Three Lots for Price of Two
Ne 232nd Lane : Fort McCoy, FL 32134
Marion County, Florida
Land Description
Welcome to your opportunity to own a generous 0.63-Acre parcel in Fort McCoy, Florida-where space, freedom, and natural beauty come together to create the perfect setting for your Florida dream home. This property offers more than half an acre of opportunity in one of Marion County's most desirable rural communities, providing the canvas you need to build a comfortable family home, establish a quiet retirement retreat, or create an investment property in an area with steadily growing demand.
Located on NE 232nd Ln in the heart of Fort McCoy, this residential lot sits just minutes from the legendary Ocala National Forest-one of Florida's most treasured outdoor playgrounds-and a short drive to downtown Ocala's shopping, dining, medical facilities, and urban conveniences. Imagine owning enough land to build the home you've always wanted with room to spare for a workshop, storage building, extensive gardens, or simply open space where you can breathe and enjoy Florida's natural environment.
At 0.63 acres, this property provides significantly more space than typical subdivision lots, giving you approximately 150 feet of frontage and 175+ feet of depth. That's enough room for a comfortable 1,500-2,500 square foot home, detached garage or workshop, circular driveway, landscaping, fruit trees, a vegetable garden, chicken coop if desired, and still have open yard space for kids to play, pets to roam, or simply enjoying the outdoors. Unlike cramped suburban lots where neighbors are just feet away, here you'll have real privacy and room to truly enjoy your property.
The terrain is gently sloped and mostly cleared with scattered trees, offering natural beauty without the expensive clearing costs that can add thousands to your building budget. The mix of open areas and mature trees provides both usable space and natural shade, creating an inviting setting that already feels like home. The soil drains well, typical of North-Central Florida's sandy composition, making foundation work, septic installation, and landscaping straightforward and affordable.
One of the property's key advantages is utilities infrastructure already in place. Power is available at the street, which means connecting electricity to your future home will be simple and cost-effective, 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, clean water for your household and landscaping-and a septic system for wastewater. The sandy soils throughout Fort McCoy are ideal for conventional 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 with custom features? Perfect. Prefer a quality manufactured or modular home that offers faster construction and potentially lower costs? That works beautifully too. Considering building a duplex for rental income or multi-generational living? The zoning supports that as well. You have options, and the flexibility to pursue the vision that works best for your situation.
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, what vehicles you can park in your driveway, or how you can use your own land. This is your property, and you have the freedom to build, landscape, and live exactly as you choose within Marion County's reasonable building codes and zoning regulations.
Whether you're looking to escape congested urban living, invest in Florida's growing real estate market, secure a homesite for future retirement, or build your family's permanent residence, this property delivers exceptional value. The location strikes that perfect balance-peaceful and rural enough to enjoy quiet, dark starry nights, and abundant wildlife, yet close enough to Ocala (just 30 minutes) for shopping, medical care, dining, entertainment, and all modern conveniences.
We're making land ownership accessible and affordable with flexible financing options:
Cash Discounted Price: $37,999
Easy Owner Financing Available:
- Down Payment: $2,500
- Documentation Fee: $500 (one-time)
- Total Due Today: $3,000
- Monthly Payment: $599/Month for 84 months
- Total if Financed: $53,316 over 7 years
That's right-own more than half an acre of Florida land for just $3,000 down and $599 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 232nd Ln, Fort McCoy, FL 32134
- State: Florida
- County: Marion
- Zip: 32134
- Size: 0.63 acres (approximately 27,443 square feet)
- Lot Dimensions: Approximately 150 feet x 175+ feet
- Parcel/APN: 0051
- Legal Description: Section 34, Township 11 South, Range 24 East
GPS Coordinates:
- Center: 29.489082, -81.900017
- NW Corner: 29.489217, -81.900126
- NE Corner: 29.489219, -81.899867
- SE Corner: 29.488916, -81.899848
- SW Corner: 29.488914, -81.900236
- Annual Taxes: Approximately $204.66/Year (very affordable)
- Zoning: R-4 Mixed Residential (Allows single-family homes, duplexes, and manufactured homes)
- Hoa/Poa: None - No HOA fees or restrictions
- Improvements: Gently sloped with mix of cleared areas and scattered trees
- Access: NE 232nd Ln (County-maintained dirt road)
- 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 the street; 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 Spacious Florida Homestead: This 0.63-Acre parcel sits in Fort McCoy-one of Marion County's most desirable rural areas for those seeking authentic Old Florida living combined with modern accessibility. Fort McCoy has been welcoming homeowners and nature lovers for generations, creating a friendly atmosphere where neighbors are courteous but everyone respects privacy and independence. The area features a wonderful mix of well-maintained homes on larger lots, creating the perfect balance between community connection and peaceful seclusion.
