Beds
2
Baths
2
Sq Ft
1,102 sq ft
Year Built
1988
Lot Size
0.23 acres
Garage
2
About This Property
Major updates include a new roof (2026), A/C (2025), and electrical service (2022). This 2-bedroom, 2-bath home offers 1,102 sq ft plus a 20' x 24' garage, all with a comfortable, functional layout for easy living. Enjoy a bright 14' x 17' Florida room addition and a 9' x 16' lanai for outdoor relaxation. Located in Palm Cay, a gated 55+ community in Southwest Ocala, residents enjoy 24-hour guarded gate, golf cart-friendly streets, and an active lifestyle. Amenities include a clubhouse, pool, tennis court, and a variety of social activities. The monthly fee covers trash service, guarded gate and community access. Optional RV/boat storage may be available for a reasonable fee. Convenient to I-75, the World Equestrian Center, shopping, dining, and medical facilities, with easy access to Gainesville and Orlando. *One or more photos have been digitally enhanced/Virtually Staged for staging purposes.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Highway 200 South to the entrance of Palm Cay. Entrance on the left-hand side of 106th Place. Go through guard gate, right on Southwest 80th Avenue, left on Southwest 107th place, right on 78th Ct.
Location
10838 SW 78TH COURT, OCALA, FL 34476
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$165,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $165,000 home in OCALA.
🏛️
FHA Loan
$5,775 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$8,250 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 13, 2026.