10787 SW 96th Ln, photo 1
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Overview

3 bd2 ba2,678 sqft3 car garageSingle Family
TypeSingle Family
HOA$493.63/mo
Built2026
Lot10,890 sqft
Living area2,678 sqft
Price / sqft$246
Garage3 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
ON TOP OF THE WORLD
Type
Single Family Residence

True monthly carry

HOA
~$494/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Stone CountersThermostatWalk-in Closet(s)ClubhouseDog ParkFitness CenterGated Community - No GuardGolf Carts OK

10787 SW 96th Ln is a 2026-built home in On Top Of The World, Ocala. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,678 square feet of living space. Listed at $658,655 (about $246/sqft), 81 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $493.63 monthly.

From the listing

Discover spacious, thoughtfully designed living in this move-in ready Northampton model located in the sought-after On Top of the World community. Featuring 3 bedrooms, 2 bathrooms, a 3-car garage, and an inviting open-concept layout, this home offers the perfect combination of comfort and versatility. The expansive great room flows effortlessly into the kitchen and breakfast area, creating an ideal setting for both entertaining and everyday living. A dedicated library provides the perfect space for reading or working from home, while the additional flex room can easily serve as a hobby room, fitness space, or guest area to fit your lifestyle. The private primary suite offers a relaxing retreat, and two additional bedrooms provide comfortable accommodations for family and visitors. A dedicated laundry suite adds convenience to this well-designed floor plan. As a resident of On Top of the World, you'll enjoy access to one of Florida's premier 55+ communities, offering more than 21 miles of scenic walking trails, championship golf, resort-style amenities, fitness centers, pickleball and tennis courts, over 175 resident clubs, lifelong learning opportunities, and a full calendar of entertainment and social events. Experience the perfect blend of beautiful surroundings, exceptional amenities, and an active lifestyle in the heart of Ocala.

The essentials

Built
2026
Price / sqft
$246
On market
81 days
Annual tax
$504
HOA
$493.63/mo
Flood zone
X · Low risk
Lot
10,890 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Fitness center too
3 car garage
0.25 acres
Lot size
2,678 sqft
Living area

Payment

Est. monthly payment
$4,300/mo
Down payment (20%)
$131,731
Property taxes
$42/mo
HOA
$493.63/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
10,890 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
81
Stone Counters
Thermostat
Walk-in Closet(s)
Clubhouse
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Pool
Restaurant
Sidewalks
Tennis Court(s)
Built-in Oven
Dishwasher
Microwave
Refrigerator
Flood Zone X
Annual Tax (2025)
$504
Parcel #
3530-065-031

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
On Top Of The World
County
Marion
MLS Area
34481 - Ocala
Lot Size
10,890 sqft
HOA
$493.63/mo
Lori Sands

Price history

Date
Event
Price
7/20/2026
Listed for sale
Source: Stellar MLS #OM728762
$658,655
$246/sqft

Neighborhood

10787 SW 96th Ln
Ocala, FL, 34481 · 34481 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $658,655
$645,000 – $658,655
97.9% – 100% of listTops out right at the list price
80% of listList price
256 of the last 511 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 81.

Sample: 511 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
$4,300/mo
Principal & interest$3,435
Property taxes$42
Insurance$329
HOA$494
Down payment20% · $131,731
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

$658,655

$246 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,678 sq ft

Time on market

81 days

Year built

2026

Monthly payment

About $4,300/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $504 annual tax bill, insurance, and the $493.63/mo HOA fee.

HOA fee

$493.63/mo

Managed by Lori Sands.

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 byON TOP OF THE WORLD REAL ESTListing agent: Jason TaflingerListing data from Stellar MLS, MLS# OM728762.

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