Your property sits on NE 232nd Ln, a county-maintained dirt road that provides reliable access. While the road surface is unpaved (typical for rural Florida and preferred by many who enjoy the country feel), it's well-maintained and passable year-round. The neighborhood is experiencing steady growth with new homes being built, demonstrating strong confidence in the area's future and property values. Unlike crowded suburban subdivisions with houses practically touching, here you'll have real space-enough room for privacy, gardening, outdoor activities, and the sounds of nature instead of traffic noise.
Fort McCoy - Where Nature Meets Community: The town of Fort McCoy perfectly 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-the equivalent of having a massive state park as your neighbor. Founded in the 1800S during Florida's pioneer era, Fort McCoy retains a rich heritage that continues to shape its character today while welcoming newcomers who appreciate small-town values, outdoor recreation, and peaceful living.
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, traffic, noise, and stress of larger towns and cities. The Fort McCoy School serves pre-K through eighth grade students with dedicated teachers who know every child's name. The community takes pride in local institutions including the Fort McCoy Public Library (housed in a charming historic renovated 1930S school building where you can check out books, use computers, and attend community events) and Community Park with playgrounds, ball fields, picnic pavilions, and space for outdoor gatherings.
The area surrounding Fort McCoy is dotted with sparkling freshwater lakes-Lake Kerr, Lake Ocklawaha, Orange Lake, Deer Back Lake, and dozens of smaller lakes and ponds-making this an absolute paradise for anglers, kayakers, boaters, and anyone who loves being on or near the water. The town's strategic location between these abundant lakes and the vast Ocala National Forest creates a unique environment where you can fish for bass at sunrise, hike forest trails in the afternoon, and watch white-tailed deer graze peacefully in your yard at sunset. Fort McCoy is the kind of place where people still know their neighbors' names, kids can safely play outside and ride bikes, and the relaxed pace of life allows you to actually enjoy each day rather than rushing through it.
Perfect Location - Close to Everything That Matters: One of this property's greatest strategic advantages is its positioning relative to essential services and attractions. You're approximately 20 minutes from the heart of Fort McCoy where you'll find gas stations, convenience stores, the post office, local restaurants serving authentic Southern comfort food, and essential services. For more extensive shopping options, medical care, or dining variety, the city of Ocala-Marion County's hub with a population exceeding 60,000-Sits approximately 33 miles (about 30-35 minutes) southwest.
Ocala offers everything you'd expect from a thriving mid-sized city while maintaining its own friendly, manageable character: Walmart, Target, Home Depot, Lowe's, Bass Pro Shops, major grocery chains including Publix, Winn-Dixie, and Aldi, dozens of restaurants ranging from fast food to upscale dining, urgent care clinics and medical specialists, HCA Florida Ocala Hospital and other healthcare facilities, banks, professional services, entertainment venues, and much more. You can handle all your shopping, appointments, and errands in Ocala, then return to Fort McCoy's peace and quiet.
For University of Florida sporting events (Go Gators.), cultural attractions, museums, or big-city amenities, Gainesville sits approximately 50 miles (about 50-55 minutes) north. Gainesville offers college-town energy, excellent restaurants, Shands Hospital (one of the Southeast's premier medical centers), museums, performing arts, and SEC football excitement. When you want a weekend adventure at the theme parks, Orlando sits roughly 80 miles south (about 1 hour 30 minutes), putting you within easy reach of Walt Disney World, Universal Studios, SeaWorld, and all of Central Florida's attractions.
