8649 SW 94TH CIRCLE, OCALA, FL, 34481
Active2 days on marketListed Jul 21, 2026MLS #OM728546
About this home
8649 SW 94TH CIRCLE
Beautifully updated 2016 Argyll model (predecessor to the Arlington) located in the desirable Stonebridge neighborhood of Candler Hills at On Top of the World. This open-concept home offers 3 bedrooms, 3 bathrooms, and an oversized 3-car garage with epoxy flake flooring, overhead storage, and plenty of room for a workshop or golf cart. The gourmet kitchen is the centerpiece of the home, featuring quartz countertops, an undermount stainless steel sink, touch-activated matte black faucet, stainless steel appliances, a large center island, staggered wood cabinetry with crown molding, updated matte black hardware, and a striking porcelain tile backsplash extending above the cabinets. The adjacent drop zone offers additional cabinetry and storage, perfect for a butler's pantry or coffee bar. Recent updates throughout the home include fresh interior paint, porcelain tile flooring in all bedrooms, new lighting, ceiling fans, LED lighting, and custom honeycomb shades. Tray ceilings and crown molding enhance the main living areas. The spacious owner's suite features a large walk-in closet and an updated en suite bath with quartz countertops, dual undermount sinks, matte black fixtures, and a walk-in shower. Additional upper cabinetry in the laundry room and owner's entry provides exceptional storage. Enjoy year-round Florida living in the newly enclosed Florida room with impact windows, overlooking the private fenced backyard with a new 14' x 26' paver patio, mature landscaping, decorative curbing, and refreshed planting beds. Additional improvements include a water softener, gutters, retractable front screen door, new smoke and carbon monoxide detectors, updated toilets, and a dedicated garage refrigerator outlet.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,264
Sqft
0.25 ac
Lot size
3
Garage
2016
Year built
One
Levels
$219
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.
$4,101 /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
$4,101/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
+1.5%
Days on market
2 vs 43 typical
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 On Top Of The World
Get to know Ocala. See the full Ocala guide →
On Top Of The World — neighborhood snapshot
Population
9,305
Median age
73
Median income
$51,446
Median home value
$222,633
Avg household
2
Households w/ children
77%
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 → $280K
Ocala median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
Median sold price, Ocala, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 111% above the OCALA 34481 median. See the full Ocala market guide →
Paper trail
This home's history
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 8649 SW 94TH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8649 SW 94TH CIRCLE — 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
8649 SW 94TH CIRCLE FAQs
What would the monthly payment be for 8649 SW 94TH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,101/mo — principal and interest, the actual property-tax bill, the $366/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 8649 SW 94TH CIRCLE?+
The association fee works out to $366 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 8649 SW 94TH CIRCLE?+
The most recent tax bill on record (2025) was $5,305. 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 8649 SW 94TH CIRCLE?+
The listing reports pets: Yes. 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 $495,000, this home is listed about 66% above the Ocala median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 8649 SW 94TH CIRCLE?+
Liberty Middle School (middle), Hammett Bowen Junior Elementary School (elementary), West Port High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of ON TOP OF THE WORLD REAL EST · Kelly Smith. MLS #OM728546.
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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