Cleared Lot Ready To Build
Ne 144thave : Fort Mc Coy, FL 32134
Marion County, Florida
Land Description
Welcome to your opportunity to own a cleared, build-ready quarter-acre lot in Fort McCoy, Florida-where convenience meets countryside living in one of Marion County's most desirable rural communities. This property offers the perfect blank canvas for building your dream Florida home, placing a quality manufactured home, or creating a comfortable retirement retreat surrounded by the natural beauty and peaceful lifestyle of Old Florida.
Located on NE 144th Ave, this cleared residential lot sits just minutes from the legendary Ocala National Forest and a short drive to downtown Ocala's shopping, dining, and medical services. Imagine building your home in a place where you can breathe clean air, enjoy dark starry nights, and experience the Florida lifestyle the way it was meant to be-peaceful, natural, and wonderfully unhurried-yet remain connected to modern conveniences just 20 minutes away.
This property stands out for its immediate build-readiness. The lot is completely cleared and level, eliminating expensive site preparation costs that can add thousands to your building budget. No trees to remove, no grading required, no hidden surprises-just flat, ready-to-build land waiting for your vision. The lot dimensions of approximately 75 feet by 150 feet provide ample space for a comfortable home, driveway, landscaping, and even a detached garage or workshop if you desire.
One of the biggest advantages here is the utilities infrastructure already in place. Power is available right at the corner of the property, which means connecting electricity to your future home will be simple and straightforward, saving you potentially thousands of dollars compared to properties requiring long utility extensions. You'll need to install a well for water-typical for rural Florida and providing unlimited fresh water for your household and landscaping-and a septic system for wastewater. The sandy soils throughout Fort McCoy are ideal for septic systems, making permitting and installation straightforward.
The property is zoned R-4 Mixed Residential, a flexible designation that allows single-family homes, duplexes, and manufactured homes. This versatility means you can choose the housing option that best fits your budget and lifestyle. Want to build a traditional site-built home? Perfect. Prefer a quality manufactured or modular home that offers faster construction and lower costs? That works beautifully too. The zoning gives you options, and the absence of an HOA means you have complete freedom to build on your timeline and your terms.
Best of all, there's no Hoa-You won't pay monthly fees or deal with restrictive covenants telling you what color you can paint your house or what you can park in your driveway. You have the freedom to build the home of your dreams, landscape the way you want, and truly make this property your own. This is your land, your rules, your Florida dream.
Whether you're looking to escape the congestion and high costs of city life, invest in Florida's growing land market, or secure a homesite for your retirement years, this property delivers exceptional value. The location strikes that perfect balance-remote enough to enjoy peace, quiet, and a real sense of space, yet close enough to Ocala (just 20 minutes) for shopping, medical care, dining, and all modern conveniences.
We're making land ownership accessible and affordable with flexible financing options:
Cash Discounted Price: $16,999
Easy Owner Financing Available:
- Down Payment: $250
- Documentation Fee: $250 (one-time)
- Total Due Today: $500
- Monthly Payment: $275/Month for 84 months
That's right-own Florida land for just $500 down and $275 per month. No credit checks, no bank hassles, no complicated approval process. We make land ownership simple and accessible to everyone who dreams of owning their own piece of the Sunshine State.
See Info Below:
- Property Address: NE 144th Ave, Fort McCoy, FL 32134
- State: Florida
- County: Marion
- Zip: 32134
- Size: 0.25 acres (approximately 10,890 square feet)
- Lot Dimensions: Approximately 75 feet x 150 feet
- Parcel/APN: 1000
- Legal Description: Section 35, Township 11 South, Range 23 East
GPS Coordinates:
- Center: 29.382300, -81.918800
- NW Corner: 29.382400, -81.918900
- NE Corner: 29.382400, -81.918600
- SE Corner: 29.382100, -81.918600
- SW Corner: 29.382100, -81.918900
- Annual Taxes: Approximately $74.08/Year (incredibly affordable)
- Zoning: R-4 Mixed Residential (Allows single-family homes, duplexes, and manufactured homes)
- Hoa/Poa: None - No HOA fees or restrictions
- Improvements: Cleared and level, ready to build
- Access: NE 144th Ave (Paved road access)
- Water: Private well required (typical depth 100-200 feet in this area)
- Sewer: Septic system required (must be permitted through Florida Department of Health - Marion County)
- Utilities: Electric available at corner of property; Propane for cooking/heating; Internet options available (cellular, satellite including Starlink)
- Camping/RVs: Not permitted for permanent occupancy per Marion County regulations
Information presented in this listing is deemed accurate but is not guaranteed. Buyers are advised to conduct their own due diligence and verify all details independently.
