9664 SW 94th Ter Unit A · On Top of the World, FL 34481

$119,000

2 bd · 2.0 ba · 1,412 sqft · SingleFamily · 317 Days on market

Built 1997 Good condition 2,775 sqft lot $84/sqft · 29% below area Est $168k · 29% under $478/mo HOA · 30% of rent ↓ 39% since listing

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +11.4/30.0
• 1% rule +8.4/10.0
• Condition / age +3.8/5.0
• Schools +3.6/10.0
• DSCR +3.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

Key facts

• Open concept kitchen
• Walk-in closet
• Screened lanai

Tags

• DELPHINA END UNIT VILLA
• GATED GOLF COMMUNITY
• OPEN CONCEPT KITCHEN
• SCREENED LANAI
• WALK-IN CLOSET
• EN SUITE BATH

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $119k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-42 ($-505/yr) — negative.
• To cash-flow at today's rent, offer at most $113k (5.1% below list).
• Meets the 1% rule at list price ($2k rent vs $119k).
• Recommended offer: $105k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.9% vs local median 2.9% in On Top of the World — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 1151 active listings in the ZIP; 31 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 33% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $823 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 317 days — a 12% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $41k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 30% of rent.

Recommended offer $104,720 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 317 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
7. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
8. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.34% ✓
• Cap rate: 5.87%
• Cash-on-cash: -1.52%
• DSCR: 0.93
• GRM: 6.2

CMA / ARV

• ARV (median comp): $167,687
• List price: $119,000
• Delta: -29.03%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9690 SW 95th Ter Unit A	0.12mi	2/2.0	1,412 (0%)	3mo	$140,000	$99	92
9692 SW 95th Ct Unit B	0.08mi	2/2.0	1,412 (0%)	17mo	$159,900	$113	82
9224 SW 91st Cir	0.53mi	2/2.0	1,425 (+1%)	10mo	$155,000	$109	66
9101 SW 91st Cir	0.50mi	2/2.0	1,423 (+1%)	12mo	$231,900	$163	65
8877 SW 96th St Unit D	0.69mi	2/2.0	1,369 (-3%)	1mo	$161,900	$118	62
8814 SW 93rd Ln Unit B	0.73mi	2/2.0	1,411 (-0%)	6mo	$153,000	$108	61
8887 SW 95th Ln Unit G	0.64mi	2/2.0	1,369 (-3%)	7mo	$168,500	$123	60
9297 SW 91st Court Rd	0.58mi	2/2.0	1,344 (-5%)	9mo	$239,900	$178	58
10031 SW 98th Ln	0.56mi	3/2.0 (+1)	1,469 (+4%)	7mo	$260,000	$177	56
8920 SW 97th Lane Rd Unit B	0.58mi	2/2.0	1,368 (-3%)	17mo	$98,000	$72	54
8891 SW 96th Ln Unit E	0.62mi	2/2.0	1,531 (+8%)	15mo	$148,000	$97	44
9347 SW 94th Loop	0.31mi	3/2.0 (+1)	1,616 (+14%)	15mo	$345,000	$213	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -18.4%
• Equity multiple: 0.35×
• Total profit: $-21,647
• Equity at exit: $17,743

10-year hold

• IRR: -10.2%
• Equity multiple: 0.37×
• Total profit: $-21,013
• Equity at exit: $10,289

Cash invested: $33,320 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 34481

• Home prices YoY: -25.2%
• Active inventory: 1151
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,593 high
• Mortgage (P&I): −$624
• Tax est. 1.5%: −$149 /mo · $1,785/yr
• Insurance: −$50
• HOA: −$478
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $-42