Jacksonville and its international airport are roughly 90-95 miles northeast (about 1 hour 45 minutes), also providing access to beautiful Atlantic coast beaches at Jacksonville Beach, Neptune Beach, Ponte Vedra Beach, and St. Augustine-America's oldest city with historic sites, museums, restaurants, and lovely coastal scenery. This positioning is absolutely ideal-you enjoy peaceful country living and the freedom that comes with space and land ownership, yet you're never more than 30-40 minutes from modern conveniences and 90 minutes from major airports, beaches, or theme parks.
Gateway to Outdoor Adventure: Your Fort McCoy location opens up incredible recreational opportunities that outdoor enthusiasts dream about. The Ocala National Forest stretches for miles east of Fort McCoy, offering pristine wilderness that remains remarkably unspoiled despite being in one of America's most populated states. This is Florida's oldest national forest, established in 1908, and it remains one of the state's greatest natural treasures and recreational resources.
Within the forest you'll discover the famous Florida National Scenic Trail (a 1,500-Mile hiking path running from the Keys to the Panhandle with some of its most beautiful sections right here), hundreds of miles of off-road vehicle trails for ATVs and dirt bikes, crystal-clear springs perfect for swimming and snorkeling year-round, some of the Southeast's best freshwater fishing for bass and panfish, primitive and developed camping areas, wildlife viewing opportunities, birdwatching sites, and countless dirt roads and trails for exploring.
Silver Springs State Park, home to the world's largest artesian spring system and famous for its glass-bottom boat tours, sits approximately 30 minutes southwest. The springs pump out an astounding 550 million gallons of crystal-clear water every day, creating a river so transparent you can see fish swimming 30 feet below your boat-visibility that rivals tropical oceans. The glass-bottom boat tours have been operating since the 1870S and offer a magical glimpse into this underwater world. The park also features kayak and canoe rentals, hiking trails, a museum, and picnic areas.
Silver River Museum & Environmental Education Center (approximately 41 minutes away) provides fascinating exhibits about the area's natural and cultural history, from prehistoric times through the Seminole era to modern conservation. The museum sits on beautiful grounds with nature trails, a boardwalk through wetlands, and regular educational programs for all ages.
Silver Glen Springs Recreation Area (about 33 minutes) offers one of the forest's most beautiful swimming holes-a pristine spring with a sandy beach, crystal-clear water maintaining a constant 72°F year-round, and a designated swimming area perfect for families. The spring run connects to Lake George, and the entire area provides excellent kayaking, canoeing, and fishing. Juniper Springs, Alexander Springs, Salt Springs, and numerous other springs lie within easy driving distance, each offering unique beauty and recreational opportunities.
Ray Wayside Park (about 31 minutes) and other county parks provide additional outdoor facilities including boat ramps, fishing access, picnic areas, and playgrounds. Fort King National Historic Landmark (about 40 minutes) preserves an important Seminole War site and offers historical interpretation, trails, and grounds for exploration.
Climate and Lifestyle: Fort McCoy sits at approximately 60-75 feet elevation with North-Central Florida's characteristic humid subtropical climate-hot, humid summers and mild, pleasant winters that allow for year-round outdoor activities and comfortable living. Understanding the climate helps you plan for building, landscaping, and enjoying your property throughout the year.
Summer (June-September) brings hot, humid weather with daytime highs typically in the low-to-mid 90s°F and nighttime lows in the low-to-mid 70s°F. Afternoon thunderstorms are common and actually welcome-they usually roll through between 2-5 PM, bringing spectacular lightning displays, cooling rain, sometimes beautiful rainbows, and relief from the heat before clearing out for pleasant evenings. These storms keep everything lush and green, fill the aquifer that supplies well water, and create the subtropical beauty Florida is known for. Modern homes with good air conditioning and ceiling fans are comfortable even during the hottest months.
Fall (October-November) is absolutely delightful with gradually decreasing humidity, comfortable temperatures (highs in the 70s-80s°F, lows in the 50s-60s°F), and some of the year's most beautiful weather. This is prime time for outdoor work, hiking, camping, and tackling building projects without summer's heat or winter's occasional cold fronts.
