11089 SW 78TH COURT, Ocala, FL, 34476 | $225,000

Welcome home to your new split bedroom design 3 bedroom, 2 bath, 2 car garage home in the sought after 55+ gated community of Palm Cay. 1, 646 sq ft of living under heat and air makes this one of the largest homes in the community. This home features solid floors throughout, NO CARPET, with tile in the wet areas. Recently upgraded kitchen with loads of white cabinets, lots of quartz countertop space and newer stainless steel appliance suite to include side by side fridge/freezer with water/ice in door, easy to clean glass top stove/oven, dishwasher, and built-in above stove microwave. The primary suite features a en-suite bath with step-in tiled shower and dual sinks, cultured marble counters. The primary suite features a walk-in closet. Bedroom two has a walk-in closet and bedroom three has a regular wall closet. The guest bath features a tub/shower combo and cultured marble countertop, newer cabinetry to match the kitchen as well. Home has it all, a living room, a family room and a dining room, with sliders from the dining and family rooms leading to the Florida room. Home sits high and dry on a . 23 of an acre lot, with a fenced in the backyard great for your furry friends, a 200 sq ft enclosed Florida room with ceiling fan and vinyl windows and screens as well as a 200 sq ft grilling patio. Additional features include Gutters and Downspouts, Screened Garage Door, Sprinkler System, INSIDE LAUNDRY with washer/dryer, Large Stainless Utility Sink, extra storage cabinets and extra fridge/freezer that conveys with home. This community offers a 24 hours guarded gate, clubhouse including a pool, gym and lots of activities, as well as being close to shopping, medical, dining, banking and more. Roof is 2015, A/C 2018 and Water heater is 2021. Palm Cay offers an excellent value for retiring in comfort without a lot of added expense from maintaining golf courses in the community.

Features

  • Amenities: Cable TV, Clubhouse, Fitness Center, Gated, Pool, Tennis Court(s)
  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 83 x 120
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 1990
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,646
  • Acreage: 0.23
  • Lot Size: 83 x 120
  • Est. Taxes: $3,053
  • HOA Fee: $124 Monthly
  • Lot Desc: Irregular Lot
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: OM726751
  • Days on Market: 11 days
  • Website: https://www.raveis.com
    /prop/OM726751/11089sw78thcourt_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 4:04:14 PM)
Listing courtesy of RE/MAX PREMIER REALTY HWY 200   Phone: 352-433-4449

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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:

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11089 SW 78TH COURT, Ocala, FL, 34476

$225,000

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 $180,000 $180,000 $180,000
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 $254 $254 $254
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,094 $1,137 $1,495
Total Monthly Payment $1,423 $1,466 $1,824

* 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.