Break-even live

Break-even rent $1,646

Max offer price $112,907

Occupancy floor 98%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $29,750
• Closing costs: $3,570
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	21d	1	0.26mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	21d	1	0.26mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	21d	1	0.30mi
10081 SW 95th Ave Ocala, FL	2.0	2.0	1040	$1,395	$1.34	21d	1	0.40mi
10081 SW 97th Ct Ocala, FL	2.0	1.0	992	$1,200	$1.21	14d	1	0.47mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	21d	1	0.49mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,495	$1.03	21d	1	0.54mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	21d	1	0.57mi
9075 SW 102nd Pl Ocala, FL	2.0	2.0	1008	$1,275	$1.26	21d	1	0.67mi
10155 SW 100th Ave Ocala, FL	2.0	2.0	1040	$1,700	$1.63	21d	1	0.69mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	14d	1	0.69mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	14d	1	0.70mi
9119 SW 99th Court Rd Ocala, FL	2.0	2.0	1504	$1,900	$1.26	21d	1	0.74mi
8935 SW 102nd Pl Ocala, FL	2.0	2.0	1144	$1,500	$1.31	21d	1	0.77mi
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	14d	1	0.79mi
10405 SW 99th Ave Ocala, FL	2.0	2.0	1040	$1,450	$1.39	21d	1	0.81mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	21d	1	0.83mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	14d	1	0.83mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	21d	1	0.84mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	21d	1	0.85mi
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$2,200	$1.57	21d	1	0.93mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	21d	1	0.94mi
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	21d	1	0.97mi
9746 SW 89th Loop Ocala, FL	2.0	2.0	1660	$1,950	$1.17	21d	1	0.98mi
9201 SW 108th Pl Ocala, FL	2.0	2.0	1170	$1,475	$1.26	21d	15	1.17mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	21d	1	1.19mi
8430 SW 90th Ln Unit D Ocala, FL	2.0	2.0	1454	$1,600	$1.10	21d	1	1.23mi
8431 SW 90th Ln Ocala, FL	2.0	2.0	1366	$1,395	$1.02	21d	1	1.25mi
9257 SW 82nd Ter Unit H Ocala, FL	2.0	2.0	1748	$1,600	$0.92	21d	1	1.33mi
8947 SW 108th Pl Ocala, FL	2.0	2.0	1096	$1,500	$1.37	21d	1	1.43mi
8744 SW 108th Lane Rd Ocala, FL	3.0	2.0	1614	$2,200	$1.36	21d	1	1.46mi

HOA detail

• Monthly dues: $478 · $5,736/yr
• Likely covers: trashcablelandscapingexterior maint.poolgymsecurity

Listing history 11 events

1. 2026-04-30
   price $119,000 2298-char remark

   Show marketing remark (2298 chars)

   BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

2. 2026-03-18
   price $129,500 2298-char remark

   Show marketing remark (2298 chars)

   BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

3. 2026-03-02
   price $139,000 2298-char remark

   Show marketing remark (2298 chars)

   BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

4. 2026-02-01
   price $145,000 2298-char remark

   Show marketing remark (2298 chars)

   BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

5. 2025-12-02
   price $149,950 2298-char remark

   Show marketing remark (2298 chars)

   BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

6. 2025-07-10
   listed $159,999 Active 2298-char remark

   Show marketing remark (2298 chars)

   BRAND NEW LVP JUST INSTALLED IN KITCHEN/FAMILY ROOM! NEW PRICE & MOTIVATED SELLER! POPULAR Delphina End Unit Villa located in the Crescent Ridge Neighborhood of On Top of the World, a Premiere Gated Golf 55+ Community in Ocala FL. Light and bright end unit with 2 bedrooms, 2 baths (primary w/ step-in shower), 1.5-car garage (sufficient for car & golf cart), Open Concept Kitchen-Family Room, Great Room, and screened lanai. ROOF 2013, HVAC 2018, WINDOWS 2022. Located on a tree lined street, centrally located within the community for easy access to all the amenities! The end unit provides extra privacy with only 1 common wall. Cute front porch perfect place to enjoy your morning coffee, evening beverage, and to meet your neighbors! Step inside the Great Room. The interior of the home has recently been painted throughout. The upgraded wall-to-wall carpet was installed in 2024. The bedrooms are to the left with the hall/guest bath dividing the bedrooms. The large primary bedroom boasts a walk-in closet and en suite bath with step-in shower! Move back through the home to the Family Room – Kitchen! The kitchen bottom cabinets and dishwasher were just replaced in June 2025! The upper cabinets were faced to match the lowers, with a beautiful Corian countertop! Newer appliances and island with seating, as well as table space! Cute little screened lanai offers perfect outside living space. Access the garage via the Great Room where the washer/dryer are located. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and all the amenities that OTOW has to offer; three pools (2 outside & 1 inside & another under construction), two state of the art fitness centers, pickleball, billiards, archery range, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to three shopping centers. 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.

7. 2023-12-09
   historical 650-char remark

   Show marketing remark (650 chars)

   PRICE REDUCED!! This Delphnia floor plan is located in the beautiful Crescent Ridge Community within OTOW. A peacefulness comes over you as you meander through the tree lined streets of this neighborhood. Within close proximity to the Main Clubhouse, Golf Course, Pool and other numerous activities. This plan is one of the more spacious plans for a villa. The openness and room sizes plus the 1 1/2 car screened garage are just some of the bonuses to this plan. Being an END unit, creates a sense of "space" also. Newer vinyl windows in '22, HVAC is 4 yrs. old, Roof is 10 Yr. old. .. This villa is priced right and a must for you to see!

8. 2023-12-08
   soldstatus $179,000 Closed 650-char remark

   Show marketing remark (650 chars)

   PRICE REDUCED!! This Delphnia floor plan is located in the beautiful Crescent Ridge Community within OTOW. A peacefulness comes over you as you meander through the tree lined streets of this neighborhood. Within close proximity to the Main Clubhouse, Golf Course, Pool and other numerous activities. This plan is one of the more spacious plans for a villa. The openness and room sizes plus the 1 1/2 car screened garage are just some of the bonuses to this plan. Being an END unit, creates a sense of "space" also. Newer vinyl windows in '22, HVAC is 4 yrs. old, Roof is 10 Yr. old. .. This villa is priced right and a must for you to see!

