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About this home
10985 SW 76th Ave is a 1989-built home in Palm Cay Un 02, Ocala. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,086 square feet of living space. Listed at $189,000 (about $174/sqft), 7 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.
Welcome home to this charming and well-maintained 2-bedroom, 2-bath residence This house has been updated from the ground up, from the kitchen, bathroom, bedroom, Windows, with a brand-new roof install on 09/22/2026 in the gated 55+ community of Palm Cay. This inviting home features a 2-car garage, indoor laundry, and 2 screened rear lanai—perfect for relaxing. The layout is efficient and functional, ideal for full-time living or a seasonal retreat. enjoy a variety of amenities including a community pool, shuffleboard courts, tennis courts, and clubhouse, active neighborhood atmosphere. Conveniently located close to shopping, dining, medical facilities, and just a short drive to the renowned World Equestrian Center. Whether you’re looking to downsize or embrace a low-maintenance lifestyle, this property checks all the boxes.
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The essentials
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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
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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
$189,000
$174 per sq ft
Beds and baths
2 beds, 2 baths
Size
1,086 sq ft
Time on market
7 days
Year built
1989
Monthly payment
About $1,345/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,679 annual tax bill, insurance, and the $125/mo HOA fee.
HOA fee
$125/mo
Managed by Jim Day Heritage Management.
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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