
7771 SW 97TH CIRCLE, OCALA, FL, 34481
Active162 days on marketListed Feb 11, 2026MLS #OM718598
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,268/mo
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.
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Ocala 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
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.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7771 SW 97TH CIRCLE — start here.

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.
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.
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