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Location And Setting Overview
Your Florida Homesite Awaits: This 0.25-Acre cleared lot sits in Fort McCoy-one of Marion County's most desirable rural areas for those seeking authentic Old Florida living without sacrificing modern conveniences. Fort McCoy has been welcoming homeowners and nature lovers for generations, creating a friendly atmosphere where neighbors wave as they pass but everyone respects each other's privacy and independence. The area features a mix of well-maintained homes on spacious lots, creating the perfect balance between community and seclusion.
Your property sits on NE 144th Ave, a paved road that provides year-round easy access-no muddy dirt roads or worrying about getting stuck after heavy rains. The neighborhood is actively developing with new homes being built, showing strong confidence in the area's future and property values. Unlike crowded suburban subdivisions with houses stacked side-by-side, here you'll have space to breathe, room for a real yard, and the sounds of nature instead of highway traffic. This is the Florida lifestyle people dream about-warm sunshine, peaceful surroundings, and the freedom to live life on your own terms.
Fort McCoy - Gateway to Natural Florida: The town of Fort McCoy embodies everything that makes rural Florida special. This unincorporated community sits at the western edge of the magnificent Ocala National Forest, positioning residents at the doorstep of 430,000 acres of pristine wilderness. Founded in the 1800S, Fort McCoy has a rich pioneer heritage that continues to shape its character today. The community maintains a strong sense of history while embracing newcomers who appreciate small-town values and outdoor lifestyles.
Fort McCoy proper is home to around 1,000 residents, though the greater area including surrounding communities totals closer to 18,000 people. This sweet spot means you have neighbors and essential services nearby without the congestion and noise of larger towns. The Fort McCoy School serves pre-K through eighth grade students, and the community takes pride in its local institutions including the Fort McCoy Public Library, housed in a historic renovated 1930S school building, and Community Park with playgrounds, ball fields, and picnic facilities.
The area is dotted with sparkling freshwater lakes-Lake Kerr, Lake Ocklawaha, Orange Lake, and dozens more-making this a paradise for anglers, kayakers, and anyone who loves being on the water. The town's location between these lakes and the national forest creates a unique environment where you can fish at sunrise, hike forest trails in the afternoon, and watch deer graze in your yard at sunset. It's the kind of place where people still know their neighbors' names, kids can play outside safely, and the pace of life allows you to actually enjoy each day.
Perfect Location - Close to Everything: One of this property's greatest advantages is its strategic positioning. You're approximately 15 minutes from the heart of Fort McCoy where you'll find gas stations, convenience stores, the post office, and local restaurants serving Southern comfort food. Need more shopping options or medical care? The city of Ocala-Marion County's hub with over 60,000 residents-sits just 23 miles (approximately 20-25 minutes) to the southwest. Ocala offers everything you'd expect from a thriving city: Walmart, Target, Home Depot, Lowe's, Publix and other major grocery chains, dozens of restaurants from fast food to fine dining, urgent care clinics, HCA Florida Ocala Hospital, and specialized medical services of all kinds.
For University of Florida sporting events, cultural attractions, or big-city amenities, Gainesville is approximately 39 miles (about 45 minutes) north. And when you want a weekend at the theme parks, Orlando sits roughly 75 miles south (about 1 hour 30 minutes), putting you within easy reach of Walt Disney World, Universal Studios, and SeaWorld. Jacksonville and its international airport are roughly 90 miles northeast (about 1 hour 45 minutes), also giving you access to beautiful Atlantic coast beaches at Jacksonville Beach, Neptune Beach, and Atlantic Beach. This perfect positioning means you enjoy peaceful country living without isolation-civilization is always within reach when you need it, but far enough away that you can truly unwind and escape.
Gateway to Adventure: Your location opens up incredible recreational opportunities. The Ocala National Forest stretches east of Fort McCoy for miles of pristine wilderness. This is Florida's oldest national forest, established in 1908, and it remains one of the state's greatest natural treasures. Within the forest you'll find the famous Florida Trail (a 1,500-Mile hiking path that runs from the Keys to the Panhandle), hundreds of miles of off-road vehicle trails, crystal-clear springs perfect for swimming and snorkeling, and some of the best freshwater fishing in the Southeast.
Silver Springs State Park, home to the world's largest artesian spring and famous glass-bottom boat tours, sits about 30 minutes southwest. The spring pumps out 550 million gallons of crystal-clear water daily, creating a river so transparent you can see fish swimming 30 feet below your boat. Nearby you'll find other spectacular springs including Silver River Museum & Environmental Education Center (about 29 minutes away), where you can learn about the area's natural and cultural history through exhibits and nature trails. Juniper Springs offers a natural swimming area and historic millhouse, while Alexander Springs provides fantastic snorkeling and a pristine beach for relaxation. These springs maintain a constant 72-degree temperature year-round-refreshingly cool in summer, pleasantly warm in winter.
For adventure seekers, The Canyons Zip Line and Adventure Park (about 34 minutes away) offers thrilling zipline courses through the forest canopy, while Brick City Adventure Park (about 37 minutes) provides off-road ATV trails and outdoor challenges. Tuscawilla Art Park (about 34 minutes) combines nature trails with outdoor sculpture gardens, perfect for peaceful walks and artistic inspiration.
Lake Kerr, one of the area's largest and most beautiful lakes, sits northeast offering excellent bass fishing, kayaking, and wildlife viewing. Whether you're into fishing, hiking, camping, kayaking, birdwatching, photography, or simply enjoying nature's beauty, you'll have endless adventures waiting just outside your door.
Climate and Lifestyle: Fort McCoy sits at approximately 60-70 feet elevation with North-Central Florida's signature humid subtropical climate-delivering hot summers and mild winters perfect for year-round outdoor living. Summer highs typically reach the low-to-mid 90s°F, but afternoon thunderstorms provide natural air conditioning and keep everything lush and green. These storms usually roll through in late afternoon, bringing spectacular lightning shows, cooling rain, and beautiful rainbows before clearing out for pleasant evenings.
Winter is absolutely delightful-average highs in the upper 60s to low 70s°F and lows rarely dipping below the mid-40s to low-50s°F. Hard freezes are uncommon, and snow is virtually unheard of, meaning you can garden and enjoy outdoor activities through every season. Spring arrives early (February-March) with azaleas, dogwoods, and wildflowers blooming across the landscape. Fall brings comfortable temperatures and lower humidity, making October through December prime time for hiking, camping, and working on outdoor projects.
The region receives about 52 inches of annual rainfall, most falling during the summer months, keeping your future lawn green without constant irrigation. You'll enjoy approximately 230+ sunny days per year-plenty of Florida sunshine to lift your spirits, grow a garden, and potentially power your home with solar panels if you choose.
Neighborhood Character and Community: Fort McCoy and the surrounding area attract a wonderful mix of residents-retirees seeking affordable Florida living away from crowded retirement communities, working families raising children in a safe environment, remote workers who can live anywhere and choose nature over city life, veterans drawn to the area's peace and outdoor opportunities, and investors building properties to meet growing demand. The neighborhood has a relaxed, friendly atmosphere where people wave as they drive by but respect each other's privacy.
The absence of an HOA means you won't face cookie-cutter restrictions or monthly fees. You can park your boat or RV in your driveway, plant the garden you want, paint your house your favorite color, and truly make your property reflect your personality. This freedom is increasingly rare in Florida's more developed areas, making Fort McCoy especially appealing to independent-minded individuals and families who value personal liberty and property rights.
Marion County's government takes a balanced approach-maintaining important health and safety regulations while giving property owners significant freedom in how they use their land. The county's building department is known for being helpful and responsive, guiding new homeowners through the permitting process rather than creating unnecessary obstacles. This business-friendly, property-rights-respecting attitude makes building here straightforward compared to some Florida counties with more restrictive regulations.
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Building Your Dream Home - Options For Every Budget
One of this property's greatest advantages is its immediate build-readiness and flexible zoning. Whether you're working with a $40,000 budget or $200,000+, you have viable options for creating your Florida home. Let's explore what's possible:
Manufactured Homes - Quality and Affordability Combined ($40,000-$90,000): Modern manufactured homes bear little resemblance to the mobile homes of decades past. Today's manufactured homes feature residential-style construction, energy-efficient designs, attractive exteriors, and floor plans that rival traditional site-built homes. With your R-4 Mixed Residential zoning, you can place a quality manufactured home here without restrictions.
A basic new double-wide manufactured home (1,200-1,500 square feet, 3 bedrooms, 2 bathrooms) typically costs $40,000-$70,000 delivered and set up, depending on finishes and features. For $70,000-$90,000, you can get a larger, more luxurious model with 1,600-2,000+ square feet, upgraded cabinets, granite countertops, garden tubs, vaulted ceilings, and architectural shingles. Many modern manufactured homes are designed to look like traditional site-built houses, with vinyl siding, front porches, and architectural details that blend beautifully into neighborhoods.
Installation costs for a manufactured home on your cleared, level lot should run approximately $8,000-$15,000 for site preparation (minimal since lot is already cleared), foundation (concrete runners or full perimeter foundation), utility connections, skirting, and steps. Add another $3,500-$6,000 for well installation and $5,000-$8,000 for septic system, and you're looking at a total move-in cost of roughly $60,000-$120,000 depending on home size and finishes.
Major advantages of manufactured homes include speed of construction (your home can be delivered and ready to occupy within 60-90 days once permits are in place), factory precision (built indoors with strict quality control), energy efficiency (modern manufactured homes meet Energy Star standards), and lower property taxes (manufactured homes on leased land are taxed differently than real property, though yours would be on your own land). Many lenders now offer financing for manufactured homes similar to traditional mortgages, especially when permanently affixed to owned land.
Modular Homes - Best of Both Worlds ($80,000-$150,000): Modular homes represent a middle ground between manufactured and site-built construction. Like manufactured homes, they're built in sections at a factory, but they're constructed to the same building codes as traditional site-built homes rather than HUD code. The modules are transported to your property and assembled on a permanent foundation, then finished by local contractors.
A quality modular home (1,400-2,000 square feet, 3-4 bedrooms, 2-3 bathrooms) typically costs $80,000-$130,000 for the structure itself. Add approximately $15,000-$25,000 for site preparation, foundation, assembly, and finishing work, plus utilities ($3,500-$6,000 for well, $5,000-$8,000 for septic), and you're looking at a total cost of roughly $105,000-$170,000.
Modular homes offer several advantages: faster construction than traditional site-built (typically 3-4 months from factory to move-in), consistent quality due to factory construction, ability to customize floor plans and finishes, and they're considered real property rather than personal property. They often appreciate in value similarly to site-built homes and are easier to finance and insure. The finished product looks identical to a site-built home-neighbors won't know the difference.
Site-Built Homes - Traditional Construction ($100,000-$250,000+): If you prefer traditional stick-built construction, your cleared, level lot provides an excellent foundation for building. Site-built homes offer unlimited customization but require more time and typically cost more than manufactured or modular options.
For a basic but quality site-built home (1,200-1,600 square feet, 3 bedrooms, 2 bathrooms) with standard finishes, expect to budget approximately $100-$130 per square foot, or $120,000-$210,000 for construction. This includes foundation, framing, roofing, siding, interior finishes, Hvac, electrical, and plumbing. Add your well ($3,500-$6,000) and septic ($5,000-$8,000), bringing total costs to roughly $130,000-$225,000 depending on size and finishes.
For a larger or more upscale home (1,800-2,400+ square feet) with upgraded features like granite countertops, hardwood floors, custom cabinets, and high-end fixtures, costs typically run $130-$180+ per square foot. Construction timeline for site-built homes generally runs 6-12 months depending on size, complexity, weather, and contractor scheduling.
Barndominium/Metal Buildings - Trendy and Budget-Friendly ($60,000-$140,000): Barndominiums-metal buildings converted into comfortable living spaces-have exploded in popularity across rural Florida. These structures combine durability, energy efficiency, and modern aesthetics at costs often below traditional construction. A basic 1,500 square foot barndominium shell costs approximately $40,000-$60,000. Interior finishing adds another $30,000-$60,000, for a total of $70,000-$120,000 plus utilities. The metal exterior requires virtually no maintenance and stands up to Florida's humidity and storms.
Utilities and Infrastructure Costs: Let's break down the essential utility installation costs you should budget for:
Well System ($3,500-$6,000 total): In the Fort McCoy area, residential wells typically need to be drilled 100-200 feet deep to reach the Floridan Aquifer, which provides abundant, high-quality freshwater. A complete well system includes drilling, casing, pump installation, pressure tank, and basic filtration. The water is typically excellent quality, though you may want to add a water softener ($500-$1,500) if you prefer softer water for bathing and laundry. Having your own well means no monthly water bills-ever-and unlimited water for your household, lawn irrigation, and any other needs.
Septic System ($5,000-$8,000 installed): Marion County's sandy soils are ideal for conventional septic systems, which are the most affordable and reliable option for rural properties. A standard septic system for a 3-bedroom home includes the tank, drain field, installation, and permitting through the Florida Department of Health. The system should last 20-30+ years with minimal maintenance (pumping every 3-5 years, costing around $250-$400). Unlike city sewer systems, there are no monthly sewer fees.
Electric Connection ($0-$2,000): Since power is already at the corner of this property, your connection costs should be minimal-typically just a service connection fee and installation of your meter base. If your home plans require the meter to be located further from the corner, you might pay for additional wire runs, but costs should remain very reasonable. Monthly electric bills in Florida vary widely based on home size, insulation, and air conditioning usage but typically run $100-$250 for an energy-efficient 1,500 square foot home.
Propane ($0 initial, $500-$1,500 annually for cooking/hot water): Most rural Florida homes use propane for cooking, hot water, and sometimes backup heating. Propane companies typically provide and install the tank for free, and you pay only for the propane you use. A 500-Gallon tank refilled once or twice annually is typical for a household using propane for cooking and hot water.
Internet and Communications: Fort McCoy has multiple internet options, with most residents using either cellular-based services, satellite internet (Starlink is highly popular and reliable), or fixed wireless providers. Starlink currently costs about $120/Month for unlimited high-speed internet that works great for streaming, remote work, and video calls. Cell phone service from major carriers (Verizon, At&T, T-Mobile) provides good coverage in the area.
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The Fort McCoy Lifestyle - Natural Florida Living
Outdoor Recreation Paradise: Living in Fort McCoy means having some of Florida's best outdoor recreation practically in your backyard. The Ocala National Forest, stretching eastward from Fort McCoy, encompasses 430,000 acres of longleaf pine forests, sparkling springs, pristine lakes, and winding rivers.
Springs and Swimming: The Ocala National Forest contains more first-magnitude springs than anywhere else on Earth. These crystal-clear springs maintain a constant 72°F year-round, creating natural swimming pools that are refreshing in summer and comfortably warm in winter. Silver Springs, about 30 minutes southwest, pumps out 550 million gallons of water daily, creating the famous glass-bottom boat tours where you can see 30+ feet down through water so clear it looks invisible. Juniper Springs features a beautiful natural swimming area and historic millhouse with a working waterwheel. Alexander Springs offers fantastic snorkeling where you can watch fish, turtles, and sometimes even manatees in water so clear it feels like swimming in an aquarium. Salt Springs delivers unique mineral-rich waters that locals swear have therapeutic properties.
Fishing: Marion County is an angler's paradise with hundreds of lakes, rivers, and streams teeming with fish. Largemouth bass fishing here is world-class-the Ocala area has produced numerous trophy fish and hosts regular bass fishing tournaments. Lake Kerr, Orange Lake, Lake Ocklawaha, and dozens of smaller lakes offer excellent bass, bluegill, crappie, and catfish fishing year-round. The St. Johns River, Florida's longest river, flows through eastern Marion County providing additional fishing opportunities plus the chance to catch redfish, mullet, and other species when the tide is right. Many residents keep a bass boat, kayak, or canoe for quick fishing trips after work or on weekends.
Hunting: Florida's hunting traditions run deep, and Marion County offers excellent opportunities. The Ocala National Forest allows hunting for white-tailed deer (Florida's deer tend to be smaller than northern varieties but are plentiful), wild turkey, feral hogs, and small game including squirrels and rabbits. Deer season runs from late summer through winter, with archery, muzzleloader, and general gun seasons. Turkey hunting in spring brings hunters from across the state hoping to bag one of Florida's wily gobblers. Many private properties in the area also offer hunting leases if you want additional access.
Hiking and Nature Trails: The Florida National Scenic Trail runs through the Ocala National Forest, offering both day hikes and multi-day backpacking opportunities. The trail winds through pine flatwoods, hardwood hammocks, scrub communities, and along crystal-clear creeks, providing an intimate look at Florida's diverse ecosystems. Shorter nature trails at various springs and recreation areas offer easier walks perfect for families or casual hikers. Wildlife viewing opportunities abound-you're likely to see white-tailed deer, wild turkeys, gopher tortoises, alligators, and dozens of bird species including bald eagles, woodpeckers, and wading birds.
Seasonal Highlights: Each season brings new outdoor opportunities. Spring (March-May) is prime time for turkey hunting, wildflower viewing, and comfortable camping weather. Summer (June-August) is perfect for spring swimming, early-morning fishing before the heat, and watching afternoon thunderstorms roll across the sky. Fall (September-November) brings crisp mornings, lower humidity, and the beginning of hunting seasons. Winter (December-February) is absolutely delightful-perfect weather for hiking, camping, working on outdoor projects, and enjoying sunny 70-degree days without Florida's summer humidity.
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Why Fort McCoy And Marion County Make Sense
Strong Market Fundamentals: Marion County has been one of Florida's fastest-growing counties over the past decade, with population increasing approximately 15% between 2010 and 2020. This growth is driven by several factors: relative affordability compared to coastal Florida counties, proximity to major employment centers (Ocala, Gainesville, The Villages), excellent quality of life with outdoor recreation opportunities, no state income tax, and increasing numbers of retirees and remote workers choosing the area. Unlike some rural Florida counties experiencing population decline, Marion County continues to attract new residents, support new business development, and invest in infrastructure improvements. This steady growth creates upward pressure on property values while maintaining the rural character that makes the area desirable.
Property Values and Appreciation: Land values in Fort McCoy and surrounding Marion County have shown steady appreciation over the long term. While the real estate market has cycles, the fundamental factors driving demand-Florida's population growth, limited developable land near recreational amenities, increasing desire for rural/suburban living post-pandemic-remain strong. Properties with utilities available, paved road access, and clear titles tend to appreciate most reliably. Your cleared, build-ready lot with power at the property and paved road frontage represents excellent value at $16,999 cash or $275/Month. Comparable cleared lots in the area with similar features often list for $20,000-$30,000+, making this an attractive opportunity for buyers who want to lock in today's pricing before future appreciation.
No State Income Tax: Florida's lack of state income tax is a huge advantage, especially for retirees living on fixed incomes or high-earning remote workers. If you're moving from a high-tax state like New York, California, New Jersey, or Illinois, the tax savings alone could cover your land payment. A couple earning $100,000 annually might save $5,000-$8,000+ per year in state income taxes by moving to Florida.