9. 2023-11-05
   status Pending 650-char remark

   Show marketing remark (650 chars)

   PRICE REDUCED!! This Delphnia floor plan is located in the beautiful Crescent Ridge Community within OTOW. A peacefulness comes over you as you meander through the tree lined streets of this neighborhood. Within close proximity to the Main Clubhouse, Golf Course, Pool and other numerous activities. This plan is one of the more spacious plans for a villa. The openness and room sizes plus the 1 1/2 car screened garage are just some of the bonuses to this plan. Being an END unit, creates a sense of "space" also. Newer vinyl windows in '22, HVAC is 4 yrs. old, Roof is 10 Yr. old. .. This villa is priced right and a must for you to see!

10. 2023-10-30
    price $179,000 650-char remark

    Show marketing remark (650 chars)

    PRICE REDUCED!! This Delphnia floor plan is located in the beautiful Crescent Ridge Community within OTOW. A peacefulness comes over you as you meander through the tree lined streets of this neighborhood. Within close proximity to the Main Clubhouse, Golf Course, Pool and other numerous activities. This plan is one of the more spacious plans for a villa. The openness and room sizes plus the 1 1/2 car screened garage are just some of the bonuses to this plan. Being an END unit, creates a sense of "space" also. Newer vinyl windows in '22, HVAC is 4 yrs. old, Roof is 10 Yr. old. .. This villa is priced right and a must for you to see!

11. 2023-09-23
    listed $194,000 Active 650-char remark

    Show marketing remark (650 chars)

    PRICE REDUCED!! This Delphnia floor plan is located in the beautiful Crescent Ridge Community within OTOW. A peacefulness comes over you as you meander through the tree lined streets of this neighborhood. Within close proximity to the Main Clubhouse, Golf Course, Pool and other numerous activities. This plan is one of the more spacious plans for a villa. The openness and room sizes plus the 1 1/2 car screened garage are just some of the bonuses to this plan. Being an END unit, creates a sense of "space" also. Newer vinyl windows in '22, HVAC is 4 yrs. old, Roof is 10 Yr. old. .. This villa is priced right and a must for you to see!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $19,113
• − Mortgage interest: −$6,666
• − Property taxes: −$1,785
• − Insurance: −$595
• − Repairs & maintenance: −$1,529
• − Management: −$1,529
• − HOA: −$5,736
• − Depreciation: −$3,462
• Taxable loss: −$2,189
• Est. tax savings @ 24.0%: +$525
• After-tax cash flow: $20/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 6 photos

Good 75/100 Cosmetic rehab

This end-unit villa in On Top of the World is in good condition with recent updates, including new LVP in the kitchen and family room. It offers a peaceful and private setting with a well-maintained exterior and interior. Potential buyers and renters will appreciate the smart home features and curb appeal improvements.

Value-add opportunities

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics.
• Both Replace carpet with hardwood or tile — Hardwood or tile flooring would increase both resale and rental value.
• Both Install smart home devices — Smart home devices improve convenience and energy efficiency, attracting buyers and renters.
• Both Add outdoor lighting — Outdoor lighting enhances safety and curb appeal, making the property more attractive to potential buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Paint interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Replace carpet with hardwood or tile — Hardwood or tile flooring would increase both resale and rental value. ↑
• Both Install smart home devices — Smart home devices improve convenience and energy efficiency, attracting buyers and renters. ↑
• Both Add outdoor lighting — Outdoor lighting enhances safety and curb appeal, making the property more attractive to potential buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 of 73 in FL

Livability — On Top of the World

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: On Top of the World, FL
• County: Marion County · 315,796 people
• City population: 25,668
• Metro: Ocala, FL
• Population (ZIP): 26,782
• Household income: $57,324
• Rent vs Own: 9.8% rent · 90.2% own
• Severe rent burden: 313.0

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Hispanic / Latino 11% Black 7% Two or more races 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 9% French/Haitian/Cajun 1% German/W. Germanic 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -67.48%
• Current HPI: 199.986
• Rent YoY: —
• Metro: Ocala, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-38.7% since first listed

11 events — show timeline

• 2026-04-30 Price Changed $119,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-18 Price Changed $129,500 Stellar MLS as Distributed by MLS Grid
• 2026-03-02 Price Changed $139,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-01 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-02 Price Changed $149,950 Stellar MLS as Distributed by MLS Grid
• 2025-07-10 Listed $159,999 Stellar MLS as Distributed by MLS Grid
• 2023-12-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-12-08 Sold (MLS) $179,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-10-30 Price Changed $179,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-23 Listed $194,000 Stellar MLS as Distributed by MLS Grid