Single Family Residence in ON TOP OF THE WORLD, OCALA · No CDD
ON TOP OF THE WORLD · OCALA, FL 34481 · Marion
Listing data updated August 3, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
2,046Sq Ft
2019Year Built
$208Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
12% above
$/sq ft vs community
$208 here vs $186 median sold (12 mo)
Buyer leverage
Seller-leaning
26 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~87 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
How this home is priced against recent nearby sales, and where BELLEVIEW has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in BELLEVIEW
Each dot is a closed sale since 2006 (120 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $208/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 46 (normal).
Property timeline
This home’s history
2019BuiltPer public record
Jul 10, 2026First trackedObserved at $424,900
NowUnder contractCurrently pending
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,707/mo
Principal & interest $2,153/mo80%
Taxes $372/mo14%
Insurance $132/mo5%
HOA $50/mo2%
$2,707/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area20
This home $208/sq ft vs the community 12-month median $186/sq ft.
Affordability0
List price $424,900 vs the community median $240,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~87 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2019 build. Obtain a property-specific quote.
Market liquidity67
Community median 41 days on market (12-month record).
Renovation upside10
From a 2019 build and $208/sq ft vs the community median $186/sq ft. Not a condition assessment.
Buyer competition78
22% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power62
Recent sales closed at about 95.6% of original asking (~4.4% below). More room below asking generally favors buyers.
Market timing54
Momentum Market Heat is 46/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $208 per square foot, about 12% above the community’s $186 median. BELLEVIEW’s 12-month median sold price per square foot is $186. Median sold price per square foot is down 26.2% year over year. Confidence: Medium · 9 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent BELLEVIEW sales closed near 95.6% of original asking. Cash paid for about 22% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3904 active listings in BELLEVIEW, no CDD assessment.
Updated August 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
LOCATION truly is everything, and this exceptional 2019 Ariana delivers on every level. Perfectly positioned on a magnificent private lot in Avalon 6 with desirable northeast exposure and no rear neighbors, this home offers breathtaking views. This thoughtfully designed ?Smart?
home blends style and functionality with 2 bedrooms, 2 bathrooms, FLEX room and an oversized 2.5-car garage. The gourmet kitchen with center island is a true showpiece, featuring elegant white soft-close cabinetry with crown molding, dovetail drawers, and rain glass inserts, complemented by quartz countertops, stainless steel appliances, and a designer backsplash. Ideal for entertaining, the coordinating built-in wet bar adds both convenience and sophistication with custom lighting and pull-out shelving.
The spacious primary suite offers a relaxing retreat with a large walk-in closet and an en suite bathroom complete with dual vanities and an oversized walk-in shower. Guests will feel right at home in the expanded guest bedroom, which easily accommodates a king-sized bed, and is paired with an upgraded guest bathroom featuring an upgraded tiled shower with glass enclosure. Step outside to enjoy one of the home?s most impressive features?THE VIEW.
The screened lanai and paver patio overlook a beautifully maintained, fully sodded and irrigated yard with raised landscaping and no rear neighbors for the ultimate in peace and tranquility. Additional highlights include wood-look plank tile flooring throughout for seamless flow, crown molding, a home surge protector, a 22KW GENERATOR for added peace of mind, and convenient power blinds on both the sliding glass door and front door. The elegant leaded glass front door allows natural light to pour in while still maintaining privacy.
The brick paver driveway and front porch enhance curb appeal, while the epoxy-coated garage floor and generous space allow for two cars, a golf cart, and extra storage. Recent upgrades include a newer refrigerator and dishwasher. On Top of the World is Ocala?s premier 55+, active adult, golf-resort community with a multitude of amenities and golf cart access to shopping, banking, entertainment, health, and beauty.