Affordable Property Taxes: Marion County's property tax rates are reasonable compared to many Florida counties. On raw land assessed at $16,999, annual property taxes run approximately $74-Roughly $6 per month. Even after you build a home, Florida's Save Our Homes amendment caps assessment increases at 3% annually for homesteaded properties, providing long-term tax predictability. Total property taxes (land + house) for a modest 1,500 square foot home might be $1,200-$1,800 annually-far less than many northern states where property taxes can easily exceed $5,000-$10,000+ on similar properties.
Homestead Exemption: Florida offers generous homestead exemptions for primary residences. The standard homestead exemption removes up to $50,000 from your home's assessed value for property tax purposes (with $25,000 applying to all taxes and an additional $25,000 applying to non-school taxes). This can save you $750-$1,000+ annually. Additional exemptions are available for seniors, disabled persons, veterans, and other qualifying groups. These exemptions make Florida home ownership even more affordable.
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Owner Financing - Your Path To Land Ownership
No Bank, No Problem: We understand that not everyone has perfect credit or access to traditional financing. That's why we offer owner financing with terms designed to make land ownership accessible to everyone.
Our process is simple, fast, and judgment-free. We don't run credit checks or scrutinize your financial history. We don't require tax returns, pay stubs, or mountains of paperwork. If you have steady income and can make the monthly payment, we want to work with you.
How Our Financing Works:
Cash Discounted Price: $16,999 - Own your Florida land outright with one payment, no interest, and immediate full ownership.
Owner Financing Terms:
- Down Payment: $250
- Documentation Fee: $250 (one-time closing cost)
- Total Due Today: $500
- Monthly Payment: $275/Month
- Loan Term: 84 months (7 years)
That's it-for just $500 down and a monthly payment of $275 (less than most car payments, cable bills, or gym memberships), you can own Florida land in Fort McCoy. Your monthly payment is less than most people spend on dining out, streaming services, coffee shops, or other expenses that provide no lasting value. Instead, you'll be building equity in real estate that appreciates while providing a place you can use, enjoy, and eventually build on.
Important Note About Building: For owner-financed purchases, building permits cannot be pulled until the contract is paid in full and the deed is transferred to your name. This is because Marion County requires the deed holder to apply for permits. During your payment period, you can visit the property, plan your build, and save for construction costs. Once the property is paid off, you'll receive the warranty deed and can begin the permitting and building process. Many buyers appreciate this structure as it allows them to pay down the land while simultaneously saving money for construction, resulting in less overall debt and more financial flexibility when it's time to build.
Early Payoff Welcome: There are NO prepayment penalties. If you receive a tax refund, bonus, inheritance, or other windfall, you can pay off the remaining balance anytime and get the deed in your name sooner so you can begin building. The flexibility is entirely yours.
Simple Process: Our purchase process is straightforward:
1. Contact us to confirm the property is still available
2. Make your down payment ($500 total)
3. Sign our contract
4. Start enjoying your land
The entire process typically takes 1-2 days. We handle the paperwork-no attorneys required, no complicated closings, no hassles.
Build Wealth Instead of Making Landlords Rich: If you're currently renting and paying $1,200-1,800/Month for an apartment in a Florida city, at the end of your lease you own nothing. With this property, your $275/Month builds equity in an asset you own. In 7 years, you'll own the land free and clear, and you can build on it or sell it for profit.
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Buying Process - Simple, Fast, And Straightforward
We've streamlined the land buying process to be as simple and stress-free as possible. Whether you're paying cash or using our owner financing, you can move from decision to ownership in just 1-2 days. Here's how it works:
Step 1 - Contact Us: Use the contact form on this listing to reach out. We'll answer any questions you have about the property, discuss your plans and vision, and explain the purchase process. We're happy to arrange a property showing if you're in the area, or we can provide additional photos, videos, or virtual tours if you're purchasing from out of state.
Step 2 - Choose Your Payment Option:
Cash Purchase ($16,999): If you're paying cash, we'll prepare the deed and closing documents. You'll wire the funds or provide a cashier's check, and we'll record the deed in your name at the Marion County Clerk's office. The entire process typically takes 1-2 days, and you'll receive your recorded deed showing you as the legal owner.
Owner Financing ($250 Down + $250 Doc Fee, then $275/Month for 84 Months): Our owner financing makes land ownership accessible without the hassle of bank loans. There's no credit check, no complicated application, no employment verification, and no lengthy approval process. You pay $250 down payment plus $250 one-time documentation fee (total $500) to start, then $275 per month for 84 months.
The financing is handled through a contract for deed (also called a land contract). You take possession of the property and can visit it, enjoy it, and pay taxes on it. The property remains titled in our name until the contract is paid off, at which point we provide you with a warranty deed giving you full legal ownership. Once the deed is in your name, you can pull permits and begin building. You pay the annual property taxes directly to the county, keeping your costs transparent and under your control.
Step 3 - Make Your Down Payment: Once you've decided to move forward, make your down payment through our secure online payment system or by cashier's check. For owner financing, this is $250 down + $250 doc fee $500 total. For cash purchases, this is the full $16,999 purchase price.
