8635 SW 95th St Unit B · On Top of the World, FL 34481

$119,900

2 bd · 2.0 ba · 1,484 sqft · Condo public records · 268 Days on market

Built 1984 $81/sqft · 31% below area Est $174k · 31% under $493/mo HOA · 30% of rent

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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).

• Cash flow +15.2/30.0
• ARV discount +15.0/15.0
• 1% rule +8.6/10.0
• DSCR +4.7/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

Key facts

• Covered porch
• Glass storm door
• Walk-in closet

Tags

• ENCLOSED FLORIDA ROOM
• COVERED PORCH
• GLASS STORM DOOR
• WALK-IN CLOSET
• AMPLE SHELVING
• TILED SHOWER

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $120k.

Deal economics

• At list price, monthly cash flow is $42 ($510/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.7% 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 34% 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 $829 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 268 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 23y ago; this cycle's ask has dropped $29k (20%) 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 $105,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 268 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
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 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: 1.36% ✓
• Cap rate: 6.72%
• Cash-on-cash: 1.52%
• DSCR: 1.07
• GRM: 6.1

CMA / ARV

• ARV (median comp): $173,730
• List price: $119,900
• Delta: -30.99%
• 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: -13.6%
• Equity multiple: 0.51×
• Total profit: $-16,445
• Equity at exit: $17,877

10-year hold

• IRR: -4.3%
• Equity multiple: 0.71×
• Total profit: $-9,704
• Equity at exit: $10,367

Cash invested: $33,572 (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: 6.1×

Monthly cashflow live

• Estimated rent: $1,626 high
• Mortgage (P&I): −$629
• Tax from tax record: −$70 /mo · $845/yr
• Insurance: −$50
• HOA: −$493
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $42

Break-even live

Break-even rent $1,572

Max offer price $119,900

Occupancy floor 92%

Sensitivity live

Price	-10% $110	-5% $76	+0% $42	+5% $9	+10% $-25
Rent	-10% $-86	-5% $-22	+0% $42	+5% $107	+10% $171
Rate	-1.0pp $103	-0.5pp $73	base $42	+0.5pp $11	+1.0pp $-20

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: $29,975
• Closing costs: $3,597
• Reserves months: —
• Total cash needed: —

Rent comps 31 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	21d	1	0.15mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	21d	1	0.22mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	14d	1	0.24mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	21d	1	0.27mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	21d	1	0.28mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	21d	1	0.29mi
9257 SW 82nd Ter Unit H Ocala, FL	2.0	2.0	1748	$1,600	$0.92	21d	1	0.39mi
8430 SW 90th Ln Unit D Ocala, FL	2.0	2.0	1454	$1,600	$1.10	21d	1	0.46mi
8431 SW 90th Ln Ocala, FL	2.0	2.0	1366	$1,395	$1.02	21d	1	0.49mi
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	14d	1	0.50mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	14d	1	0.76mi
8935 SW 102nd Pl Ocala, FL	2.0	2.0	1144	$1,500	$1.31	21d	1	0.81mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,750	$0.97	14d	1	0.84mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,795	$0.99	21d	1	0.85mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	21d	1	0.85mi
9075 SW 102nd Pl Ocala, FL	2.0	2.0	1008	$1,275	$1.26	21d	1	0.90mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	21d	1	0.95mi
8701 SW 83rd Cir Ocala, FL	3.0	2.0	1726	$2,200	$1.27	14d	1	0.96mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,495	$1.03	21d	1	1.09mi
7754 SW 86th Loop Ocala, FL	2.0	2.0	1460	$1,800	$1.23	21d	1	1.10mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	14d	1	1.13mi
10081 SW 95th Ave Ocala, FL	2.0	2.0	1040	$1,395	$1.34	21d	1	1.15mi
8714 SW 83rd Loop Ocala, FL	2.0	2.0	1658	$1,900	$1.15	14d	1	1.25mi
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	21d	1	1.30mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	21d	1	1.30mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	21d	1	1.34mi
10081 SW 97th Ct Ocala, FL	2.0	1.0	992	$1,200	$1.21	14d	1	1.38mi
8744 SW 108th Lane Rd Ocala, FL	3.0	2.0	1614	$2,200	$1.36	21d	1	1.40mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	21d	1	1.45mi
10819 SW 83rd Ct Ocala, FL	3.0	2.0	1601	$1,495	$0.93	21d	1	1.48mi
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$2,200	$1.57	21d	1	1.49mi

