8972 SW 103RD LANE, OCALA, FL, 34481
Active55 days on marketListed Jun 10, 2026MLS #GC541097
Come see it
Upcoming open house
Sun, Aug 16
1:00 PM – 3:00 PM
About this home
8972 SW 103RD LANE
Virtually Staged. Welcome home to this charming and move-in ready, 2 bedroom, 2 bathroom home in the sought-after Pine Run Estates 55+ community. Step inside to a large, bright kitchen featuring all newer appliances including a brand-new range and dishwasher, a window over the sink, and a door leading directly to the carport for everyday convenience. Newer vinyl flooring flows throughout the home, complementing the tile in the kitchen, bathroom and dining area. The open dining and living area is bathed in natural light, anchored by a brand-new ceiling fan, and is ideal for entertaining family and friends. A convenient hall coat closet and linen closets in the bathrooms add practical storage throughout. Both bathrooms have been thoughtfully updated with newer tubs, showers, and toilets. The enclosed front porch, freshly finished with painted floors, new siding and a new fan, offers a welcoming spot to relax and enjoy the neighborhood. Outside, you will love the mature landscaping, rain gutters, and the convenience of a one-car carport with a laundry room. The double width 4-car driveway provides plenty of parking space for visitors and family. Open and sunny backyard, perfect blank canvas for gardening and fruit trees. Big-ticket items are already handled: a new electrical panel (2025), a newer HVAC system (2022), and a full roof replacement (2016), giving you true peace of mind from day one. More recent updates include: a brand-new range and dishwasher (2026), new siding, a new ceiling fan, and a freshly painted floor in the enclosed porch (2026), freshly painted interior doors (2026), a new ceiling fan in the dining area (2026), a digital thermostat, newer flooring throughout, and a freshly painted floor in the laundry room (2026). Pine Run Estates residents enjoy access to two swimming pools, two clubhouses, pickleball courts, shuffleboard, and a fully equipped exercise room, all in a welcoming and active 55+ community conveniently located near shopping, dining, and medical services.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,144
Sqft
0.22 ac
Lot size
1981
Year built
One
Levels
$139
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.
$1,517 /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
$1,517/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
+5%
$/sqft vs PINE RUN ESTATE
$139 vs $144
Days on market
55 vs 49 typical
Where $139/sqft sits among the 14 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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
7 of 14
PINE RUN ESTATE have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8972 SW 103RD LANE
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$135,000
10015 SW 90TH COURT · same community
2 bd · 2 ba · 1,144 sqft · $118/sqft · 98 DOM
Sold · Jul ’26$155,000
10061 SW 88TH COURT · same community
2 bd · 2 ba · 1,144 sqft · $135/sqft · 12 DOM
Sold · Aug ’25$162,000
9940 SW 101ST PLACE · same community
2 bd · 2 ba · 1,144 sqft · $142/sqft · 26 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 8972 SW 103RD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8972 SW 103RD LANE — 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
8972 SW 103RD LANE FAQs
What would the monthly payment be for 8972 SW 103RD LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,517/mo — principal and interest, the actual property-tax bill, the $148/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 8972 SW 103RD LANE?+
The association fee works out to $148 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8972 SW 103RD LANE?+
The most recent tax bill on record (2025) was $2,434. 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 8972 SW 103RD LANE?+
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 $159,000, this home is listed about 47% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8972 SW 103RD LANE?+
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 KELLER WILLIAMS GAINESVILLE REALTY PARTNERS · Kamala Magyer. MLS #GC541097.
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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