9820 SW 89th Ter #E, photo 1
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Overview

2 bd2 ba1,748 sqft2 car garageSingle Family
TypeSingle Family
HOA$500/mo
Built1994
Lot2,200 sqft
Living area1,748 sqft
Price / sqft$108
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Walk-in Closet(s)GardenBuyer Approval RequiredClubhouseFitness CenterGated Community - GuardGolf Carts OKGolf

9820 SW 89th Ter #E is a 1994-built home in Circle Square Woods, Ocala. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,748 square feet of living space. Listed at $189,000 (about $108/sqft), 137 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $500 monthly.

From the listing

PRICE IMPROVEMENT!! Seller is motivated. Welcome to the highly desirable On Top of the World 55+ community, where comfort, entertainment, and maintenance-free living come together! Situated on a desirable corner lot and within short distance to all the amazing amenities, this beautifully maintained home offers the perfect blend of convenience and active living. Enjoy resort-style amenities including a clubhouse, pickleball courts, swimming pools, fitness centers, bingo nights, and countless social activities. The monthly HOA covers lawn care, exterior house painting, sprinkler system maintenance, gate access, trash service, dumpsters, mailboxes, and even a golf cart sticker for added convenience. This move-in ready home features fresh interior paint completed in 2025, updated flooring, a new roof in 2025, A/C replaced in 2023, and a water heater installed in 2021. Enjoy peace of mind with Leaf Filter gutter protection throughout the home and annual pest control service. The spacious lanai includes beautiful plantation shutters installed in 2020, adding a versatile and elegant touch to the home while providing excellent natural light control and privacy. The renovated primary bedroom completed in 2021 adds a modern and comfortable touch, while the kitchen offers stainless steel appliances, tile flooring, and plenty of functionality. Bathrooms feature cozy carpeting for added comfort. If you are looking for an active 55 community with endless amenities, low-maintenance living, and a prime location, this home is a must-see!

The essentials

Built
1994
Price / sqft
$108
On market
137 days
Annual tax
$709
HOA
$500/mo
Flood zone
X · Low risk
Lot
2,200 sqft
Type
Single Family Residence

At a glance

Single family
Built 1994
Community pool
Fitness center too
2 car garage
2,200 sqft lot
Lot size
1,748 sqft
Living area

Payment

Est. monthly payment
$1,640/mo
Down payment (20%)
$37,800
Property taxes
$59/mo
HOA
$500/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1994
Lot
2,200 sqft
Cooling
Central Air
Heating
None
Parking
-
Days on Market
137
Walk-in Closet(s)
Garden
Buyer Approval Required
Clubhouse
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Handicap Modified
Pool
Restaurant
Tennis Court(s)
Wheelchair Access
Cooktop
Dishwasher
Dryer
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$709
Parcel #
3530-2476-05

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Circle Square Woods
County
Marion
MLS Area
34481 - Ocala
Lot Size
2,200 sqft
HOA
$500/mo
Top Of the World

Price history

Date
Event
Price
10/10/2026
Price change
Source: Stellar MLS #GC540724
$189,000-2.1%
$108/sqft
-
Price change
Source: Stellar MLS #GC540724
$193,000-8.1%
$110/sqft
5/26/2026
Listed for sale
Source: Stellar MLS #GC540724
$210,000
$120/sqft

Neighborhood

9820 SW 89th Ter #E
Ocala, FL, 34481 · 34481 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $189,000
$185,000 – $189,000
97.8% – 100% of listTops out right at the list price
80% of listList price
255 of the last 509 home closings in 34481 landed at this number or higher (50%). The median one sat 51 days before it went under contract, and this one is on day 137 after a $21,000 cut.

Sample: 509 closed home sales in 34481 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,639/mo
Principal & interest$986
Property taxes$59
Insurance$95
HOA$500
Down payment20% · $37,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$189,000

$108 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,748 sq ft

Time on market

137 days

Year built

1994

Monthly payment

About $1,640/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $709 annual tax bill, insurance, and the $500/mo HOA fee.

HOA fee

$500/mo

Managed by Top Of the World.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byPEPINE REALTYListing agent: Marielena Petrucelli MorontaListing data from Stellar MLS, MLS# GC540724.

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