10787 SW 96TH LANE, OCALA, FL, 34481
Active5 days on marketListed Jul 20, 2026MLS #OM728762
About this home
10787 SW 96TH LANE
Discover spacious, thoughtfully designed living in this move-in ready Northampton model located in the sought-after On Top of the World community. Featuring 3 bedrooms, 2 bathrooms, a 3-car garage, and an inviting open-concept layout, this home offers the perfect combination of comfort and versatility. The expansive great room flows effortlessly into the kitchen and breakfast area, creating an ideal setting for both entertaining and everyday living. A dedicated library provides the perfect space for reading or working from home, while the additional flex room can easily serve as a hobby room, fitness space, or guest area to fit your lifestyle. The private primary suite offers a relaxing retreat, and two additional bedrooms provide comfortable accommodations for family and visitors. A dedicated laundry suite adds convenience to this well-designed floor plan. As a resident of On Top of the World, you'll enjoy access to one of Florida's premier 55+ communities, offering more than 21 miles of scenic walking trails, championship golf, resort-style amenities, fitness centers, pickleball and tennis courts, over 175 resident clubs, lifelong learning opportunities, and a full calendar of entertainment and social events. Experience the perfect blend of beautiful surroundings, exceptional amenities, and an active lifestyle in the heart of Ocala.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,678
Sqft
0.25 ac
Lot size
3
Garage
2026
Year built
One
Levels
$246
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.
$4,497 /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
$4,497/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
+40.3%
$/sqft vs ON TOP OF THE WORLD
$246 vs $149
Days on market
5 vs 43 typical
Where $246/sqft sits among the 248 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)
115 of 248
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 181% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10787 SW 96TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$420,000
10325 SW 105TH COURT · same community
3 bd · 3 ba · 2,536 sqft · $166/sqft · 11 DOM
Sold · Dec ’25$385,500
10324 SW 105TH COURT · same community
3 bd · 2.5 ba · 2,297 sqft · $168/sqft · 32 DOM
Sold · Dec ’25$398,500
9949 SW 106TH CIRCLE · same community
2 bd · 2 ba · 2,202 sqft · $181/sqft · 92 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 10787 SW 96TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10787 SW 96TH LANE — 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
10787 SW 96TH LANE FAQs
What would the monthly payment be for 10787 SW 96TH LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,497/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 10787 SW 96TH LANE?+
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 10787 SW 96TH LANE?+
The most recent tax bill on record (2025) was $504. 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 10787 SW 96TH LANE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $658,655, this home is listed about 120% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10787 SW 96TH LANE?+
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 ON TOP OF THE WORLD REAL EST · Jason Taflinger. MLS #OM728762.
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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