10605 SW 98TH LANE, Ocala, FL, 34481 | $374,999

Move right in without adding a thing and experience the pinnacle of active-adult luxury in this stunning Ariana model with many upgrades, perfectly situated in the highly sought-after Longleaf Ridge neighborhood of On Top of the World. This completely customized 2-bedroom, 2-bath residence plus a versatile flex room has been thoughtfully designed with premium finishes and "smart" comforts. From the moment you arrive, the paver driveway, custom premium landscaping with stone curbing, color rocks, and professional outdoor lighting set a sophisticated tone that continues throughout the home. Step inside to an airy, open floor plan where luxury vinyl plank flooring stretches across the main living areas, accented by fresh interior paint and custom entryway molding. The living room features a tray ceiling with crown molding and a ceiling fan, creating a striking centerpiece for the home. The heart of the home is a chef's dream kitchen, featuring a large quartz center island with elegant pendant lighting, a 5-burner range, and staggered cabinetry with soft-close drawers. Thoughtful extras like under-cabinet lighting, a decorative tile backsplash, and a walk-in pantry with built-in wood shelving make this space as functional as it is beautiful. Just off the entryway, the flex room with classic French doors offers a private retreat perfect for a library, craft studio, or a quiet den for morning coffee. The primary suite is a true sanctuary, boasting a ceiling fan, custom-organized walk-in closet, and a spa-like ensuite. You'll love the luxury of the zero-entry tiled Roman shower with a built-in bench, double quartz vanity, and a heated towel rack. The guest wing is equally impressive, offering a comfortable bedroom with pull-down shades and easy access to the second bath. Both bathrooms feature exquisite custom French tile, elevating the home's aesthetic, while they further impress with updated mirrors, modern lighting, and quartz vanities. The laundry suite is equally impressive, featuring upper cabinets and a utility sink. Florida living shines on the extended covered lanai, equipped with dual fans and custom vertical blinds on the sliding glass door for effortless light control and privacy. The exterior has been thoughtfully upgraded with gutters, extra outlets, and a paver walkway. The home is also packed with high-value internal upgrades for peace of mind, including a whole-home water softener and purifier, all window tinting for energy efficiency, a Ring doorbell, and motion-sensor entry. Even the garage is optimized with shelving for maximum organization. Located in Ocala's premier 55+ community, you aren't just buying a home; you're gaining access to world-class golf, fitness centers, tennis, pickleball, and over 175 social clubs. Why wait for the construction process when you can start enjoying this impeccably maintained, highly upgraded home right now?

Features

  • Amenities: Basketball Court, Clubhouse, Fence Restrictions, Fitness Center, Gated, Park, Pickleball Court(s), Pool, Recreation Facilities, Storage, Tennis Court(s)
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 75 x 130
  • Laundry: Inside, Laundry Room
  • Year Built: 2023
  • Garage: 2-car Driveway, Golf Cart Parking
  • Heating: Natural Gas
  • Cooling: Central Air
  • Approx Sq. Feet: 1,983
  • Acreage: 0.22
  • Lot Size: 75 x 130
  • Est. Taxes: $3,456
  • HOA Fee: $494 Monthly
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator, Water Purifier, Water Softener
  • MLS#: OM716467
  • Days on Market: 127 days
  • Website: https://www.raveis.com
    /prop/OM716467/10605sw98thlane_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 7:32:17 AM)
Listing courtesy of ON TOP OF THE WORLD REAL EST   Phone: 866-228-5878

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

10605 SW 98TH LANE, Ocala, FL, 34481

$374,999

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 $299,999 $299,999 $299,999
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $288 $288 $288
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,847 $1,921 $2,511
Total Monthly Payment $2,210 $2,284 $2,874

* 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.