Winter (December-February) is mild and pleasant-daytime highs typically in the upper 60s to low 70s°F, nighttime lows generally in the mid-40s to low 50s°F. Hard freezes are relatively uncommon (perhaps a few nights per winter), and snow is virtually unheard of. You can garden, work outside comfortably, and enjoy outdoor activities throughout winter. Most winter days require only a light jacket or sweater, and by mid-morning you might be in short sleeves. This mild climate is exactly why millions of northerners dream of Florida living-no shoveling snow, no months of being trapped indoors, no frozen pipes or heating bills that rival mortgage payments.
Spring (March-May) arrives early with azaleas, dogwoods, and wildflowers blooming across the landscape starting in late February or early March. Temperatures gradually warm from pleasant to hot, humidity increases, and everything bursts into lush green growth. Spring is ideal for planting gardens, working on outdoor projects, and enjoying nature before summer's heat arrives.
The region receives approximately 52 inches of annual rainfall, with most precipitation falling during the summer months (June-September). This pattern keeps lawns and landscapes naturally green during the growing season, reducing irrigation needs. You'll enjoy approximately 230+ sunny days per year-plenty of Florida sunshine to lift your spirits, support solar panels if you choose that route, grow productive gardens, and simply enjoy outdoor living.
Neighborhood Character and Growing Community: Fort McCoy and the surrounding area attract a wonderful, diverse mix of residents who share appreciation for rural living, independence, and natural beauty. The community includes retirees seeking affordable Florida living away from crowded retirement villages and high-cost coastal areas, working families raising children in a safe environment with excellent schools and outdoor opportunities, remote workers and telecommuters who can live anywhere and choose nature and affordability over city congestion, military veterans drawn to the area's peace, outdoor recreation, and friendly atmosphere, and investors building properties to meet growing demand from all these groups.
The neighborhood maintains a relaxed, friendly atmosphere where people wave as they drive by, neighbors help each other during storms or emergencies, and everyone respects privacy and property rights. You'll find a healthy mix of full-time residents who have lived here for decades and newer arrivals discovering Fort McCoy's appeal. There's no pressure to socialize if you prefer solitude, but community connection is available if you want it-church congregations, volunteer opportunities, local events, and casual interactions at the gas station or post office.
The absence of an HOA means you won't face cookie-cutter restrictions, monthly fees eating into your budget, or busybody neighbors dictating what you can do with your own land. You can park your boat or RV in your driveway, build a workshop or storage building, plant the garden you want, paint your house your favorite color, keep chickens for fresh eggs (following county regulations), and truly make your property reflect your personality and lifestyle. This freedom is increasingly rare in Florida's 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 to regulation-maintaining important health and safety standards (building codes, septic requirements, etc.) while giving property owners significant freedom in how they develop and use their land. The county's building department has a reputation for being helpful and responsive, guiding new homeowners through the permitting process rather than creating unnecessary obstacles or bureaucratic nightmares. This property-rights-respecting, business-friendly attitude makes building here more straightforward compared to some Florida counties with overly restrictive regulations.
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Building Your Dream Home - Options For Every Budget
One of this property's greatest advantages is its size and flexible zoning. At 0.63 acres, you have space for a substantial home plus outbuildings, extensive landscaping, and room to truly spread out. Whether you're working with a $50,000 budget or $250,000+, you have viable options for creating your Florida home.
Manufactured Homes ($45,000-$100,000): Modern manufactured homes feature residential-style construction, energy efficiency, and attractive exteriors. A new double-wide (1,400-1,600 square feet, 3 bedrooms, 2 bathrooms) costs $45,000-$75,000 delivered and set up. Upgraded models run $75,000-$100,000. Add $10,000-$18,000 for site preparation and foundation, plus $3,500-$6,000 for well, $5,000-$8,000 for septic, bringing total move-in costs to approximately $65,000-$135,000. Timeline: 60-90 days once permits are approved.
Modular Homes ($90,000-$180,000): Built to Florida Building Code in factory sections, then assembled on-site. A 1,500-2,000 square foot home costs $90,000-$140,000 for structure, plus $18,000-$30,000 for foundation and assembly, plus utilities. Total investment: $115,000-$185,000. Timeline: 3-5 months. Modular homes appreciate like site-built homes and look identical when finished.
Site-Built Homes ($110,000-$300,000+): Traditional construction offers complete customization. Basic quality homes (1,200-1,600 square feet) run $110-$140 per square foot, or $132,000-$225,000 plus utilities and site work. Upscale homes with premium finishes cost $140-$200+ per square foot. Timeline: 7-12 months.
Barndominiums ($70,000-$160,000): Metal buildings converted to living spaces combine durability and efficiency. A 1,800 square foot barndominium costs $50,000-$75,000 for shell, plus $35,000-$65,000 for interior finishing, plus utilities. Total: $95,000-$160,000. The metal exterior requires virtually no maintenance and withstands Florida's climate exceptionally well.
Duplex Investment Opportunity ($140,000-$250,000): Your R-4 zoning permits duplex construction. A basic duplex (2,400-2,800 square feet total) costs $170,000-$250,000 but can generate $1,000-$1,500+ monthly rental income from the second unit, potentially covering your land payment while building equity.
Building Timeline: From land purchase to move-in: 4-6 months for manufactured/modular homes, 5-7 months for barndominiums, or 9-15 months for site-built construction.
Utilities and Infrastructure Costs:
Well System ($3,500-$6,000): Wells typically need to be drilled 100-200 feet deep to reach the Floridan Aquifer. Complete system includes drilling, casing, pump, pressure tank, and basic filtration. Zero monthly water bills forever and unlimited water for all uses.
Septic System ($5,000-$8,000): Marion County's sandy soils are ideal for conventional septic systems. Includes tank, drain field, installation, and permitting. Should last 25-35+ years with minimal maintenance (pumping every 3-5 years, costing $275-$400).
Electric Connection ($500-$2,000): Power is available at the street, making connection straightforward. Monthly bills typically run $120-$280 for an energy-efficient 1,500-2,000 square foot home.
Propane ($0 initial, $500-$1,800 annually): Most rural homes use propane for cooking and hot water. Companies provide tanks for free; you pay only for propane used.
Internet: Starlink satellite internet (about $120/Month) provides excellent high-speed service suitable for streaming, video calls, and remote work. Cellular-based hotspots and fixed wireless are also available.
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The Fort McCoy Lifestyle - Natural Florida Living At Its Finest
Outdoor Recreation Paradise: Living in Fort McCoy means having unlimited access to some of Florida's finest outdoor recreation. The proximity to Ocala National Forest-430,000 acres of protected wilderness-provides recreation opportunities that many Americans only dream about.
Springs and Swimming: The Ocala National Forest contains the highest concentration of first-magnitude freshwater springs on Earth. These crystal-clear springs maintain a constant 72°F year-round. Silver Springs (about 30 minutes) pumps 550+ million gallons daily and offers famous glass-bottom boat tours operating since the 1870S. Juniper Springs features a historic swimming area with sandy beach and iconic millhouse with working waterwheel. Alexander Springs provides fantastic snorkeling in water so clear it resembles liquid glass. Salt Springs offers unique mineral-rich waters. Dozens of other springs lie within 30-60 minutes.
Fishing and Hunting: Marion County is an angler's paradise. Largemouth bass fishing here is world-class with numerous lakes including Lake Kerr, Orange Lake, Lake Ocklawaha, and Deer Back Lake offering excellent opportunities for bass, bluegill, crappie, and catfish. The St. Johns River provides additional fishing plus brackish species. Hunting is excellent in the Ocala National Forest for white-tailed deer, wild turkey, feral hogs, and small game. Spring turkey season and fall deer seasons attract sportsmen from across the state.
Hiking and Trails: The Florida National Scenic Trail runs through the forest, offering day hikes and multi-day backpacking adventures through longleaf pine flatwoods, hardwood hammocks, and past springs. Shorter nature trails at various springs and recreation areas offer easier walks perfect for families. Wildlife viewing is exceptional-white-tailed deer, wild turkeys, gopher tortoises, black bears, bobcats, bald eagles, sandhill cranes, and hundreds of bird species.
Off-Road and Water Sports: The forest contains hundreds of miles of ATV and dirt bike trails. Many residents keep off-road vehicles for weekend adventures. Kayaking and canoeing are extremely popular on spring runs, lakes, and rivers. Kayak fishing has exploded in popularity with anglers accessing quiet backwaters where bass and panfish thrive.
Seasonal Highlights: Spring brings turkey hunting, wildflowers, and comfortable temperatures. Summer is perfect for spring swimming and early morning fishing. Fall offers comfortable weather and beginning of hunting seasons. Winter provides delightful 70°F days perfect for any outdoor activity.
Agriculture and Self-Sufficiency: Your 0.63 acres provides excellent space for gardening, which is possible nearly year-round. Spring/summer crops include tomatoes, peppers, squash, and beans. Fall/winter crops include lettuce, cabbage, broccoli, and strawberries. Citrus trees, blueberries, figs, and pecans produce for decades. Many residents keep chickens for fresh eggs. The lifestyle here supports those wanting to produce their own food and live more connected to the land.
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Why Fort McCoy And Marion County Make Sense For Your Future
Strong Market Fundamentals and Growth: Marion County has experienced robust growth over the past decade, with population increasing approximately 15% between 2010 and 2020. This growth continues, driven by relative affordability compared to coastal Florida, proximity to major employment centers (Ocala, Gainesville, The Villages), excellent quality of life, no state income tax, and increasing numbers of retirees and remote workers choosing the area. Unlike counties experiencing decline, Marion County continues attracting residents, supporting business development, and investing in infrastructure-creating steady property appreciation.
Property Values and Appreciation: Land values in Fort McCoy have shown steady long-term appreciation. Properties with desirable features like your 0.63-Acre parcel-generous size, utilities available, flexible zoning, no HOA restrictions-tend to appreciate most reliably. Your purchase at $37,999 represents excellent value compared to similar lots often listing for $45,000-$65,000+.
No State Income Tax: Florida's lack of state income tax saves substantial money, especially for retirees and high-earning remote workers. Moving from high-tax states like New York, California, or New Jersey can save $5,000-$15,000+ annually. For a couple earning $100,000, that's $6,000-$8,000+ yearly-nearly covering your land payment. Over 20-30 years of retirement, state income tax savings could total $120,000-$240,000+.
Affordable Property Taxes: On raw land assessed at $37,999, annual taxes run approximately $204.66-About $17 monthly. Florida's Save Our Homes amendment caps annual assessment increases at 3% for homesteaded properties. Total property taxes after building might be $1,500-$2,500 annually-far less than many northern states where taxes easily exceed $6,000-$12,000+.
Homestead Exemption: Florida's homestead exemption removes up to $50,000 from assessed value, potentially saving $750-$1,250 annually. Additional exemptions exist for seniors, disabled persons, and veterans.
Strong Rental Market: Marion County has solid rental demand from tourism, horse industry workers, medical professionals, and people relocating. A well-maintained 3-bedroom home might rent for $1,200-$1,800+ monthly. Vacation rentals near Ocala National Forest command higher rates.
Economic Diversity: Marion County's economy spans equine industry ("Horse Capital of the World"), healthcare, retail and tourism, manufacturing and distribution, and agriculture. This diversity provides resilience during economic downturns, supporting steady property values.
Quality of Life: Marion County offers cost of living 8-15% below Florida's average, low crime rates in rural areas, excellent climate with year-round outdoor activities, good healthcare access in Ocala, and exceptional recreation opportunities. Fort McCoy appeals to active retirees wanting land, privacy, and outdoor activities rather than golf communities.
Homesteading Movement: There's been significant cultural shift toward self-sufficiency and rural living. Fort McCoy's affordability, agricultural potential, generous lots, no HOA restrictions, and supportive culture make it ideal for those pursuing self-sufficient lifestyles-growing food, keeping chickens, installing solar, and embracing independence.
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Buying Process - Simple, Fast, And Straightforward
We've streamlined land purchasing 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: Reach out through the contact button on this listing. We'll answer questions about the property, discuss your plans and vision, explain the purchase process, and provide any additional information you need. We're happy to arrange property showings if you're in the area, or we can provide additional photos, videos, drone footage, or virtual tours if you're purchasing from out of state (many of our buyers purchase sight-unseen based on our detailed information and photos).
Step 2 - Choose Your Payment Option:
Cash Purchase ($37,999): If paying cash, we'll prepare the warranty deed and closing documents. You'll wire 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 ($2,500 Down + $500 Doc Fee, then $599/Month for 84 Months): Our owner financing makes land ownership accessible without bank loan hassles. There's no credit check, no complicated application, no employment verification, no bank approval process required. You pay $2,500 down payment plus $500 one-time documentation fee (total $3,000 due at signing), then $599 per month for 84 months (7 years).
