6443 SW 97TH TERRACE ROAD, OCALA, FL, 34481
Active175 days on marketListed Feb 10, 2026MLS #OM718248
About this home
6443 SW 97TH TERRACE ROAD
Stunning Pinnacle model overlooking the golf course and lake in Del Webb Stone Creek Development. NEW ROOF 3 bedrooms, 3 baths, with bonus room for an office, 4 foot extended garage, inside laundry room with utility sink, comfort height granite countertops in all bathrooms and kitchen, roman style walk-in shower and double sinks in master bath, pavers on driveway- front walkway and front porch- and rear lanai, kitchen under cabinet lighting, upgraded kitchen appliances, 3-door refrigerator-freezer, built-in microwave & oven, cook top with chrome exhaust hood, ceiling fans, leaf filter gutters, redesigned front walk, Ceiling is 9' 3", all 3 bedrooms have walk-in closets with master bedroom closet being 118 sq. ft., custom landscaping, stone accents on house front, garden hose w/reels front & back, open floor plan, all new smoke detectors, championship golf course, resort style pools (indoor & outdoor), professional gym with classes, dozens of clubs, live entertainment. Lanai swing does not stay.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,529
Sqft
0.19 ac
Lot size
3
Garage
2017
Year built
One
Levels
$261
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,668 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,668/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+23.5%
$/sqft vs Ocala actives
$261 vs $187
Days on market
175 vs 48 typical
Where $261/sqft sits among the 400 Ocala actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Ocala
Get to know Ocala. See the full Ocala guide →
OCALA 34481 — neighborhood snapshot
Population
25,668
Median age
68.5
Median income
$54,639
Median home value
$213,000
Avg household
1.9
Households w/ children
978
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala market
$285K → $285K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
163 of 400
Ocala actives have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 182% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
Reality check
What actually sold near 6443 SW 97TH TERRACE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$430,000
9862 SW 76TH PLACE ROAD
3 bd · 3 ba · 2,529 sqft · $170/sqft · 176 DOM
Sold · Jul ’26$549,000
8123 SW 95TH COURT
3 bd · 3 ba · 2,490 sqft · $220/sqft · 172 DOM
Sold · Dec ’25$461,500
9781 SW 79TH LANE ROAD
2 bd · 2.5 ba · 2,616 sqft · $176/sqft · 103 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6443 SW 97TH TERRACE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6443 SW 97TH TERRACE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
6443 SW 97TH TERRACE ROAD FAQs
What would the monthly payment be for 6443 SW 97TH TERRACE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,668/mo — principal and interest, the actual property-tax bill, the $265/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 6443 SW 97TH TERRACE ROAD?+
The association fee works out to $265 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6443 SW 97TH TERRACE ROAD?+
The most recent tax bill on record (2025) was $5,278. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 6443 SW 97TH TERRACE ROAD?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Ocala?+
At $659,000, this home is listed about 120% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6443 SW 97TH TERRACE ROAD?+
Liberty Middle School (middle), West Port High School (high), Marion Oaks Elementary School (elementary) — Marion County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$659,000 runs 182% above the OCALA 34481 median — but at 2,529 sqft it's also 47% larger than the typical Ocala listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
175 days on market against a Ocala median of 48 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $689,000, now $659,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SELLSTATE NEXT GENERATION REALTY · Sebert Reese, II. MLS #OM718248.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Ocala homes, in your inbox
Like 6443 SW 97TH TERRACE ROAD but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →