10953 SW 78th CT, photo 1
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Overview

2 bd2 ba1,208 sqft1 car garageSingle Family
TypeSingle Family
HOA$124/mo
Built1989
Lot10,019 sqft
Living area1,208 sqft
Price / sqft$139
Garage1 car

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About this home

Ceiling Fans(s)Eat-in KitchenPrimary Bedroom Main FloorSplit BedroomThermostatWalk-in Closet(s)Rain GuttersClubhouse

10953 SW 78th CT is a 1989-built home in Palm Cay, Ocala. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,208 square feet of living space. Listed at $168,500 (about $139/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $124 monthly.

From the listing

Charming two-bedroom single family split bedroom floorplan home. Large master suite features spacious walk-in closet. Spacious, open living area leads to enclosed rear porch. Kitchen features eating area with lovely view of back yard. Cozy guest bedroom tucked into the front corner of the home giving extra privacy. Room sizes are an estimate based on public records, more accurate measurements to come.

The essentials

Built
1989
Price / sqft
$139
On market
8 days
Annual tax
$2,730
HOA
$124/mo
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
1 car garage
Driveway
10,019 sqft lot
Lot size
1,208 sqft
Living area

Payment

Est. monthly payment
$1,315/mo
Down payment (20%)
$33,700
Property taxes
$228/mo
HOA
$124/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
10,019 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
8
Ceiling Fans(s)
Eat-in Kitchen
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Walk-in Closet(s)
Rain Gutters
Clubhouse
Gated Community - Guard
Dryer
Range
Refrigerator
Washer
Flood Zone X
Annual Tax (2025)
$2,730
Parcel #
35774-005-11

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
Palm Cay
County
Marion
MLS Area
34476 - Ocala
Lot Size
10,019 sqft
Cleared
HOA
$124/mo
Palm Cay

Price history

Date
Event
Price
10/1/2026
Listed for sale
Source: Stellar MLS #OM733326
$168,500
$139/sqft

Neighborhood

10953 SW 78th CT
Ocala, FL, 34476 · 34476 - Ocala

Market insights

Offer Insights

Choose an offer strength

List price: $168,500
$168,500
99.3% – 100% of listTops out right at the list price
80% of listList price
234 of the last 467 home closings in 34476 landed at this number or higher (50%). The median one sat 43 days before it went under contract, and this one is on day 8.

Sample: 467 closed home sales in 34476 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,315/mo
Principal & interest$879
Property taxes$228
Insurance$84
HOA$124
Down payment20% · $33,700
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

$168,500

$139 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,208 sq ft

Time on market

8 days

Year built

1989

Monthly payment

About $1,315/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,730 annual tax bill, insurance, and the $124/mo HOA fee.

HOA fee

$124/mo

Managed by Palm Cay.

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 FOXFIRE - HWY200/103 SListing agent: Kristopher CerneraListing data from Stellar MLS, MLS# OM733326.

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