Step 4 - Sign Your Contract: We'll email you the contract or deed for review and signature. You can sign electronically for convenience, or we can mail documents if you prefer physical signatures. Everything is clearly written in plain English-no confusing legalese or hidden terms.
Step 5 - Start Enjoying Your Land: That's it. For cash purchases, once the deed is recorded (typically 1-2 business days), the property is yours and you can begin building immediately. For owner financed purchases, once your down payment is processed and contract is signed, you can visit the property and plan your future build. Once the contract is paid in full and the deed transfers to your name, you'll be able to pull permits and begin construction. We'll provide you with the parcel number, GPS coordinates, and property information you need.
Our Commitment to You: We believe land ownership should be accessible to everyone, not just those who can afford to pay cash or navigate complex bank financing. That's why we've eliminated the typical obstacles:
- No Credit Checks: Your credit score doesn't matter to us. We care about your commitment to making payments, not your past financial challenges.
- No Bank Hassles: No waiting weeks for loan approval, no stacks of financial documents, no employment verification, no appraisal requirements.
- No Prepayment Penalty: Want to pay off your balance early? Great. You can make extra payments or pay in full anytime without penalty, saving interest charges and getting the deed in your name sooner so you can begin building.
- Flexible Terms: Our 84-month (7-year) term provides affordable monthly payments while building equity in real property.
What Happens After Purchase: For cash buyers, once you own the property with the deed in your name, you can begin the permitting and building process right away. We're happy to provide guidance on working with Marion County, recommend contractors, and share our experience with other buyers who have successfully built in the area. For owner-financed buyers, you'll make your monthly payments while the property appreciates in value. There's no timeline pressure-pay at your own pace, and once the contract is paid off and the deed is in your name, you can begin your building project. Many buyers use the payment period to save additional funds for construction, research builders, and finalize their plans.
Property Taxes: Under owner financing, you're responsible for paying the annual property taxes. Current taxes are approximately $74.08 annually-about $6 per month. These payments will be built into your monthly payment.
Title and Ownership: We provide clear, marketable title on all properties we sell. For cash purchases, you receive a warranty deed immediately upon payment and can begin building right away. For owner financed purchases, the contract for deed gives you equitable interest and the right to visit and enjoy the property, with legal title transferring via warranty deed once the contract is paid in full. At that point, you'll be able to pull building permits and begin construction. This is a standard and legally protected ownership structure used throughout the real estate industry.
About H5 Land Ventures: We're a family-owned business dedicated to making land ownership accessible and affordable. We've helped hundreds of families across Florida achieve their dream of owning land, and we take pride in providing honest communication, clear terms, and responsive service. When you buy from us, you're not just getting a piece of land-you're getting a partner committed to your success and satisfaction.
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Frequently Asked Questions
Q: Is the property in a flood zone?
A: Based on Fema maps, this property is classified as Zone X (Area of Minimal Flood Hazard), which means it's outside the 500-Year floodplain and not in a special flood hazard area. This is the lowest-risk designation and typically means flood insurance is not required by mortgage lenders. As always, we recommend buyers verify current flood zone status with Marion County or Fema before finalizing purchase.
Q: Can I camp or park an RV on the property?
A: Marion County regulations prohibit using RVs or camping on residential properties as a permanent dwelling. However, you may be able to park an RV temporarily during construction of a permanent home with proper permits. Check with Marion County Code Enforcement for current regulations and any temporary occupancy permits available during the building process.
Q: How long does it take to get utilities installed?
A: Since electric is already at the corner of the property, electric connection is quick-typically 2-4 weeks once you have permits and are ready to connect. Well drilling usually takes 1-2 weeks from scheduling to completion, including pump installation and testing. Septic installation typically takes 1-2 weeks once permitted. Total timeline for all utilities is usually 4-8 weeks depending on contractor scheduling.
Q: What are the building requirements?
A: Marion County requires permits for all habitable structures. Minimum house size is typically 600+ square feet for a primary residence. Manufactured homes must meet HUD code and be properly installed on an approved foundation. Site-built and modular homes must meet Florida Building Code. The county building department is helpful in explaining requirements and the permitting process.
Q: Are there any restrictions on what I can build?
A: The R-4 Mixed Residential zoning allows single-family homes, duplexes, and manufactured homes. There are no HOA restrictions since there is no Hoa. You must follow Marion County building codes and zoning regulations, but beyond that, you have significant freedom in home design, materials, and style.
Q: What animals can I keep on the property?
A: Marion County zoning regulations govern livestock and animals. Generally, on 0.25 acres in residential zoning, you can keep normal household pets, and in many cases chickens (hens, not roosters) for personal use. Larger livestock typically requires larger acreage and may require special permits. Check with Marion County Zoning for specific regulations on any animals you plan to keep.
Q: Can I subdivide or split the property?