HOA detail condo

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

Listing history 31 events

1. 2026-06-18
   days on market $119,900 Active 268 DOM
2. 2026-06-17
   days on market $119,900 Active 267 DOM
3. 2026-06-16
   days on market $119,900 Active 266 DOM
4. 2026-06-15
   days on market $119,900 Active 265 DOM
5. 2026-06-14
   days on market $119,900 Active 263 DOM
6. 2026-06-13
   days on market $119,900 Active 262 DOM
7. 2026-06-10
   days on market $119,900 Active 260 DOM
8. 2026-06-09
   days on market $119,900 Active 259 DOM
9. 2026-06-08
   days on market $119,900 Active 258 DOM
10. 2026-06-07
    days on market $119,900 Active 257 DOM
11. 2026-06-03
    days on market $119,900 Active 253 DOM
12. 2026-06-02
    days on market $119,900 Active 252 DOM
13. 2026-05-31
    days on market $119,900 Active 250 DOM
14. 2026-05-30
    days on market $119,900 Active 249 DOM
15. 2026-05-18
    price $119,900 1152-char remark

    Show marketing remark (1152 chars)

    INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

16. 2026-04-29
    price $124,900 1152-char remark

    Show marketing remark (1152 chars)

    INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

17. 2026-02-24
    price $129,900 1152-char remark

    Show marketing remark (1152 chars)

    INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

18. 2026-02-02
    price $140,000 1152-char remark

    Show marketing remark (1152 chars)

    INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

19. 2025-10-17
    price $144,000 1152-char remark

    Show marketing remark (1152 chars)

    INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

20. 2025-09-23
    listed $149,000 Active 1152-char remark

    Show marketing remark (1152 chars)

    INVESTOR POTENTIAL Great floor plan! 2/2 Newport model with 1484 living sq ft. The true BONUS is the convenient ENCLOSED LANAI just off the kitchen with AC comfort, EXTRA SPACE to make it what you need because it is under heat and air! Beautiful SHADY front yard, covered porch and glass storm door welcomes you inside. Spacious living room is large enough for a formal dining area if you choose. Separate kitchen with bar seating has a NEW 2026 refrigerator and is open to a cozy sitting area, kitchen table spot or desk space. The primary bedroom is large enough for all your furniture needs. It has a walk-in closet with ample shelving and bath with tiled shower. The second bedroom and bath are perfect sizes for your guests and two closets in the hallway provide extra storage. AC ducts cleaned and sealed this year and Seller is also offering a HOME WARRANTY. NOW is YOUR chance to own in OTOW. The monthly HOA fee covers lawn service, exterior painting every 7 years, roof repairs if needed, basic cable, master insurance for the home's exterior and of course ALL the OTOW amenities! Check out their website and fall in love with the lifestyle!

21. 2025-01-31
    soldstatus $129,900 Closed 1712-char remark

    Show marketing remark (1712 chars)

    This lovely Newport model in OTOW is a rare find. As you walk up to this villa, you will immediately notice a beautiful covered front porch. You will enjoy relaxing on the front porch reading an enjoyable book or visiting with your neighbors. When you enter the front door, you will find a lovely living room and formal dining-space combination. Continue through and you will discover the kitchen is open to a cozy family room and kitchen eat in area. Beyond the cozy family room is an enclosed florida room which is under heat and air which can serve as an office or den. The master bedroom is large and will easily fit a king-sized bedroom suite. The master bedroom closet is also large with ample shelving. The guest bedroom is the prefect size for your overnight guests. The two closets in the hallway provide extra storage space for your linens and such. A great bonus is that the roof was replaced in 2017. On Top of the World isn’t just a place to live. Living in the beautiful community of OTOW is a lifestyle. You can be as busy as you would like to be or just enjoy the laid-back style of living in OTOW. The monthly HOA fee covers so much for you. Your lawn service is included, exterior painting every 7 years, roof repairs if needed, basic cable TV, master insurance plan for the exterior of the home, and use of all the OTOW clubhouse facilities. There are multiple pools, a state-of the art gym, racquetball courts, tennis courts, library, hot tubs, meeting rooms and craft rooms and much more. The tortoise and hare golf course is a private golf course for OTOW residents only. The Pub is a private restaurant for OTOW homeowners. Don't miss out on your chance to make this villa your home.

