8172 SW 107TH PLACE, OCALA, FL, 34481
Active162 days on marketListed Feb 13, 2026MLS #OM718831
About this home
8172 SW 107TH PLACE
Welcome to Palm Cay, your 55 plus gated community with a LOW HOA/COMMUNITY FEE. You will love this wonderful 2 bedroom 2 full bathroom and 1.5 car garage home with excellent curb appeal. All of these big ticket items have been taken care of for you. ROOF REPLACED IN 2021, BRAND NEW WATER HEATER, BRAND NEW ELECTRICAL PANEL BOX – ALL BRAND NEW BREAKERS, BRAND NEW INTERIOR PAINT, REMODELED KITCHEN WITH BEAUTIFUL WOOD CABINETS, PULL OUT DRAWERS, PULL OUT SPICE CABINET, UPDATED KITCHEN APPLIANCES WHICH INCLUDES A BUILT IN MICROWAVE, UPDATED BATHROOM VANITIES AND AN UPDATED MASTER SHOWER. The murphy bed in the guest bedroom is included. All of the furnishings and flat screen TV in the home are included. The huge enclosed florida room has an LG stand up portable AC unit. The large fenced in backyard is perfect for your furbabies. The driveway has been expanded to allow parking for multiple cars. Palm Cay is a perfect location for all of your personal needs such as shopping, medical facilities and doctors, restaurants, drive-thrus and much more. THIS HOME HAS BEEN PROFESSIONAL CLEANED IS READY FOR IMMEDIATE OCCUPANCY.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
864
Sqft
0.23 ac
Lot size
1
Garage
1988
Year built
One
Levels
$202
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.
$1,555 /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
$1,555/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
+29.9%
$/sqft vs PALM CAY
$202 vs $272
Days on market
162 vs 43 typical
Where $202/sqft sits among the 18 homes for sale in PALM CAY
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)
4 of 18
PALM CAY have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8172 SW 107TH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$153,000
8329 SW 106TH STREET · same community
2 bd · 2 ba · 864 sqft · $177/sqft · 117 DOM
Sold · Oct ’25$163,900
10989 SW 78TH AVENUE · same community
2 bd · 2 ba · 864 sqft · $190/sqft · 23 DOM
Sold · Jan ’26$144,000
8386 SW 105TH PLACE · same community
2 bd · 2 ba · 864 sqft · $167/sqft · 33 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 8172 SW 107TH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8172 SW 107TH PLACE — 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
8172 SW 107TH PLACE FAQs
What would the monthly payment be for 8172 SW 107TH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,555/mo — principal and interest, the actual property-tax bill, the $124/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 8172 SW 107TH PLACE?+
The association fee works out to $124 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8172 SW 107TH PLACE?+
The most recent tax bill on record (2025) was $1,970. 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 8172 SW 107TH PLACE?+
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 $174,900, this home is listed about 42% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8172 SW 107TH PLACE?+
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
01Under the OCALA 34481 market on paper
$174,900 is 25% below the OCALA 34481 median of $234,000, and at $202/sqft it sits under the Ocala average of $204.
02Time on market is leverage
162 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 $189,900, now $174,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FONTANA REALTY · Donna Sloan. MLS #OM718831.
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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