Description provided by ON TOP OF THE WORLD REAL EST and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$424,900
Bed / bath2 / 2
Living area2,046 sq ft
Year built2019
Property typeSingle Family Residence
Garage2-car
MLS #OM723642
Listing statusPending
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~87 ft
Windstorm exposureLow
CountyMarion
Area listings3904 active · 1310 under contract
Estimated first-year tax~$4,461/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$208
Estimated monthly payment$2,707
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$240,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of ON TOP OF THE WORLD REAL EST · Listing agent: Tammy Coughlin · 866-228-5878Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$335,544the mess$425,568
Actual list price: $424,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 26 days on market vs. a 41-day community median
3911 active listings competing, 1244 under contract
For reference, this home is listed at $424,900 ($208/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,046 sq ft × $164–$208/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 3, 2026.
Keep looking
Similar homes for sale near ON TOP OF THE WORLD
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $424,900Momentum Realty · on market 26 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,461/yr
A rough first-year estimate only, applying a typical Marion rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~87 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Market data · public records
Recent sales activity in ON TOP OF THE WORLD
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the ON TOP OF THE WORLD neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$240,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$186
Canonical 12-month median $/sq ft. Reference only.
Go deeper on ON TOP OF THE WORLD
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Marion County approves final master plan for 442-home Sandy Clay subdivision
Marion County commissioners approved the final Planned Unit Development master plan for Sandy Clay Residential, 442 detached single-family homes on a roughly 120-acre tract at SE 92nd Loop and SE 110th Street Road. The site sits inside the Urban Growth Boundary and the Primary Springs Protection Overlay, and the developer must build turn lanes at the entrances before vertical construction begins.
Why it matters: Final master-plan approval advances a large single-family subdivision in southeast Marion County and adds new road turn-lane infrastructure at the site entrances. The project is about 8 miles southeast of Zz Stellar Marion Unassigned, elsewhere in Marion County.
Marion County Public Schools board hears five-year consolidation plan
Marion County Public Schools presented a five-year plan to replace 11 aging facilities and close four schools, including new construction of South Marion High School and a replacement Lake Weir Middle School. The plan would eliminate 86 portable classrooms and reassign attendance zones such as Wyomina Park to Oakcrest, with a board vote scheduled for August 11, 2026.
Why it matters: The consolidation plan would rebuild aging school facilities, add permanent classroom capacity in place of portables, and adjust attendance-zone boundaries across Marion County. The site is about 9 miles north of Zz Stellar Marion Unassigned.
City of Ocala advances school expansion rezoning on SW 20th Street
The Ocala City Council approved on first reading the rezoning of about three acres in the 2800 block of SW 20th Street from multi-family residential to institutional to allow a preschool expansion. Final adoption is scheduled for August 4, 2026, with a traffic impact analysis required at site-plan review because SW 20th Street operates above its adopted level of service.
Why it matters: The rezoning would convert residential-zoned land to institutional use for a school expansion and flags a traffic study on SW 20th Street, which is operating above its adopted level of service. The project is about 9 miles north of Zz Stellar Marion Unassigned, elsewhere in Marion County.
Site plans detail new Target coming to southwest Ocala
Site plans filed with the Marion County Development Review Committee detail a 128,880-square-foot Target on about 14 acres at State Road 200 and SW 80th Avenue in southwest Ocala, developed by Cornerstone Ocala Properties, LLC. The plan includes 432 parking spaces plus online pick-up spaces and golf cart parking, with access from SW 80th Avenue, SW 90th Street, and SW 93rd Street.
Why it matters: A large-format retail store plan adds shopping capacity to the State Road 200 commercial corridor in southwest Ocala. The project is about 8 miles northwest of Zz Stellar Marion Unassigned, elsewhere in Marion County.
Schools currently assigned to this address in Marion County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Marion County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,947 – $2,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$820 – −$23At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Stellar MLS, refreshed twice daily (last: August 3, 2026)
Community market stats
Stellar MLS closed sales, as of July 15, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 8797 SW 103RD CIRCLE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
