Dan Schriver
$399,900$410,0002 bd2 ba1,955 sqft$205 /sqft$3,268 /mo all-in ↓

7771 SW 97TH CIRCLE, OCALA, FL, 34481

Active162 days on marketListed Feb 11, 2026MLS #OM718598

Reduced $10KSingle Family ResidenceSTONE CREEK

About this home

7771 SW 97TH CIRCLE

Enjoy effortless living in this beautiful two-bedroom, two-bath Martin Ray model with a versatile flex room and extended garage, located in the gated 55+ Stone Creek Golf Course Community known for its exceptional resort-style amenities. This home offers wonderful curb appeal, complete with mature landscaping, custom coach lighting, and a custom-designed Perry’s glass-inlay front door with a lifetime warranty, setting the tone for the thoughtful details found within. The versatile floor plan blends comfort and designer elements, including updated luxury vinyl plank flooring, recessed LED downlighting, 8-foot interior doors, and crown molding that adds a touch of refinement. The flex room, framed by French doors, offers desirable extra space ideal for a home office, library, or hobby space. The spacious gathering room features a triple pocket slider that opens seamlessly to the covered lanai and extended screened-in Florida room, creating an inviting indoor-outdoor living experience. Just beyond, a paver-lined sitting area with a sun-shaded pergola offers a peaceful spot for outdoor gatherings. The well-appointed kitchen offers sleek quartz countertops, stainless steel appliances, an oversized island with specialty pendant lighting and bar rail, a striking tile backsplash, and upgraded cabinetry with crown molding, under-cabinet lighting, and pull-outs in the lower cabinets. A large pantry with upgraded shelving and a butler’s pantry with a built-in desk adds even more convenience and storage space. The Owner’s suite features a custom outfitted walk-in closet and an en suite bath offering a quartz-topped double vanity, a large Roman-style walk-in shower with a seating bench and decorative glass tile inlay, and a transom window that fills the space with natural light. Additional thoughtful upgrades throughout include designer window treatments that add a tailored finish to each room, solar tube lighting, a mud-room with built-ins providing convenient organization as you come and go, and upgraded tile in the secondary bath. Practical enhancements continue with a whole-home water softener, a four-foot garage extension for a golf cart or workspace, and overhead garage storage racks for added storage. The sliding garage privacy screen door allows fresh air to circulate while maintaining comfort, and all windows in the home, except the sliders, have been professionally tinted to help protect furnishings and maintain a pleasant indoor temperature. Experience resort-style living at its finest and discover a community designed for comfort, connection, and carefree days, complete with a 24/7 staffed gated entrance that provides both security and peace of mind. Residents enjoy luxury-inspired amenities, including heated pools, a state-of-the-art fitness center, a spa, and soothing hot tubs and saunas that make relaxation part of everyday living. For those who love to stay active, the community features pickleball, bocce, tennis, and even a softball field, while a dedicated lifestyle team plans entertainment, activities, and special events that make it easy to connect with neighbors. Just beyond the gates, you’ll find a beautifully maintained golf course, pro shop, and on-site restaurant, perfect for socializing, unwinding, and enjoying the Florida lifestyle.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,955

Sqft

0.15 ac

Lot size

2

Garage

2017

Year built

One

Levels

$205

Per sqft

Negotiable55+ communityPets allowed

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Concrete · Stucco
FoundationSlab
FacesEast
ExteriorIrrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

HOA fee$265/mo
Taxes (2025)$3,743/yr
PetsYes
CommunityDock · Fishing · Lake · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Park · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPrivate

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.

$3,268 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$312
HOA fee — from the listing$265
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,997Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,997
Interest rate6.00%
Loan term

Estimated payment

$3,268/mo

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$312
HOA / condo fee$265
Est. insurance$160

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.

List $400K
$371KedgeAI estimate $414,213 · range $386K$449K$467K

vs edgeAI estimate

−3.5%

Days on market

162 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 Ocala

Map of 7771 SW 97TH CIRCLE

Get to know Ocala. See the full Ocala guide →

OCALA 34481 — neighborhood snapshot

Population

25,668

Median age

68.5

Median income

$54,639

Median home value

$213,000

Avg household

1.9

Households w/ children

978

For the school run

Marion County School District

MiddleLiberty Middle School★★★★★
HighWest Port High School★★★★★
ElementaryMarion Oaks Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Ocala market

Seller’s marketBalanced6.3 months of inventoryBuyer’s 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 70% above the OCALA 34481 median. See the full Ocala market guide →

Paper trail

This home's history

CurrentPrice reduced to $399,900 $10K
Feb 11, 2026Listed at $410,000 · 162 days on market since
2017Built · STONE CREEK

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.

Dan Schriver

Your agent

Dan Schriver

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 7771 SW 97TH CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 7771 SW 97TH CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Dan's phone and CRM.

Goes straight to Dan’s phone and CRM.

Straight answers

7771 SW 97TH CIRCLE FAQs

What would the monthly payment be for 7771 SW 97TH CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,268/mo — principal and interest, the actual property-tax bill, the $265/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 7771 SW 97TH CIRCLE?+

The association fee works out to $265 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 7771 SW 97TH CIRCLE?+

The most recent tax bill on record (2025) was $3,743. 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 7771 SW 97TH 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 $399,900, this home is listed about 34% above the Ocala median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 7771 SW 97TH CIRCLE?+

Liberty Middle School (middle), West Port High School (high), Marion Oaks Elementary School (elementary) — Marion County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$399,900 runs 70% above the OCALA 34481 median.

02Time on market is leverage

162 days on market against a Ocala median of 43 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $410,000, now $399,900 — a $10K cut. The full history is in the market section below.

Listing courtesy of REAL BROKER LLC - OCALA · Anthony Alfarone. MLS #OM718598.

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.

Never miss a listing

New Ocala homes, in your inbox

Like 7771 SW 97TH CIRCLE but not quite? A daily digest of every new listing in Ocala — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Dan to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 23, 2026 at 4:47 PM UTC. The listing information on this page last changed on July 23, 2026 at 4:47 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 23, 2026 at 4:47 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 23, 2026 at 4:47 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.