10405 SW 98TH TERRACE, OCALA, FL, 34481
Active3 days on marketListed Jul 30, 2026MLS #OM729147
About this home
10405 SW 98TH TERRACE
55+ Affordable Florida home. Whether you dream of escaping the harsh winter weather part of the year or you want to have that laid back Florida life all the time. This home is for you! Between the affordable price, low HOA and convenient location to grocery stores, restaurants, shopping and medical facilities. It is also an easy drive to Tampa and it's beaches and Orlando with all the amusement parks.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0.22 ac
Lot size
1985
Year built
One
Levels
$161
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.
$1,580 /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
$1,580/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
+25.9%
$/sqft vs PINE RUN ESTATE
$161 vs $139
Days on market
3 vs 43 typical
Where $161/sqft sits among the 13 homes for sale in PINE RUN ESTATE
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)
7 of 13
PINE RUN ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 10405 SW 98TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$154,000
10075 SW 90TH AVENUE · same community
2 bd · 2 ba · 1,040 sqft · $148/sqft · 89 DOM
Sold · Jul ’26$80,000
9115 SW 102ND LANE · same community
2 bd · 2 ba · 1,040 sqft · $77/sqft · 134 DOM
Sold · Jun ’26$135,000
9430 SW 102ND PLACE · same community
2 bd · 2 ba · 1,040 sqft · $130/sqft · 222 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 10405 SW 98TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10405 SW 98TH TERRACE — 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
10405 SW 98TH TERRACE FAQs
What would the monthly payment be for 10405 SW 98TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,580/mo — principal and interest, the actual property-tax bill, the $142/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 10405 SW 98TH TERRACE?+
The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10405 SW 98TH TERRACE?+
The most recent tax bill on record (2025) was $2,655. 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 10405 SW 98TH TERRACE?+
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 $167,000, this home is listed about 44% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10405 SW 98TH TERRACE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of GAILEY ENTERPRISES REAL ESTATE · Mindy Winslow. MLS #OM729147.
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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