8221 SW 78TH TERRACE ROAD, OCALA, FL, 34476
Active30 days on marketListed Jul 7, 2026MLS #GC541708
About this home
8221 SW 78TH TERRACE ROAD
Welcome home to this immaculately maintained 2017-built residence offering 3 bedrooms, 2 bathrooms, 1,874 square feet of thoughtfully designed living space, and a two-car garage in the highly sought-after Indigo neighborhood within On Top of the World, Ocala’s premier 55+ resort-style community. From the moment you arrive, you’ll be welcomed by a beautifully landscaped front garden that creates exceptional curb appeal. Inside, the open-concept floor plan is filled with modern finishes and designed for both comfortable everyday living and effortless entertaining. At the heart of the home is a chef-inspired kitchen featuring stainless steel appliances, granite countertops, and an extraordinary 15.5-foot island—an incredible gathering space for entertaining, meal preparation, and casual dining. Wood-look tile flooring flows seamlessly throughout the home, adding both style and durability. The spacious primary suite serves as a private retreat, complete with a generous walk-in closet and a beautifully appointed en suite bathroom featuring a double vanity and a glass-enclosed walk-in shower. Two additional bedrooms and a generously sized guest bathroom provide flexibility for guests, hobbies, or a home office. One of the home’s most inviting features is the expansive screened Florida room, offering the perfect extension of your living space. Open the sliding glass doors and enjoy the fresh Florida breeze while relaxing in comfort, protected from insects year-round. Whether you’re sipping your morning coffee or hosting family and friends, this space is ideal for embracing Florida’s indoor-outdoor lifestyle. Beautifully maintained and truly move-in ready, this exceptional home is located within the highly desirable On Top of the World community, where residents enjoy an active, resort-inspired lifestyle with access to two community pools, fitness facilities, walking trails, golf, clubs, activities, and countless social events. It’s more than a home—it’s a lifestyle. Schedule your private showing today and experience everything this exceptional home and community have to offer. Please note: One or more photos have been virtually staged or enhanced.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,874
Sqft
0.23 ac
Lot size
2
Garage
2017
Year built
One
Levels
$171
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.
$2,584 /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
$2,584/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
+3%
$/sqft vs INDIGO EAST
$171 vs $177
Days on market
30 vs 49 typical
Where $171/sqft sits among the 7 homes for sale in INDIGO EAST
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 → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
2 of 7
INDIGO EAST have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8221 SW 78TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$241,000
8033 SW 81ST LOOP · same community
3 bd · 2 ba · 1,945 sqft · $124/sqft · 80 DOM
Sold · May ’26$257,300
7790 SW 80TH PL ROAD · same community
3 bd · 2 ba · 2,032 sqft · $127/sqft · 5 DOM
Sold · Oct ’25$330,000
7845 SW 80TH PLACE ROAD · same community
3 bd · 2 ba · 2,108 sqft · $157/sqft · 49 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 8221 SW 78TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8221 SW 78TH TERRACE ROAD — 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
8221 SW 78TH TERRACE ROAD FAQs
What would the monthly payment be for 8221 SW 78TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,584/mo — principal and interest, the actual property-tax bill, the $268/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 8221 SW 78TH TERRACE ROAD?+
The association fee works out to $268 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8221 SW 78TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $1,575. 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 8221 SW 78TH TERRACE ROAD?+
The listing reports pets: Size 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 $319,900, this home is listed about 7% above the Ocala median of $298,819. The market section on this page shows how the area is trending.
Which schools are assigned to 8221 SW 78TH TERRACE ROAD?+
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 COLDWELL BANKER M.M. PARRISH REALTORS · Katie Heysel. MLS #GC541708.
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.
Never miss a listing
New Ocala homes, in your inbox
Like 8221 SW 78TH TERRACE ROAD but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →