0.29 ac
Lot size
2
Garage
2025
Year built
One
Levels
$230
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.
$3,620 /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
$3,620/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
+18.1%
Days on market
222 vs 43 typical
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)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 97% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
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 9972 SW 106TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9972 SW 106TH 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
9972 SW 106TH CIRCLE FAQs
What would the monthly payment be for 9972 SW 106TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,620/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 9972 SW 106TH CIRCLE?+
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 9972 SW 106TH CIRCLE?+
The most recent tax bill on record (2025) was $382. 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 9972 SW 106TH CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $463,555, this home is listed about 55% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9972 SW 106TH 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.
Listing courtesy of ON TOP OF THE WORLD REAL EST · Jason Taflinger. MLS #OM715057.
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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