6046 SW 86 CIRCLE, OCALA, FL, 34481
Active180 days on marketListed Jan 31, 2026MLS #OM717839
About this home
6046 SW 86 CIRCLE
***$3,000 OFFERED TOWARD BUYER'S CLOSING COST*** Motivated Seller! Don't build new when you could own this spacious 3 bedroom, 3 1/2 bath RENOWN model in LEXINGTON II. What a perk to buy a brand new home with NO construction headaches, NO portable outhouses and NO construction vehicles blocking streets. This home has over 2800 square feet and sits on a premium (72 feet X 120 feet) dry retention pond lot with no neighbors directly behind the home. You will enjoy the large screened in lanai and the added paver patio for your grill. In addition to the paver patio, the current owners have added landscape curbing, black mulch, a confederate jasmine on a trellis for additional privacy and electrical outlets in soffits for your decorating needs. The oversized garage boasts a golf cart garage as well as a utility sink and plumbing for a water softener. Are you looking for a home with storage? You have found IT! There is a optional walk through closet that connects the master bathroom to laundry room. You will find the same ceramic tile flooring throughput the entire home, which has been professionally sealed (no stained grout) You will be wowed by the open floor plan with 10 feet ceilings and gorgeous kitchen. The kitchen has soft close white cabinets with pullouts in the top and bottom, massive island and a walk in pantry. The glass front door adds a focal point from inside and outside! The premium lot plus the after market upgrades add up to a whopping $49,000. This is a smart home with a 3 year complimentary service with alarm.com. The owners suite plus the kitchen have additional USB outlets. The HOA includes Spectrum high speed internet and T.V. service. All of this and great neighbors.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,809
Sqft
0.2 ac
Lot size
3
Garage
2024
Year built
One
Levels
$205
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.
$4,476 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,476/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−3.3%
$/sqft vs STONE CREEK
$205 vs $203
Days on market
180 vs 43 typical
Where $205/sqft sits among the 39 homes for sale in STONE CREEK
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)
20 of 39
STONE CREEK have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 149% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 6046 SW 86 CIRCLE
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$655,000
9277 SW 70TH LOOP · same community
3 bd · 3 ba · 2,673 sqft · $245/sqft · 66 DOM
Sold · Feb ’26$670,000
6131 SW 86TH CIRCLE · same community
3 bd · 3 ba · 2,483 sqft · $270/sqft · 107 DOM
Sold · Apr ’26$425,000
9443 SW 71ST LOOP · same community
3 bd · 2 ba · 2,413 sqft · $176/sqft · 137 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 6046 SW 86 CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6046 SW 86 CIRCLE — 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
6046 SW 86 CIRCLE FAQs
What would the monthly payment be for 6046 SW 86 CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,476/mo — principal and interest, the actual property-tax bill, the $320/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 6046 SW 86 CIRCLE?+
The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6046 SW 86 CIRCLE?+
The most recent tax bill on record (2025) was $8,138. 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 6046 SW 86 CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $574,850, this home is listed about 92% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6046 SW 86 CIRCLE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$574,850 runs 149% above the OCALA 34481 median — but at 2,809 sqft it's also 62% larger than the typical Ocala listing.
02Time on market is leverage
180 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $589,000, now $574,850 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER REALTY · Beth Anthony. MLS #OM717839.
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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