8885 SW 97th Lane Rd Unit A · On Top of the World, FL 34481

$124,900

2 bd · 2.0 ba · 1,356 sqft · Condo public records · 291 Days on market

Built 1984 $92/sqft · 27% below area Est $171k · 27% under $493/mo HOA · 31% of rent

---

Why this score? — see what drove the D 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
• 1% rule +7.7/10.0
• Cash flow +7.2/30.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

Key facts

• End unit
• Walk-in closet
• Private street

Tags

• END UNIT
• PRIVATE STREET
• NO REAR NEIGHBOR
• NO SIDE NEIGHBOR
• WALK-IN CLOSET
• ENSUITE BATHROOM

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $-174 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $94k (24.6% below list).
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $94k (24.6% below list) — sets the bar for cash-flow.
• Cap rate 4.6% 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 D — 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.
• Zoned schools: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% FRL); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: 1161 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 $864 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 291 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 22y ago; this cycle's ask has dropped $45k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 31% of rent.

Recommended offer $94,175 (24.6% 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 291 days. Have you received any prior offers? Is the seller open to a 25% 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. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.27% ✓
• Cap rate: 4.62%
• Cash-on-cash: -5.97%
• DSCR: 0.73
• GRM: 6.5

CMA / ARV

• ARV (median comp): $170,960
• List price: $124,900
• Delta: -26.94%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -26.1%
• Equity multiple: 0.12×
• Total profit: $-30,945
• Equity at exit: $18,623

10-year hold

• IRR: -21.7%
• Equity multiple: -0.14×
• Total profit: $-39,699
• Equity at exit: $10,799

Cash invested: $34,972 (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: 1161
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,589 high
• Mortgage (P&I): −$655
• Tax from tax record: −$229 /mo · $2,753/yr
• Insurance: −$52
• HOA: −$493
• Vacancy / Maint / Mgmt: −$334
• Net cashflow: $-174

Break-even live

Break-even rent $1,809

Max offer price $94,175

Occupancy floor —

Sensitivity live

Price	-10% $-103	-5% $-139	+0% $-174	+5% $-209	+10% $-245
Rent	-10% $-299	-5% $-237	+0% $-174	+5% $-111	+10% $-48
Rate	-1.0pp $-111	-0.5pp $-142	base $-174	+0.5pp $-206	+1.0pp $-239

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	15d	1	0.07mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	23d	1	0.27mi
8935 SW 102nd Pl Ocala, FL	2.0	2.0	1144	$1,500	$1.31	23d	1	0.27mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	23d	1	0.29mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	15d	1	0.32mi
9075 SW 102nd Pl Ocala, FL	2.0	2.0	1008	$1,275	$1.26	23d	1	0.35mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	23d	1	0.48mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,495	$1.03	23d	1	0.56mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	23d	1	0.57mi
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	23d	1	0.60mi
10081 SW 95th Ave Ocala, FL	2.0	2.0	1040	$1,395	$1.34	23d	1	0.67mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	23d	1	0.67mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	23d	1	0.83mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	15d	1	0.88mi
10081 SW 97th Ct Ocala, FL	2.0	1.0	992	$1,200	$1.21	15d	1	0.92mi
9257 SW 82nd Ter Unit H Ocala, FL	2.0	2.0	1748	$1,600	$0.92	23d	1	0.93mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	23d	1	0.95mi
8430 SW 90th Ln Unit D Ocala, FL	2.0	2.0	1454	$1,600	$1.10	23d	1	0.96mi
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	23d	1	0.97mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	23d	1	0.97mi
8744 SW 108th Lane Rd Ocala, FL	3.0	2.0	1614	$2,200	$1.36	23d	1	0.97mi
8431 SW 90th Ln Ocala, FL	2.0	2.0	1366	$1,395	$1.02	23d	1	0.99mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	23d	1	1.00mi
9201 SW 108th Pl Ocala, FL	2.0	2.0	1170	$1,475	$1.26	23d	15	1.05mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,750	$0.97	15d	1	1.06mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,795	$0.99	23d	1	1.06mi
8947 SW 108th Pl Ocala, FL	2.0	2.0	1096	$1,500	$1.37	23d	1	1.06mi
10405 SW 99th Ave Ocala, FL	2.0	2.0	1040	$1,450	$1.39	23d	1	1.13mi
8669 SW 108th Ln Ocala, FL	2.0	1.0	1152	$1,250	$1.09	23d	1	1.13mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	15d	1	1.15mi
10819 SW 83rd Ct Ocala, FL	3.0	2.0	1601	$1,495	$0.93	23d	1	1.17mi
10155 SW 100th Ave Ocala, FL	2.0	2.0	1040	$1,700	$1.63	23d	1	1.18mi
8942 SW 109th Ln Ocala, FL	2.0	2.0	960	$1,450	$1.51	23d	1	1.24mi
8130 SW 108th Street Rd Ocala, FL	2.0	2.0	1084	$1,975	$1.82	23d	1	1.28mi
9119 SW 99th Court Rd Ocala, FL	2.0	2.0	1504	$1,900	$1.26	23d	1	1.42mi
8701 SW 83rd Cir Ocala, FL	3.0	2.0	1726	$2,200	$1.27	15d	1	1.47mi
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$2,200	$1.57	23d	1	1.49mi

HOA detail condo

• Monthly dues: $493 · $5,916/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 23 events

