9820 SW 89TH TERRACE UNIT E, OCALA, FL, 34481
Active57 days on marketListed May 28, 2026MLS #GC540724
About this home
9820 SW 89TH TERRACE UNIT E
PRICE IMPROVEMENT!! Seller is motivated. Welcome to the highly desirable On Top of the World 55+ community, where comfort, entertainment, and maintenance-free living come together! Situated on a desirable corner lot and within short distance to all the amazing amenities, this beautifully maintained home offers the perfect blend of convenience and active living. Enjoy resort-style amenities including a clubhouse, pickleball courts, swimming pools, fitness centers, bingo nights, and countless social activities. The monthly HOA covers lawn care, exterior house painting, sprinkler system maintenance, gate access, trash service, dumpsters, mailboxes, and even a golf cart sticker for added convenience. This move-in ready home features fresh interior paint completed in 2025, updated flooring, a new roof in 2025, A/C replaced in 2023, and a water heater installed in 2021. Enjoy peace of mind with Leaf Filter gutter protection throughout the home and annual pest control service. The spacious lanai includes beautiful plantation shutters installed in 2020, adding a versatile and elegant touch to the home while providing excellent natural light control and privacy. The renovated primary bedroom completed in 2021 adds a modern and comfortable touch, while the kitchen offers stainless steel appliances, tile flooring, and plenty of functionality. Bathrooms feature cozy carpeting for added comfort. If you are looking for an active 55 community with endless amenities, low-maintenance living, and a prime location, this home is a must-see!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,748
Sqft
0.05 ac
Lot size
2
Garage
1994
Year built
One
Levels
$113
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.
$1,972 /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
$1,972/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
−11.7%
$/sqft vs CIRCLE SQUARE WOODS
$113 vs $117
Days on market
57 vs 43 typical
Where $113/sqft sits among the 13 homes for sale in CIRCLE SQUARE WOODS
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)
6 of 13
CIRCLE SQUARE WOODS have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9820 SW 89TH TERRACE UNIT E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$216,999
9220 SW 90TH COURT UNIT B · same community
2 bd · 2 ba · 1,748 sqft · $124/sqft · 23 DOM
Sold · Jun ’26$133,000
8750 SW 90TH LANE UNIT C · same community
2 bd · 2 ba · 1,688 sqft · $79/sqft · 77 DOM
Sold · May ’26$155,900
8634 SW 92ND STREET UNIT A · same community
2 bd · 2 ba · 1,688 sqft · $92/sqft · 3 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9820 SW 89TH TERRACE UNIT E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9820 SW 89TH TERRACE UNIT E — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
9820 SW 89TH TERRACE UNIT E FAQs
What would the monthly payment be for 9820 SW 89TH TERRACE UNIT E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,972/mo — principal and interest, the actual property-tax bill, the $500/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 9820 SW 89TH TERRACE UNIT E?+
The association fee works out to $500 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9820 SW 89TH TERRACE UNIT E?+
The most recent tax bill on record (2025) was $709. 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 9820 SW 89TH TERRACE UNIT E?+
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 $198,000, this home is listed about 34% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9820 SW 89TH TERRACE UNIT E?+
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.
The brief
Three things that matter here
01Under the OCALA 34481 market on paper
$198,000 is 16% below the OCALA 34481 median of $234,900, and at $113/sqft it sits under the Ocala average of $204.
02Know the monthly fee
The association fee is $500/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03The price has already moved
Listed at $210,000, now $198,000 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEPINE REALTY · Marielena Petrucelli Moronta. MLS #GC540724.
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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