10589 SW 98TH LANE, Ocala, FL, 34481 | $399,000

Seller will pay buyer's first 6 months of HOA fees with an acceptable offer!
Skip the base-model new construction — this 2023-built Long Leaf home at On Top of the World already includes over $25, 000 in premium upgrades, beautifully done and priced below the cost to build it yourself.
Quality shows from the entry: soaring tray ceilings, recessed lighting, crown molding, and finished rounded corners throughout. Gray luxury vinyl plank flooring runs through the entire home, complemented by an upgraded lighting package — pendant lights over the island, designer fixtures in the living and dining areas, and ceiling fans in every room.
The kitchen is a showpiece, featuring a full KitchenAid appliance suite, a large center island with seating, Cambria quartz countertops, soft-gray shaker cabinets, a quartz backsplash, and a gooseneck faucet — plus a separate formal dining area, ideal for hosting.
The great room opens to a screened lanai with a tongue-and-groove ceiling and two fans, creating true outdoor living space. The primary suite offers a walk-in closet and spa-style ensuite with a floor-to-ceiling frameless glass shower, dual-sink quartz vanity, and grab bars. A second bedroom and a versatile flex room (office, den, or hobby space) round out the floor plan.
Oversized 2-car garage with polymer-coated flooring, extra-wide paver driveway, and covered front porch for added curb appeal.
Long Leaf at On Top of the World offers resort-style 55+ living: two championship golf courses, multiple pools (including indoor), fitness center, tennis, pickleball, bocce, shuffleboard, trails, a dog park, and an active social calendar.
Move-in ready — furnishings and a premium golf cart available separately. Schedule your showing today!

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 2023
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,703
  • Acreage: 0.22
  • Est. Taxes: $4,842
  • HOA Fee: $534 Monthly
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Range, Refrigerator
  • MLS#: OM725970
  • Days on Market: 25 days
  • Website: https://www.raveis.com
    /prop/OM725970/10589sw98thlane_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 7/1/2026 12:34:46 PM)
Listing courtesy of AXEN REALTY, LLC   Phone: 480-399-1218

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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
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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

10589 SW 98TH LANE, Ocala, FL, 34481

$399,000

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 $319,200 $319,200 $319,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.424% 6.640% 5.972%
Monthly Tax Payment $404 $404 $404
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,939 $2,015 $2,651
Total Monthly Payment $2,418 $2,494 $3,130

* 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.