8643 SW 86TH CIRCLE, Ocala, FL, 34481 | $299,999

Highly desired 3-bedroom, 2-bathroom Ayershire model in neighborhood of Candler Hills in On Top of the World. NEW ROOF 2023. Split floor plan house has many generous closets plus lots of upgrades: gutters, ceiling fans and crown molding throughout the main living area, electric remote-controlled fireplace, maple cabinets in the kitchen, pull out cabinet shelves and drawers and large pantry closet, Silestone countertops, stone backsplash, stainless steel appliances, Samsung microwave, KitchenAid dishwasher and a gas stove, a built in kitchen desk, breakfast bar and separate breakfast nook complete the kitchen, plus solid wood cabinetry in the bathrooms. Wood valances have been added in the living room, dining room and kitchen. Specialty plantation shutters have been added on the front door and bedrooms. The newly re-screened lanai is perfect for relaxing and entertaining friends year-round. Enjoy outdoor living, gas line is installed for a gas BBQ for grilling and entertaining on the spectacular back patio with a screened enclosure and new Chattahoochee River Rock floor and exterior trellis. Professional landscaping, mature trees and bushes and landscape stone add to the curb appeal, water conservation and low maintenance of this home. The large primary suite with ensuite bathroom featuring solid wood cabinetry and a double-sink vanity, large tiled walk-in shower and 2 walk-in closets. 2 additional bedrooms with generous closets, upgraded shutters and ceiling fans. The second bathroom has solid wood cabinets and a tub. The 2-car garage with a new screen garage door, provides ample space for your vehicles, toys and hobbies, storage cabinets and a workbench. The driveway and sidewalk are finished with pavers. Energy-efficient double-pane windows and underground utilities with natural gas, water, and electric service. Cross Fire Optical Smoke alarm with fire, heat, carbon monoxide, and smoke alarms have monitored protection for peace of mind and safety. Thoughtfully designed for both relaxation and functionality, this home has been lovingly maintained and is move-in ready. Located in the active 55+ community of On Top of the World community, you’ll enjoy world-class amenities, golf courses, recreation centers, fitness facilities, and a vibrant social calendar — all just minutes from shopping, dining, and medical services. this property combines comfort, convenience, and resort-style living. Private mailbox and curbside trash pick up included in Candler Hills.

Features

  • Amenities: Clubhouse, Fence Restrictions, Fitness Center, Golf Course, Park, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Laundry Room
  • Style: Florida
  • Year Built: 2007
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Natural Gas
  • Cooling: Central Air
  • Approx Sq. Feet: 1,705
  • Acreage: 0.21
  • Est. Taxes: $2,942
  • HOA Fee: $336 Monthly
  • Lot Desc: Landscaped, Level, Near Golf Course
  • Adult Communities: Yes
  • Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Number Limit
  • Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
  • MLS#: OM714051
  • Days on Market: 96 days
  • Website: https://www.raveis.com
    /prop/OM714051/8643sw86thcircle_ocala_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/22/2026 5:32:09 PM)
Listing courtesy of NEXT GENERATION REALTY OF MARION COUNTY   Phone: 352-342-9730

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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8643 SW 86TH CIRCLE, Ocala, FL, 34481

$299,999

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $239,999 $239,999 $239,999
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $245 $245 $245
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,478 $1,515 $1,993
Total Monthly Payment $1,798 $1,835 $2,313

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.