8213 SW 78TH TERRACE ROAD, OCALA, FL, 34476
Active6 days on marketListed Aug 1, 2026MLS #OM729392
About this home
8213 SW 78TH TERRACE ROAD
Skip the Wait for New Construction! This beautifully maintained Aster model offers the perfect opportunity to enjoy Florida's premier 55+ lifestyle today in Indigo East, one of On Top of the World's most desirable neighborhoods. This move-in-ready home features 2 bedrooms with a split-bedroom floor plan, 2 baths, a 2-car garage, and 1,495 sq. ft. of thoughtfully designed living space (2,270 sq. ft. under roof). With luxury vinyl plank and tile flooring throughout—no carpet—the open-concept layout is ideal for both everyday living and entertaining. Outstanding curb appeal begins with a manicured lawn, attractive landscaping, and a peaceful green-space island across the street. Relax on the inviting covered front porch before stepping inside to a bright foyer with abundant natural light and an open view extending to the screened lanai. The gourmet kitchen is the heart of the home, featuring stainless steel appliances, upgraded cabinetry, beautiful countertops, custom tile backsplash, pantry, under-cabinet lighting, under-sink on demand hot water pump, and a spacious L-shaped island with seating, making it perfect for gatherings. A cozy breakfast area provides additional dining space. Privately situated at the rear of the home, the owner's suite offers a large walk-in closet with expanded hanging space and an en suite bath with a custom tiled, glass-enclosed roll-in shower and quartz vanity. The guest bedroom and full bath are thoughtfully located on the opposite side of the home, providing privacy for family and visitors. An inside laundry closet and a spacious 2-car garage with overhead storage and an additional refrigerator add everyday convenience. Step outside to the screened lanai and the distinctive paver patio, creating an ideal setting for outdoor dining, relaxing, or entertaining while enjoying Florida's year-round sunshine. Located on a private homesite in the heart of Indigo East, you'll be just minutes from the community's two resort style pools, fitness center, clubhouse, dog park, walking trails, curbside mail delivery and waste pickup, and all the exceptional lifestyle opportunities that On Top of the World is known for. Residents can purchase a yearly Gateway Pass to enjoy even more amenities in OTOW Central. Centrally located 20 minutes from the World Equestrian Center, easy drive to 4 cruise ports and/or airports, and within a close proximity to entertainment complexes in Orlando.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,495
Sqft
0.17 ac
Lot size
2
Garage
2017
Year built
One
Levels
$172
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.
$2,354 /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
$2,354/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
+3.3%
$/sqft vs INDIGO EAST
$172 vs $177
Days on market
6 vs 50 typical
Where $172/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)
3 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% below the OCALA 34476 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 8213 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$235,000
8303 SW 78TH CIRCLE · same community
2 bd · 2 ba · 1,499 sqft · $157/sqft · 121 DOM
Sold · Sep ’25$263,000
7776 SW 80TH PLACE ROAD · same community
2 bd · 2 ba · 1,499 sqft · $175/sqft · 20 DOM
Sold · Apr ’26$250,000
8325 SW 77TH COURT · same community
2 bd · 2 ba · 1,503 sqft · $166/sqft · 45 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 8213 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 8213 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
8213 SW 78TH TERRACE ROAD FAQs
What would the monthly payment be for 8213 SW 78TH TERRACE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,354/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 8213 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 8213 SW 78TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $3,625. 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 8213 SW 78TH TERRACE ROAD?+
The listing reports pets: 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 $256,650, this home is listed about 14% below the Ocala median of $298,939. The market section on this page shows how the area is trending.
Which schools are assigned to 8213 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.
The brief
Three things that matter here
01Under the OCALA 34476 market on paper
$256,650 is 11% below the OCALA 34476 median of $288,500, and at $172/sqft it sits under the Ocala average of $206.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 6 days on market in a Ocala market that averages 50 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Patti Doty. MLS #OM729392.
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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