9082 SW 102ND CIRCLE, OCALA, FL, 34481
Pending1 days on marketListed Jul 21, 2026MLS #OM728913
About this home
9082 SW 102ND CIRCLE
Welcome home to this beautifully maintained **Expanded Sheffield** model, tucked away on a private, tree-lined lot in the desirable **Avalon** neighborhood of On Top of the World. Built in 2006, this thoughtfully designed home offers **2 bedrooms, 2 bathrooms, a spacious den, and a 2-car garage** with a floor plan that's perfect for both everyday living and hosting overnight guests. One of the home's standout features is the flexible split layout. A pocket door creates a private guest wing complete with a bedroom, full bathroom, and den—ideal for visitors, hobbies, a home office, or multi-generational living. Recent updates provide peace of mind and modern appeal, including a **new roof (2024)**, **HVAC system (2022)**, **granite countertops**, updated flooring with durable water-resistant laminate in the kitchen and bathrooms, and newer kitchen appliances. Laminate flooring throughout the main living areas adds both style and easy maintenance, while the bedrooms remain comfortably carpeted. Relax year-round in the **screened lanai (2020)** overlooking a peaceful wooded buffer that offers exceptional privacy with no rear neighbors. Attractive low-maintenance xeriscape landscaping enhances curb appeal while helping reduce irrigation costs. Located just minutes from the **Arbors Amenity Center**, residents enjoy convenient access to indoor and outdoor pools, a fitness center, and numerous recreational activities. The home is also ideally situated near **The Summit**, On Top of the World's newest amenity center currently under development. Enjoy the unmatched lifestyle that has made **On Top of the World** one of Ocala's premier active adult communities, offering golf cart access to shopping, dining, banking, healthcare, clubs, golf, and an endless calendar of social activities. Don't miss this opportunity to own a move-in-ready home in one of Ocala's most sought-after 55+ communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,581
Sqft
0.13 ac
Lot size
2
Garage
2006
Year built
One
Levels
$133
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.
$2,257 /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
$2,257/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
−21.1%
Days on market
1 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 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)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below 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 9082 SW 102ND CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9082 SW 102ND 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
9082 SW 102ND CIRCLE FAQs
What would the monthly payment be for 9082 SW 102ND CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,257/mo — principal and interest, the actual property-tax bill, the $479/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 9082 SW 102ND CIRCLE?+
The association fee works out to $479 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9082 SW 102ND CIRCLE?+
The most recent tax bill on record (2025) was $3,467. 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 9082 SW 102ND CIRCLE?+
The listing reports pets: 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 $209,999, this home is listed about 30% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9082 SW 102ND CIRCLE?+
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.
Listing courtesy of FONTANA REALTY · Philip Stevens. MLS #OM728913.
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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