10586 SW 98th Pl, photo 1
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Overview

3 bd3 ba2,703 sqft2 car garageSingle Family
TypeSingle Family
HOA$493.63/mo
Built2023
Lot9,583 sqft
Living area2,703 sqft
Price / sqft$185
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanSmart HomeSolid Surface CountersSplit BedroomStone Counters

10586 SW 98th Pl is a 2023-built home in On Top Of The World Central Longleaf Ridge Phase V, Ocala. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,703 square feet of living space. Listed at $499,900 (about $185/sqft), 39 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $493.63 monthly.

From the listing

PRICE IMPROVEMENT • TWO PRIMARY SUITES • 2,703 SQ FT • BUILT IN LATE 2023 • MULTIGENERATIONAL LIVING DONE RIGHT. A true multigenerational living opportunity. This spacious Willem model in Longleaf Ridge V at On Top of the World features 3 bedrooms, with two separate primary suites each with private ensuite baths, perfect for an in-law, parent, adult child, long-term guest, or anyone who wants privacy and comfort under one roof. Luxury vinyl plank flooring runs throughout the home, creating a clean, cohesive look with easy maintenance. The open gourmet kitchen and living area are ideal for everyday living and entertaining, offering an oversized island with generous seating, a large pantry, gas cooktop, gas wall oven and microwave, stainless steel appliances, upgraded and abundant soft-close cabinetry. A FULL DINING ROOM is just off the kitchen. The adjoining living room is anchored by a CUSTOM FLOATING FIREPLACE and stylish ceiling fan, adding a modern focal point. The main primary suite includes a spacious walk-in closet, both ensuite baths feature a tiled walk-in shower with built-in bench, handheld shower, and grab bar for added safety and comfort. A versatile FLEX ROOM provides excellent space for a home office, hobby room, den, or additional sitting area. The Laundry Room includes a large-capacity washer and gas dryer. The screened lanai extends the living space outdoors and includes roll-down shades for privacy and sun control. The backyard features upgraded landscaping for enhanced view and privacy. These original owners purchased in early 2024, making this home gently used just over 2 years. The home has received numerous thoughtful improvements, including SMART-HOME FEATURES, custom color-matched gutters, privacy film on select windows, upgraded lighting, lanai shades, window blinds throughout, and a local-channel outdoor TV antenna. A recent POST-CONSTRUCTION INSPECTION was completed by a certified home inspector. The paver driveway leads to an oversized garage with an ADDITIONAL 4 FEET OF DEPTH, professionally installed overhead metal storage, and ample room for vehicles, a golf cart, tools, and hobbies. If you’re seeking a newer home with generous square footage, smart upgrades, flexible living areas, outstanding storage, and a true TWO SUITE FLOOR PLAN, this Willem model delivers. One home, multiple living possibilities, and room for everyone to live comfortably. On Top of the World offers gated 55+ living with golf, multiple clubhouses, indoor and outdoor pools, fitness centers, pickleball, tennis, walking trails, restaurants, entertainment, clubs, and hundreds of resident activities. The HOA includes community pools, structured maintenance, landscaping, curbside trash and recycling, High Speed Internet and house painting every 7 years. HOA includes insurance coverage on the outside of structure; homeowner is only required to cover HO6 coverage.

The essentials

Built
2023
Price / sqft
$185
On market
45 days
Annual tax
$5,052
HOA
$493.63/mo
Flood zone
X · Low risk
Lot
9,583 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Fitness center too
2 car garage
Driveway
9,583 sqft lot
Lot size
2,703 sqft
Living area

Payment

Est. monthly payment
$3,772/mo
Down payment (20%)
$99,980
Property taxes
$421/mo
HOA
$493.63/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
9,583 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Golf Cart Parking, Oversized
Days on Market
45
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Smart Home
Solid Surface Counters
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Rain Gutters
Association Recreation - Owned
Buyer Approval Required
Clubhouse
Community Mailbox
Deed Restrictions
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Golf
Park
Playground
Pool
Restaurant
Special Community Restrictions
Tennis Court(s)
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Gas Water Heater
Range Hood
Refrigerator
Washer
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,052
Parcel #
3530-065-138

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 Central Longleaf Ridge Phase V
County
Marion
MLS Area
34481 - Ocala
Lot Size
9,583 sqft
ClearedLandscapedPavedPrivate
HOA
$493.63/mo
On Top of the World / Lori Sands

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #OM731055
$499,900-4.8%
$185/sqft
-
Price change
Source: Stellar MLS #OM731055
$525,000-4.5%
$194/sqft
8/25/2026
Listed for sale
Source: Stellar MLS #OM731055
$549,900
$203/sqft

Neighborhood

10586 SW 98th Pl
Ocala, FL, 34481 · 34481 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $499,900
$490,000 – $499,900
97.9% – 100% of listTops out right at the list price
80% of listList price
256 of the last 510 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 45 after a $50,000 cut.

Sample: 510 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
$3,772/mo
Principal & interest$2,607
Property taxes$421
Insurance$250
HOA$494
Down payment20% · $99,980
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

$499,900

$185 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,703 sq ft

Time on market

45 days

Year built

2023

Monthly payment

About $3,772/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,052 annual tax bill, insurance, and the $493.63/mo HOA fee.

HOA fee

$493.63/mo

Managed by On Top of the World / 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 byRE/MAX PREMIER REALTYListing agent: Mary JohnsonListing data from Stellar MLS, MLS# OM731055.

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