10647 85th Terrace, FL

$155,000

10647 85th Terrace

Ocala, FL 34481

Pending
2
Beds
2
Baths
960
Sq Ft
0.29
Acres
1987
Built
55+ community$161/sqft360° tour
Single Family Residence

Property type

1987

Year built

12,632 sqft

Lot size

$161

Price / sq ft

$120/mo

HOA dues

87

Days on market

1

Garage space

X

Flood zone

About this home

.Corner lot, fenced tropical backyard, air-conditioned lanai, and easy access near the gate — this Palm Cay home has it all. Located in a welcoming 55+ gated community in southwest Ocala, this nicely updated 2-bedroom, 2-bath home with a 1-car garage offers easy one-level living, low-maintenance gray laminate flooring, an updated electrical panel, A/C replaced in 2017, and a spacious 9x12 laundry room for extra storage and everyday convenience. The air-conditioned lanai adds flexible bonus space for relaxing, hobbies, reading, entertaining, or enjoying morning coffee year-round. The home may also be available fully furnished if desired, making it an easy move-in option for seasonal residents, downsizers, or buyers looking for a simple Florida lifestyle. Outside, the large fenced backyard gives you room for pets, gardening, or private outdoor enjoyment. Mature palms, banana trees, and unique tropical plantings give the property character and a warm Florida feel that plant lovers will appreciate. The large corner lot and location near the gate house make coming and going especially convenient. Palm Cay offers the lifestyle buyers want in a 55+ Ocala community, with amenities such as a clubhouse, fitness center, outdoor pool, library, billiards, card room, arts and crafts studio, walking and biking trails, tennis, bocce, shuffleboard, horseshoes, and RV/boat parking listed among community amenities. The HOA/community fee is reported to include common area maintenance, gated entry, clubhouse and pool access, trash pickup, and lawn debris pickup. The location is also a major plus — close to shopping, restaurants, medical services, and everyday conveniences along the SW Highway 200 corridor, including the new Sprouts Farmers Market, Chipotle and much more. If you’re looking for a comfortable, low-maintenance home in a secure 55+ community with a fenced yard, tropical landscaping, and a true Florida lifestyle, this Palm Cay home is worth seeing in person."

Estimated monthly payment

Principal & interest$784
Property taxes$207
Home insurance (est.)$71
HOA dues$120

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history87 days on market

  1. Status: Pending
    Jun 1, 2026
  2. Listed$165,000
    Oct 1, 2025
  3. Price reduced$155,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Pending
Days on market
87
Subdivision
Palm Cay
County
Marion
Year built
1987
Living area
960 sq ft
Price/sq ft
$161
Building area
1,470 sq ft (Public Records)
Lot size
12,632 sq ft
Lot category
1/4 to less than 1/2
Flood zone
X (12083C0684E)
Garage
1 spaces
Annual taxes
$2,483 (2024)
Parcel #
35773-003-32
Zoning
B4
MLS #
OM710613

Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Carpet, Laminate
Appliances
Dishwasher, Dryer, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Walk-In Closet(s), Window Treatments
Laundry
Laundry Room
Stories / Levels
One
Direction faces
Southwest

Heating & Cooling

Heating
Heat Pump
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
Yes

HOA & Financial

HOA fee
$120 / Monthly
Monthly HOA
$120/mo
Total monthly fees
$120/mo
Total annual fees
$1,445
HOA name
Robbie
CDD
No
Homestead exemption
Yes
Min lease term
1-2 Years
Listing terms
Cash, Conventional
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
See HOA
Approval process
See HOA

Exterior & Construction

Exterior features
Sliding Doors
Construction materials
Metal Siding, Frame
Roof
Shingle
Foundation
Slab
Road surface
Paved

Utilities

Sewer
Septic Tank
Water source
Private
Utilities
Electricity Connected

Community

Pets allowed
Cats OK, Dogs OK, Number Limit, Size Limit
Senior community
Yes

Room Details

RoomLevelDimensions
KitchenFirst
Living RoomFirst
Primary BedroomFirst

Listing Details

Listing date
2025-10-01
On market date
2025-10-01
Original list price
$165,000
Occupant type
Vacant
MLS area
34481 - Ocala
Listing AOR
Ocala - Marion
Status changed
2026-06-01
Tax legal description
SEC 25 TWP 16 RGE 20 PLAT BOOK Y PAGE 049 PALM CAY BLK C LOT 32

Flood risk

Minimal riskFEMA Zone XPanel 12083C0684E

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

HWY 200 west. Turn left into Palm Cay and proceed to guard, enter community, home is the first on the left.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 1, 2026 at 10:21 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA