8640 SW 86th Cir, photo 1
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Overview

4 bd2 ba2,275 sqft2 car garageSingle Family
TypeSingle Family
HOA$366.1/mo
Built2011
Lot8,960 sqft
Living area2,275 sqft
Price / sqft$193
Garage2 car

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About this home

Ceiling Fans(s)Split BedroomThermostatWalk-in Closet(s)Buyer Approval RequiredClubhouseDeed RestrictionsDog Park

8640 SW 86th Cir is a 2011-built home in Candler Hills, Ocala. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,275 square feet of living space. Listed at $439,800 (about $193/sqft), 83 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $366.1 monthly.

From the listing

Golf Course Lot: Custom Sterling II in the estate section of Candler Hills at On Top of the World offering approximately 2,275 living square feet on an oversized golf course lot overlooking the 11th hole of Candler Hills Golf Course with golf course and sunset views. Renovated in 2023, this open-concept home features luxury vinyl plank flooring throughout, crown molding, tray ceilings, louvered interior shutters, recessed lighting, updated fixtures, and 5¼-inch baseboards. The kitchen was remodeled in 2023 with updated countertops, cooktop, built-in oven and microwave, range hood, and dishwasher. The primary living areas flow seamlessly to the expanded lanai, completed in 2023 with new flooring and an extended birdcage, providing additional outdoor living space overlooking the golf course. Additional updates include a new roof with transferable Platinum Protection Warranty (2026), HVAC (2020), and washing machine (2026). The oversized two-car garage includes a separate golf cart garage with its own overhead door, providing space for a golf cart, storage, or workshop. Located in Candler Hills at On Top of the World, residents enjoy access to community amenities, including golf, recreation centers, fitness facilities, clubs, walking trails, and additional amenities. Schedule your private showing today.

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The essentials

Built
2011
Price / sqft
$193
On market
83 days
Annual tax
$6,313
HOA
$366.1/mo
Flood zone
X · Low risk
Lot
8,960 sqft
Type
Single Family Residence

At a glance

Single family
Built 2011
Community pool
Shared amenity
2 car garage
8,960 sqft lot
Lot size
2,275 sqft
Living area

Payment

Est. monthly payment
$3,406/mo
Down payment (20%)
$87,960
Property taxes
$526/mo
HOA
$366.1/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2011
Lot
8,960 sqft
Cooling
Central Air
Heating
Natural Gas
Parking
-
Days on Market
83
Ceiling Fans(s)
Split Bedroom
Thermostat
Walk-in Closet(s)
Buyer Approval Required
Clubhouse
Deed Restrictions
Dog Park
Gated Community - No Guard
Golf Carts OK
Pool
Restaurant
Sidewalks
Tennis Court(s)
Built-in Oven
Cooktop
Dishwasher
Dryer
Microwave
Range Hood
Refrigerator
Washer
In a CDD (Community Development District) Flood Zone x
Annual Tax (2025)
$6,313
Parcel #
3531-1018-17

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
Candler Hills
County
Marion
MLS Area
34481 - Ocala
Lot Size
8,960 sqft
HOA
$366.1/mo
Lori Sands

Price history

Date
Event
Price
10/7/2026
Price change
Source: Stellar MLS #OM728996
$439,800-1.2%
$193/sqft
7/22/2026
Listed for sale
Source: Stellar MLS #OM728996
$445,000
$196/sqft

Neighborhood

8640 SW 86th Cir
Ocala, FL, 34481 · 34481 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $439,800
$430,000 – $439,800
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 83 after a $5,200 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
$3,406/mo
Principal & interest$2,294
Property taxes$526
Insurance$220
HOA$366
Down payment20% · $87,960
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

$439,800

$193 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,275 sq ft

Time on market

83 days

Year built

2011

Monthly payment

About $3,406/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,313 annual tax bill, insurance, and the $366.1/mo HOA fee.

HOA fee

$366.1/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: Christy MainListing data from Stellar MLS, MLS# OM728996.

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