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Overview

2 bd2 ba1,090 sqft1 car garageVilla
TypeVilla
HOA$187/mo
Built1993
Lot1,610 sqft
Living area1,090 sqft
Price / sqft$165
Garage1 car

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

About this home

High CeilingsPrimary Bedroom Main FloorWalk-in Closet(s)Private YardCommunity MailboxDeed RestrictionsPoolDryer

10457 SW 85th CT is a 1993-built home in Oak Trace Villas, Ocala. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,090 square feet of living space. Listed at $179,900 (about $165/sqft), 118 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $187 monthly.

From the listing

Welcome to easy living in the gated community of Oak Trace Villas in Southwest Ocala. This well-maintained home offers a low-maintenance lifestyle ideal for full-time living, seasonal use, or a convenient second home. Inside, you’ll find updated kitchen cabinets, comfortable living spaces, and a functional layout designed for everyday comfort and flexibility. Whether you need space for a home office, hobbies, guests, or simply easy living, this home offers versatility to fit a variety of lifestyles. Major updates including a new roof and HVAC in 2019 provide added peace of mind and long-term value. Residents enjoy maintained exterior areas, access to the community pool, and a convenient location close to shopping, dining, medical facilities, and many of Southwest Ocala’s most popular destinations. Southwest Ocala is known for its blend of convenience, outdoor recreation, and Florida lifestyle living. Enjoy easy access to the World Equestrian Center, the hiking and biking trails of Santos Trailhead, kayaking and swimming at Rainbow Springs State Park, and nearby golf courses, parks, and nature areas. Popular restaurants, shopping centers, and everyday conveniences are all just a short drive away. Move-in ready and conveniently located, this home offers an excellent opportunity to enjoy comfortable Florida living with low upkeep and added convenience.

The essentials

Built
1993
Price / sqft
$165
On market
178 days
Annual tax
$1,927
HOA
$187/mo
Flood zone
X · Low risk
Lot
1,610 sqft
Type
Villa

At a glance

Villa
Built 1993
Community pool
Shared amenity
1 car garage
Garage Door Opener
1,610 sqft lot
Lot size
1,090 sqft
Living area

Payment

Est. monthly payment
$1,376/mo
Down payment (20%)
$35,980
Property taxes
$161/mo
HOA
$187/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1993
Lot
1,610 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
Garage Door Opener
Days on Market
178
High Ceilings
Primary Bedroom Main Floor
Walk-in Closet(s)
Private Yard
Community Mailbox
Deed Restrictions
Pool
Dryer
Electric Water Heater
Range
Refrigerator
Washer
Elementary
Hammett Bowen Jr. Elementary
Middle
Horizon Academy/Mar Oaks
High
West Port High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,927
Parcel #
3501-1000902

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
Oak Trace Villas
County
Marion
MLS Area
34481 - Ocala
Lot Size
1,610 sqft
LevelPrivateSlopedStreet Dead-EndPaved
HOA
$187/mo
Carol Chieppa

Price history

Date
Event
Price
7/2/2026
Price change
Source: Stellar MLS #OM722751
$179,900+5.9%
$165/sqft
-
Price change
Source: Stellar MLS #OM722751
$169,900-5.6%
$156/sqft
4/14/2026
Listed for sale
Source: Stellar MLS #OM722751
$179,900
$165/sqft

Neighborhood

10457 SW 85th CT
Ocala, FL, 34481 · 34481 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $179,900
$172,500 – $179,900
95.8% – 100% of listTops out right at the list price
80% of listList price
44 of the last 86 townhouse or villa closings in 34481 landed at this number or higher (51%). The median one sat 73 days before it went under contract, and this one is on day 178.

Sample: 86 closed townhouse or villa sales in 34481 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,376/mo
Principal & interest$938
Property taxes$161
Insurance$90
HOA$187
Down payment20% · $35,980
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

$179,900

$165 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,090 sq ft

Time on market

178 days

Year built

1993

Monthly payment

About $1,376/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,927 annual tax bill, insurance, and the $187/mo HOA fee.

HOA fee

$187/mo

Managed by Carol Chieppa.

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?

Have another question?

Brokered byRE/MAX FOXFIRE - HWY200/103 SListing agent: Megan GuthrieListing data from Stellar MLS, MLS# OM722751.

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