9040 SW 91ST TERRACE, OCALA, FL, 34481
Pending16 days on marketListed Jul 21, 2026MLS #OM728683
About this home
9040 SW 91ST TERRACE
PRICED TO SELL! Enjoy Easy, Active Living in One of Ocala’s Premier 55+ Communities! 2014 Roof, 2012 HVAC & House Plumbing Re-piped 2018 at same time water heater replaced. Welcome to this popular Franklin Model courtyard home in the highly sought-after, gated golf community of On Top of the World in beautiful Southwest Ocala. Perfectly positioned on a quiet, tree-lined street and conveniently located near community amenities, this charming residence offers the ideal combination of comfort, privacy, and low-maintenance living. Designed with a desirable split-bedroom floor plan, this 2-bedroom, Flex room, 2-bath home provides plenty of space for visiting family and friends while maintaining privacy for the owner. The inviting front porch welcomes you inside, where a spacious foyer leads to two guest bedrooms and a full guest bath. The heart of the home is the bright and open Great Room, ideal for relaxing or entertaining. Tucked away at the rear of the home, the private primary suite features a walk-in closet and an en-suite bath with a large vanity and easy-access step-in shower. A standout feature is the sun-filled Florida Room, offering additional living space with tile flooring and abundant natural light. From here, step outside to your own private courtyard—a peaceful retreat for morning coffee, gardening, or enjoying Florida’s year-round sunshine. The eat-in kitchen offers generous countertop space, ample cabinetry, and a convenient pantry, while the adjacent laundry room provides direct access to the two-car garage. Outside, you'll appreciate the attractive hardscape landscaping, designed to reduce maintenance and help lower irrigation costs. Plus, with extra space between neighboring homes in the rear, you'll enjoy enhanced privacy and tranquility. If you're looking for a home with great potential in a vibrant 55+ community known for its outstanding amenities, golf, clubs, activities, and active lifestyle, this could be the perfect place to call home. The monthly HOA fee includes Basic Spectrum Cable, roof repair, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling at designated locations, 24/7 monitored gates and what seems like endless amenities; four pools (3 outside & 1 inside), two state of the art fitness centers, pickleball (uncovered & covered), billiards, archery range, multiple dog parks, 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 several 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.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,403
Sqft
0.18 ac
Lot size
2
Garage
1997
Year built
One
Levels
$103
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,634 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,634/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−26.7%
Days on market
16 vs 49 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside On Top Of The World
Get to know Ocala. See the full Ocala guide →
On Top Of The World — neighborhood snapshot
Population
9,305
Median age
73
Median income
$51,446
Median home value
$222,633
Avg household
2
Households w/ children
77%
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% below the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kerry Perro
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9040 SW 91ST TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9040 SW 91ST TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kerry's phone and CRM.
Straight answers
9040 SW 91ST TERRACE FAQs
What would the monthly payment be for 9040 SW 91ST TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,634/mo — principal and interest, the actual property-tax bill, the $479/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 9040 SW 91ST TERRACE?+
The association fee works out to $479 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9040 SW 91ST TERRACE?+
The most recent tax bill on record (2025) was $921. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9040 SW 91ST TERRACE?+
The listing reports pets: Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $145,000, this home is listed about 51% below the Ocala median of $298,819. The market section on this page shows how the area is trending.
Which schools are assigned to 9040 SW 91ST TERRACE?+
Liberty Middle School (middle), Hammett Bowen Junior Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of RE/MAX FOXFIRE - HWY200/103 S · Patti Doty. MLS #OM728683.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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