6865 SW 97th Terrace Rd, photo 1
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Overview

3 bd2 ba2,420 sqft3 car garageSingle Family
TypeSingle Family
HOA$265/mo
Built2008
Lot8,778 sqft
Living area2,420 sqft
Price / sqft$233
Garage3 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood Cabinets

6865 SW 97th Terrace Rd is a 2008-built home in Stone Creek, Ocala. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,420 square feet of living space. Listed at $564,900 (about $233/sqft), 131 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $265 monthly.

From the listing

Location, Location, Location! Set on one of the most desirable homesites in Stone Creek and one of the community’s highest elevations, this beautifully maintained 3-bedroom, 2-bath Kingston model enjoys an exceptional setting above the golf course with sweeping views of the 6th green and a glimpse of the lake beyond. The elevated homesite, western exposure, and beautiful golf course backdrop create a sense of openness and privacy that truly sets this property apart. The spacious kitchen is both elegant and functional, featuring cherry-stained maple cabinetry with 42-inch upper cabinets, granite countertops, a travertine backsplash, and stainless-steel appliances. The open-concept floor plan provides comfortable living and entertaining space, with tile flooring throughout the main living areas and new luxury laminate flooring in all bedrooms, adding both style and durability. The primary suite features dual vanities, a frameless glass shower, garden tub, and generous closet space. Recent updates provide peace of mind and include a 2024 roof, HVAC system, water heater, updated irrigation controls, remodeled laundry room, fresh interior paint, and a fully insulated 2.5-car garage with separate golf cart entry. Step outside to your private Florida retreat featuring a screened lanai and saltwater spool with Pentair heat pump, allowing it to function as either a refreshing pool or relaxing spa year-round. The home faces west, providing welcome afternoon shade on the lanai—the perfect place to unwind and enjoy the beautiful golf course setting. Beyond the screen enclosure, a spacious open patio provides additional room for entertaining, outdoor dining, or simply taking in the sweeping views overlooking Stone Creek’s 6th green. A custom-painted driveway enhances the home’s curb appeal and welcoming presence. Located within the highly sought-after active adult community of Del Webb Stone Creek, residents enjoy championship golf, resort-style pools, fitness and spa facilities, tennis, pickleball, numerous clubs, and a vibrant social calendar. Conveniently located just minutes from the World Equestrian Center, shopping, dining, and medical facilities, this move-in-ready home combines an exceptional elevated homesite, beautiful golf course views, extensive updates, and resort-style living in one of Ocala’s most desirable 55+ communities. Seller is motivated—come experience this exceptional Stone Creek home and see what makes this location so special.

The essentials

Built
2008
Price / sqft
$233
On market
131 days
Annual tax
$4,434
HOA
$265/mo
Flood zone
X · Low risk
Lot
8,778 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Water views
Golf Course
Private pool
Heated
3 car garage
Driveway
8,778 sqft lot
Lot size

Payment

Est. monthly payment
$3,863/mo
Down payment (20%)
$112,980
Property taxes
$370/mo
HOA
$265/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
8,778 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Golf Cart Garage
Pool
Heated, In Ground, Salt Water, Screen Enclosure
Days on Market
131
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Association Recreation - Owned
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Pool
Restaurant
Special Community Restrictions
Tennis Court(s)
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$4,434
Parcel #
3489-600-015

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
Stone Creek
County
Marion
MLS Area
34481 - Ocala
Lot Size
8,778 sqft
In CountyOn Golf CoursePrivateRolling SlopeSidewalkPaved
HOA
$265/mo
Rachel Mayer

Price history

Date
Event
Price
10/12/2026
Price change
Source: Stellar MLS #OM726125
$564,900-1.8%
$233/sqft
-
Price change
Source: Stellar MLS #OM726125
$574,999-2.5%
$238/sqft
6/4/2026
Listed for sale
Source: Stellar MLS #OM726125
$590,000
$244/sqft

Neighborhood

6865 SW 97th Terrace Rd
Ocala, FL, 34481 · 34481 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $564,900
$555,000 – $564,900
97.9% – 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 131 after a $25,100 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$3,863/mo
Principal & interest$2,946
Property taxes$370
Insurance$282
HOA$265
Down payment20% · $112,980
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 includes any condo dues 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

$564,900

$233 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,420 sq ft

Time on market

131 days

Year built

2008

Monthly payment

About $3,863/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,434 annual tax bill, insurance, and the $265/mo HOA fee.

HOA fee

$265/mo

Managed by Rachel Mayer.

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 byHIDDEN OAKS REALTY LLCListing agent: Carol KrokelListing data from Stellar MLS, MLS# OM726125.

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