22. 2025-01-31
    soldstatus $129,900

    Show marketing remark (1712 chars)

    This lovely Newport model in OTOW is a rare find. As you walk up to this villa, you will immediately notice a beautiful covered front porch. You will enjoy relaxing on the front porch reading an enjoyable book or visiting with your neighbors. When you enter the front door, you will find a lovely living room and formal dining-space combination. Continue through and you will discover the kitchen is open to a cozy family room and kitchen eat in area. Beyond the cozy family room is an enclosed florida room which is under heat and air which can serve as an office or den. The master bedroom is large and will easily fit a king-sized bedroom suite. The master bedroom closet is also large with ample shelving. The guest bedroom is the prefect size for your overnight guests. The two closets in the hallway provide extra storage space for your linens and such. A great bonus is that the roof was replaced in 2017. On Top of the World isn’t just a place to live. Living in the beautiful community of OTOW is a lifestyle. You can be as busy as you would like to be or just enjoy the laid-back style of living in OTOW. The monthly HOA fee covers so much for you. Your lawn service is included, exterior painting every 7 years, roof repairs if needed, basic cable TV, master insurance plan for the exterior of the home, and use of all the OTOW clubhouse facilities. There are multiple pools, a state-of the art gym, racquetball courts, tennis courts, library, hot tubs, meeting rooms and craft rooms and much more. The tortoise and hare golf course is a private golf course for OTOW residents only. The Pub is a private restaurant for OTOW homeowners. Don't miss out on your chance to make this villa your home.

23. 2024-12-20
    status Pending 1712-char remark

    Show marketing remark (1712 chars)

    This lovely Newport model in OTOW is a rare find. As you walk up to this villa, you will immediately notice a beautiful covered front porch. You will enjoy relaxing on the front porch reading an enjoyable book or visiting with your neighbors. When you enter the front door, you will find a lovely living room and formal dining-space combination. Continue through and you will discover the kitchen is open to a cozy family room and kitchen eat in area. Beyond the cozy family room is an enclosed florida room which is under heat and air which can serve as an office or den. The master bedroom is large and will easily fit a king-sized bedroom suite. The master bedroom closet is also large with ample shelving. The guest bedroom is the prefect size for your overnight guests. The two closets in the hallway provide extra storage space for your linens and such. A great bonus is that the roof was replaced in 2017. On Top of the World isn’t just a place to live. Living in the beautiful community of OTOW is a lifestyle. You can be as busy as you would like to be or just enjoy the laid-back style of living in OTOW. The monthly HOA fee covers so much for you. Your lawn service is included, exterior painting every 7 years, roof repairs if needed, basic cable TV, master insurance plan for the exterior of the home, and use of all the OTOW clubhouse facilities. There are multiple pools, a state-of the art gym, racquetball courts, tennis courts, library, hot tubs, meeting rooms and craft rooms and much more. The tortoise and hare golf course is a private golf course for OTOW residents only. The Pub is a private restaurant for OTOW homeowners. Don't miss out on your chance to make this villa your home.

24. 2024-12-11
    price $129,900 1712-char remark

    Show marketing remark (1712 chars)

