9490 SW 85TH AVENUE UNIT C, OCALA, FL, 34481
Pending13 days on marketListed Jul 23, 2026MLS #OM729047
About this home
9490 SW 85TH AVENUE UNIT C
CUSTOM LAFAYETTE has a stunning kitchen! Welcome home to this beautifully customized Lafayette offering 2 bedrooms, 2 bathrooms, and a 1.5-car garage, thoughtfully designed with quality upgrades throughout. At the heart of the home is a gorgeous custom gourmet kitchen, featuring rich wood cabinetry, a peninsula island, built-in oven and cooktop, custom pantry with pull-out shelving, built-in waste basket, lazy Susan, and a built-in desk- perfect for a convenient home office or household command center. The spacious primary suite offers a walk-in closet complete with custom built-in shelving and a private en suite bathroom. Both bathrooms have been tastefully updated with modern vanities and finished in timeless neutral tones. Step outside and discover your own private oasis. The north-facing paver patio provides the perfect place to relax year-round, while the vinyl-fenced backyard and electric Sunbrella awning create an ideal setting for outdoor entertaining or enjoying your morning coffee in comfort. Additional highlights include laminate flooring in the kitchen and guest bedroom, newer carpet and interior paint (2022), knockdown ceilings, and a 2024 roof, 2016 HVAC and 2018 mini split offering flexibility in cooling the home. Lovingly maintained and move-in ready, this exceptional home can be sold furnished, making your transition effortless. On Top of the World is Ocala's 55+ premier golf resort community with golf cart access to shopping, dining, entertainment, banking, health, and beauty.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,150
Sqft
0 ac
Lot size
1
Garage
1993
Year built
One
Levels
$117
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.
$1,622 /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
$1,622/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
+4.5%
$/sqft vs ON TOP OF THE WORLD
$117 vs $149
Days on market
13 vs 49 typical
Where $117/sqft sits among the 250 homes for sale in ON TOP OF THE WORLD
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)
115 of 250
ON TOP OF THE WORLD have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 9490 SW 85TH AVENUE UNIT C
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$108,000
2431 CANADIAN WAY UNIT 9 · same community
2 bd · 1 ba · 1,100 sqft · $98/sqft · 79 DOM
Sold · Dec ’25$175,000
2071 AUSTRALIA WAY W UNIT 9 · same community
2 bd · 2 ba · 1,100 sqft · $159/sqft · 98 DOM
Sold · Dec ’25$115,000
2358 ECUADORIAN WAY UNIT 56 · same community
2 bd · 2 ba · 1,100 sqft · $105/sqft · 412 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 9490 SW 85TH AVENUE UNIT C — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9490 SW 85TH AVENUE UNIT C — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9490 SW 85TH AVENUE UNIT C FAQs
What would the monthly payment be for 9490 SW 85TH AVENUE UNIT C?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,622/mo — principal and interest, the actual property-tax bill, the $494/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 9490 SW 85TH AVENUE UNIT C?+
The association fee works out to $494 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9490 SW 85TH AVENUE UNIT C?+
The most recent tax bill on record (2025) was $1,378. 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 9490 SW 85TH AVENUE UNIT C?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $134,850, this home is listed about 55% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9490 SW 85TH AVENUE UNIT C?+
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 ON TOP OF THE WORLD REAL EST · Tammy Coughlin. MLS #OM729047.
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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