1. 2026-05-19
   price $124,900 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

2. 2026-04-15
   status Active 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

3. 2026-04-07
   status Pending 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

4. 2026-03-03
   price $139,900 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

5. 2026-02-16
   price $149,900 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

6. 2026-01-28
   status Active 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

7. 2026-01-28
   price $159,900 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

8. 2025-12-01
   price $145,000 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

9. 2025-10-23
   status Active 968-char remark

   Show marketing remark (968 chars)

   Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

10. 2025-09-29
    status Pending 968-char remark

    Show marketing remark (968 chars)

    Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

11. 2025-09-22
    price $149,900 968-char remark

    Show marketing remark (968 chars)

    Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

12. 2025-09-15
    price $164,500 968-char remark

    Show marketing remark (968 chars)

    Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

13. 2025-07-08
    listed $169,900 Active 968-char remark

    Show marketing remark (968 chars)

    Looking for an Extended Philadelphian with privacy? This is it!! This Philadelphian is an end unit located on a private street with no rear neighbor and no side neighbor. This 2 bedroom, 2 bathroom, 1 car garage home has been nicely updated with fresh paint, no popcorn ceilings, and new Luxury Vinyl Plank floors throughout. The kitchen has also been refreshed with new fixtures for a clean look. The main bedroom has an expansive walk-in closet and an ensuite bathroom that has been outfitted with a new vanity cabinet, granite counters, and an updated tile shower. Enjoy views from the desirable northern facing lanai that overlooks a park-like setting. Other notable features include newer windows (2016), newer roof (2016) extended driveway, and almost zero entry way access. Brand New HVAC 1/26/26. On Top of the World is Ocala's premier, luxury, 55+ active adult community with golf cart access to shopping, dining, banking, entertainment, health, and beauty.

14. 2024-07-09
    soldstatus $150,000 Closed 559-char remark

    Show marketing remark (559 chars)

    Located in Americana Village within On Top of the World this End Unit Philadelphian is ready to welcome you home. Featuring 2 bedrooms, 2 baths, and a 1 car garage. Conveniently located to the main gate and the Health and Rec Center. Features of the home include: Roof 2015, Windows 2016.. With golf cart access to three shopping centers, and access to Central amenities you can enjoy all that the community has to offer. Located in Ocala’s premier, gated, active 55+ community, loaded with amenities, including golf cart access to two shopping centers.

15. 2024-05-31
    status Pending 559-char remark

    Show marketing remark (559 chars)

    Located in Americana Village within On Top of the World this End Unit Philadelphian is ready to welcome you home. Featuring 2 bedrooms, 2 baths, and a 1 car garage. Conveniently located to the main gate and the Health and Rec Center. Features of the home include: Roof 2015, Windows 2016.. With golf cart access to three shopping centers, and access to Central amenities you can enjoy all that the community has to offer. Located in Ocala’s premier, gated, active 55+ community, loaded with amenities, including golf cart access to two shopping centers.

16. 2024-03-04
    listed $175,000 Active 559-char remark

    Show marketing remark (559 chars)

    Located in Americana Village within On Top of the World this End Unit Philadelphian is ready to welcome you home. Featuring 2 bedrooms, 2 baths, and a 1 car garage. Conveniently located to the main gate and the Health and Rec Center. Features of the home include: Roof 2015, Windows 2016.. With golf cart access to three shopping centers, and access to Central amenities you can enjoy all that the community has to offer. Located in Ocala’s premier, gated, active 55+ community, loaded with amenities, including golf cart access to two shopping centers.

17. 2021-12-01
    soldstatus $146,000 Closed
18. 2021-11-01
    status Pending
19. 2021-10-27
    listed $150,000 Active
20. 2004-06-01
    soldstatus $57,000
21. 2004-05-13
    soldstatus $57,000
22. 2004-03-12
    listed $59,900
23. 1984-05-01
    soldstatus $54,630

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

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,753 · $229/mo
• Projected year-2 tax: $2,753 · $229/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $19,071
• − Mortgage interest: −$6,996
• − Property taxes: −$2,753
• − Insurance: −$624
• − Repairs & maintenance: −$1,526
• − Management: −$1,526
• − HOA: −$5,916
• − Depreciation: −$3,633
• Taxable loss: −$3,904
• Est. tax savings @ 24.0%: +$937
• After-tax cash flow: $-1,150/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.

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

+128.6% since first listed

23 events — show timeline

• 2026-05-19 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $139,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-28 Price Changed $159,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-01 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-09-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-09-22 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-15 Price Changed $164,500 Stellar MLS as Distributed by MLS Grid
• 2025-07-08 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 2024-07-09 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
• 2024-05-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-03-04 Listed $175,000 Stellar MLS as Distributed by MLS Grid
• 2021-12-01 Sold (MLS) $146,000 Stellar MLS as Distributed by MLS Grid
• 2021-11-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-10-27 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2004-06-01 Sold (Public Records) $57,000 Public Records
• 2004-05-13 Sold (MLS) $57,000 Stellar MLS as Distributed by MLS Grid
• 2004-03-12 Listed $59,900 Stellar MLS as Distributed by MLS Grid
• 1984-05-01 Sold (Public Records) $54,630 Public Records

Property tax history

+12.0%/yr

Latest (2025): $2,753 · -0.2% YoY. Source: county tax records.