A: Subdividing property requires Marion County approval and must meet minimum lot size requirements, road access standards, and other regulations. At 0.25 acres, this property is already a standard residential lot and further subdivision would likely not be feasible. If you're interested in multiple lots for development, we often have larger parcels available.
Q: Is owner financing really no credit check?
A: Yes, absolutely. We don't run credit checks or require proof of income. We care about your commitment to making payments, not your credit score or financial history. Our belief is that everyone deserves the opportunity to own land regardless of past credit challenges.
Q: What happens if I can't make a payment?
A: Life happens, and we understand that. If you're going to have trouble making a payment, contact us immediately-we're often able to work out temporary arrangements, accept partial payments, or otherwise help you through difficult times. Our goal is your success, not foreclosure. However, if payments stop entirely and we can't reach you or work out a solution, we would eventually need to cancel the contract per its terms.
Q: Can I pay off the contract early?
A: Yes. There is no prepayment penalty whatsoever. You can make extra payments anytime, pay off a large chunk when you have extra money, or pay the entire balance whenever you want. Paying early saves you interest charges and gets the property deeded in your name faster.
Q: Will you finance if I'm not a U.S. citizen?
A: Yes. We work with international buyers and non-citizens. You'll need to be able to make payments from a U.S. bank account, but citizenship status doesn't affect our willingness to provide owner financing.
Q: How is this property priced so affordably?
A: We believe in fair pricing and accessible land ownership rather than maximizing profit on every transaction. We purchase properties strategically, keep our overhead low, and price fairly to move inventory and help more people achieve land ownership. We'd rather sell more properties at fair prices than fewer properties at inflated prices.
Q: Is there road access year-round?
A: Yes. NE 144th Ave is a paved road maintained by Marion County. You'll have reliable access year-round regardless of weather. Unlike some rural properties with dirt roads that become impassable during heavy rain, this property's paved road access means you'll never worry about access issues.
Q: What's the first step if I want to move forward?
A: Just reach out. Use the contact form on this listing to get in touch with us. We'll answer any additional questions, provide more information if needed, and guide you through our simple purchase process. Most buyers go from first contact to ownership in just a few days.
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Your Florida Dream Starts Here
This cleared quarter-acre lot in Fort McCoy represents more than just a real estate transaction-it's your opportunity to build the Florida lifestyle you've been dreaming about. Whether you're envisioning a cozy retirement cottage surrounded by nature, a weekend escape from city stress, or a full-time residence where you can raise your family in a safe, healthy environment, this property provides the perfect foundation.
You're not just buying land-you're buying freedom. Freedom from HOA restrictions. Freedom from the noise and congestion of urban living. Freedom to build the home you want, on your timeline, in a place where you can actually afford it. Freedom to enjoy Florida's natural beauty, outdoor recreation, and year-round sunshine without sacrificing modern conveniences or breaking your budget.
At just $16,999 cash or $275 per month with owner financing, you're making one of the smartest investments possible: buying real property that will be yours forever. Land doesn't depreciate like vehicles or lose value like most consumer purchases-it's a tangible asset that typically appreciates over time while providing a place you can use and enjoy immediately.
The Fort McCoy area is growing, with new homes being built and property values steadily rising. By purchasing now, you're locking in today's price before further appreciation. In five or ten years, you'll look back on this decision as one of the best financial moves you made.
Don't let this opportunity pass you by. Properties with this combination of features-cleared land, paved road access, power at the property, flexible zoning, no Hoa, and owner financing-don't last long at this price point. Take the first step toward Florida land ownership today.
Ready to make this property yours? Use the contact form on this listing to get started. Your Florida dream is closer than you think.
More Land Details
Property Type: Residential Land
Size: 0.25 Acres
Apn: 1000
Annual Taxes: $74.08
Zoning: R-4 Mixed Residential
Access: Paved Road (NE 144th Ave)
Power: Available at corner of property
Terrain: Cleared and level
HOA: None
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The details provided in this property listing are believed to be reliable but are not warranted. Prospective buyers should conduct their own due diligence to verify information before purchase.
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At H5 Land Ventures, we believe that owning land should be possible for everyone. We are a family-owned business that specializes in making land ownership simple, affordable, and accessible so you can build your legacy, create memories, and invest in your future.
Land Maps & Attachments
Directions to Land
Directions to Property
From Ocala (approximately 23 miles, 25-30 minutes):
Head northeast on E Silver Springs Blvd/SR-40
Continue on SR-40 E for approximately 12 miles
Turn left onto NE 115th Ave
Turn right onto NE 144th Ave
Property will be on your right
From Gainesville (approximately 39 miles, 45-50 minutes):
Head south on S Main St/US-441 S
Continue on US-441 S for approximately 30 miles
Turn right onto SR-40 W toward Ocala
Turn right onto NE 115th Ave
Turn right onto NE 144th Ave
Property will be on your right
GPS Coordinates: 29.382300, -81.918800 (Center of Property)
