10966 SW 85 TERRACE, OCALA, FL, 34481
Active37 days on marketListed Jun 29, 2026MLS #OM727530
About this home
10966 SW 85 TERRACE
Welcome to this beautifully updated 3-bedroom, 2-bath home in the highly desirable Oak Run community of Ocala, where comfort, style, and outdoor living come together. From the moment you arrive, you'll appreciate the home's outstanding curb appeal, mature landscaping, colorful flower beds, and inviting front porch that creates the perfect place to relax with your morning coffee. Inside, you'll find a thoughtfully updated interior featuring luxury vinyl plank flooring in the kitchen and guest bathroom, durable laminate flooring throughout the main living areas and bedrooms, and a decorative brick fireplace that adds warmth and character as a charming architectural focal point. The fireplace and chimney are no longer functional and are being conveyed as decorative features only. The windows have a transferable warranty. The kitchen is designed for both everyday living and entertaining with granite countertops, brand-new stainless steel appliances, and plenty of workspace. The spacious primary suite offers a walk-in closet and an updated en-suite bath complete with a modern vanity, updated lighting, and a walk-in shower featuring a convenient fold-down shower seat. The guest bathroom has also been refreshed with an updated vanity and luxury vinyl plank flooring, while both guest bedrooms include built-in closets for added storage. Step outside to your own private backyard retreat featuring a paver patio with a charming pergola, creating the perfect setting for outdoor dining, entertaining, or simply enjoying the peaceful surroundings. The fenced backyard offers privacy while the mature landscaping, colorful flowers, and tranquil setting create an ideal space to unwind. Additional highlights include: Roof replaced in 2016 HVAC system replaced in 2016 New electric water heater (approximately 2 years old) Brand-new stainless steel kitchen appliances 2-car garage with a retractable garage screen, allowing the garage to become a comfortable entertainment or hobby space Electric central heating and air conditioning Washer and dryer are negotiable Located in the sought-after Oak Run community, residents enjoy exceptional amenities and an active lifestyle, making this move-in-ready home an outstanding opportunity to enjoy one of Ocala's premier 55+ communities. Don't miss your chance to make this peaceful retreat your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,564
Sqft
0.16 ac
Lot size
2
Garage
1987
Year built
One
Levels
$147
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.
$1,919 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,919/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−0.3%
$/sqft vs OAK RUN
$147 vs $144
Days on market
37 vs 49 typical
Where $147/sqft sits among the 11 homes for sale in OAK RUN
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)
5 of 11
OAK RUN have cut their price
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 10966 SW 85 TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$349,000
2402 FRANKLIN DRIVE · same community
3 bd · 2 ba · 1,554 sqft · $225/sqft · 138 DOM
Sold · Nov ’25$300,000
11598 SW 74TH COURT · same community
3 bd · 2 ba · 1,593 sqft · $188/sqft · 95 DOM
Sold · Jan ’26$192,000
8238 SW 108TH STREET ROAD · same community
3 bd · 2 ba · 1,637 sqft · $117/sqft · 26 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 10966 SW 85 TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10966 SW 85 TERRACE — 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
10966 SW 85 TERRACE FAQs
What would the monthly payment be for 10966 SW 85 TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,919/mo — principal and interest, the actual property-tax bill, the $151/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 10966 SW 85 TERRACE?+
The association fee works out to $151 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10966 SW 85 TERRACE?+
The most recent tax bill on record (2025) was $1,824. 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 10966 SW 85 TERRACE?+
The listing reports pets: Cats OK, Dogs OK. 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 $230,000, this home is listed about 23% below the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10966 SW 85 TERRACE?+
Dunnellon High School (high), Dunnellon Elementary School (elementary), Dunnellon Middle School (middle) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Garrett Huffman. MLS #OM727530.
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.
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