Overview
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About this home
10838 SW 78th CT is a 1988-built home in Palm Cay Un 02 & Replat/Tract, Ocala. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,102 square feet of living space. Listed at $165,000 (about $150/sqft), 30 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $123.77 monthly.
Major updates include a new roof (2026), A/C (2025), and electrical service (2022). This 2-bedroom, 2-bath home offers 1,102 sq ft plus a 20' x 24' garage, all with a comfortable, functional layout for easy living. Enjoy a bright 14' x 17' Florida room addition and a 9' x 16' lanai for outdoor relaxation. Located in Palm Cay, a gated 55+ community in Southwest Ocala, residents enjoy 24-hour guarded gate, golf cart-friendly streets, and an active lifestyle. Amenities include a clubhouse, pool, tennis court, and a variety of social activities. The monthly fee covers trash service, guarded gate and community access. Optional RV/boat storage may be available for a reasonable fee. Convenient to I-75, the World Equestrian Center, shopping, dining, and medical facilities, with easy access to Gainesville and Orlando. *One or more photos have been digitally enhanced/Virtually Staged for staging purposes.
The essentials
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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
$165,000
$150 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,102 sq ft
Time on market
39 days
Year built
1988
Monthly payment
About $1,142/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $900 annual tax bill, insurance, and the $123.77/mo HOA fee.
HOA fee
$123.77/mo
Managed by Robert LaPolt.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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