    This lovely Newport model in OTOW is a rare find. As you walk up to this villa, you will immediately notice a beautiful covered front porch. You will enjoy relaxing on the front porch reading an enjoyable book or visiting with your neighbors. When you enter the front door, you will find a lovely living room and formal dining-space combination. Continue through and you will discover the kitchen is open to a cozy family room and kitchen eat in area. Beyond the cozy family room is an enclosed florida room which is under heat and air which can serve as an office or den. The master bedroom is large and will easily fit a king-sized bedroom suite. The master bedroom closet is also large with ample shelving. The guest bedroom is the prefect size for your overnight guests. The two closets in the hallway provide extra storage space for your linens and such. A great bonus is that the roof was replaced in 2017. On Top of the World isn’t just a place to live. Living in the beautiful community of OTOW is a lifestyle. You can be as busy as you would like to be or just enjoy the laid-back style of living in OTOW. The monthly HOA fee covers so much for you. Your lawn service is included, exterior painting every 7 years, roof repairs if needed, basic cable TV, master insurance plan for the exterior of the home, and use of all the OTOW clubhouse facilities. There are multiple pools, a state-of the art gym, racquetball courts, tennis courts, library, hot tubs, meeting rooms and craft rooms and much more. The tortoise and hare golf course is a private golf course for OTOW residents only. The Pub is a private restaurant for OTOW homeowners. Don't miss out on your chance to make this villa your home.

25. 2024-11-05
    listed $159,900 Active 1712-char remark

    Show marketing remark (1712 chars)

    This lovely Newport model in OTOW is a rare find. As you walk up to this villa, you will immediately notice a beautiful covered front porch. You will enjoy relaxing on the front porch reading an enjoyable book or visiting with your neighbors. When you enter the front door, you will find a lovely living room and formal dining-space combination. Continue through and you will discover the kitchen is open to a cozy family room and kitchen eat in area. Beyond the cozy family room is an enclosed florida room which is under heat and air which can serve as an office or den. The master bedroom is large and will easily fit a king-sized bedroom suite. The master bedroom closet is also large with ample shelving. The guest bedroom is the prefect size for your overnight guests. The two closets in the hallway provide extra storage space for your linens and such. A great bonus is that the roof was replaced in 2017. On Top of the World isn’t just a place to live. Living in the beautiful community of OTOW is a lifestyle. You can be as busy as you would like to be or just enjoy the laid-back style of living in OTOW. The monthly HOA fee covers so much for you. Your lawn service is included, exterior painting every 7 years, roof repairs if needed, basic cable TV, master insurance plan for the exterior of the home, and use of all the OTOW clubhouse facilities. There are multiple pools, a state-of the art gym, racquetball courts, tennis courts, library, hot tubs, meeting rooms and craft rooms and much more. The tortoise and hare golf course is a private golf course for OTOW residents only. The Pub is a private restaurant for OTOW homeowners. Don't miss out on your chance to make this villa your home.

26. 2004-06-15
    soldstatus $66,900
27. 2003-12-29
    soldstatus $45,000
28. 2003-12-05
    soldstatus $45,000
29. 2003-10-14
    listed $47,500
30. 1988-08-01
    soldstatus $60,000
31. 1984-11-01
    soldstatus $56,745

ⓘ 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: $845 · $70/mo
• Projected year-2 tax: $995 · $83/mo
• Expected delta: +$150/yr (+$13/mo · 17.8%)

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

Taxation est. · year 1

• Rental income: $19,513
• − Mortgage interest: −$6,716
• − Property taxes: −$845
• − Insurance: −$600
• − Repairs & maintenance: −$1,561
• − Management: −$1,561
• − HOA: −$5,916
• − Depreciation: −$3,488
• Taxable loss: −$1,174
• Est. tax savings @ 24.0%: +$282
• After-tax cash flow: $791/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

+111.3% since first listed

17 events — show timeline

• 2026-05-18 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-29 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-24 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-02 Price Changed $140,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-17 Price Changed $144,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-23 Listed $149,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-31 Sold (Public Records) $129,900 Public Records
• 2025-01-31 Sold (MLS) $129,900 Stellar MLS as Distributed by MLS Grid
• 2024-12-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-12-11 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2024-11-05 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2004-06-15 Sold (Public Records) $66,900 Public Records
• 2003-12-29 Sold (Public Records) $45,000 Public Records
• 2003-12-05 Sold (MLS) $45,000 Stellar MLS as Distributed by MLS Grid
• 2003-10-14 Listed $47,500 Stellar MLS as Distributed by MLS Grid
• 1988-08-01 Sold (Public Records) $60,000 Public Records
• 1984-11-01 Sold (Public Records) $56,745 Public Records

Property tax history

+7.5%/yr

Latest (2025): $845 · +36.6% YoY. Source: county tax records.