The financing is handled through a land contract and promissory note. You take immediate possession of the property and can use it for its intended purpose-planning, clearing, building, or holding for investment. The property remains titled in our name until the contract is fully paid, at which point we provide you with a warranty deed transferring full legal ownership.
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 $2,500 down + $500 doc fee $3,000 total. For cash purchases, this is the full $37,999 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 physical documents if you prefer wet signatures. Everything is written in clear, plain English-no confusing legalese or hidden terms. You'll understand exactly what you're agreeing to.
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 legally yours. For owner financed purchases, once your down payment is processed and contract is signed, you can start visiting the property, planning your build, clearing brush if desired, and enjoying ownership. 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 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 or credit mistakes.
- No Bank Hassles: No waiting weeks for loan approval, no stacks of financial documents, no employment verification hassles, no appraisal requirements, no closing costs beyond our minimal doc fee.
- No Prepayment Penalty: Want to pay off your balance early? Great. You can make extra payments anytime or pay in full without penalty, saving interest charges.
- Immediate Possession: You can start using the property right away-visit it, walk it, plan your build, clear brush, mark your building site, whatever you want. You don't have to wait until it's paid off to enjoy your land.
- Flexible, Affordable Terms: Our 84-month (7-year) term provides affordable monthly payments while building equity in real property that will likely appreciate.
What Happens After Purchase: Once you own the property, it's yours to use within Marion County's regulations. The property will quietly appreciate while you pay it down, and you can begin your building project whenever timing and finances align.
Property Taxes: Under owner financing, you're responsible for paying annual property taxes which are built into your loan. Current taxes are approximately $204.66 annually-about $17 per month or $51 quarterly.. Keeping taxes current is a requirement of our contract, and we'll monitor tax status to protect our interest until the property is paid off and deeded to you.
Title and Ownership: We provide clear, marketable title on all properties we sell. For cash purchases, you receive a warranty deed immediately upon payment. For owner financed purchases, the contract for deed gives you equitable interest and the right to use the property, with legal title transferring via warranty deed once the contract is satisfied through full payment. This is a standard, legally protected ownership structure used throughout the real estate industry for decades.
About H5 Land Ventures: We're a family-owned business dedicated to making land ownership accessible and affordable. We've helped scores of families across Florida, Arizona, New Mexico, Texas, and Nevada achieve their dreams of owning land, and we take pride in providing honest communication, clear terms, responsive service, and ongoing support. 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. We're available to answer questions, provide guidance, and help however we can throughout your ownership and building journey.
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Frequently Asked Questions
Q: Is the property in a flood zone?
A: Based on Fema maps, this property appears to be classified as Zone X (Area of Minimal Flood Hazard), meaning 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, as maps can be updated.
Q: Can I camp or park an RV on the property?
A: Marion County regulations prohibit using RVs or camping on residential properties as permanent dwellings without proper permits. However, you may be able to park an RV temporarily during construction of a permanent home with appropriate temporary use permits. Check with Marion County Code Enforcement for current regulations and any temporary occupancy permits that may be available during the building process.
Q: How long does it take to get utilities installed?
A: Since electric is already at the street, electric connection is relatively quick-typically 2-4 weeks once you have building 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 through the health department. Total timeline for all utilities is usually 4-8 weeks depending on contractor availability and scheduling.
Q: What are Marion County's building requirements?
A: Marion County requires building 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 with tie-downs meeting Florida's hurricane standards. Site-built and modular homes must meet Florida Building Code, which is among the nation's strictest due to hurricane considerations. The county building department is generally helpful in explaining requirements and guiding you through the permitting process.
Q: Are there 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 (setbacks, height limits, etc.), but beyond those reasonable requirements, you have significant freedom in home design, materials, architectural style, and exterior finishes.
Q: What animals can I keep on the property?
A: Marion County zoning regulations govern livestock and animals. Generally, on 0.63 acres in residential zoning, you can keep normal household pets and typically chickens (hens, not roosters) for personal use without special permits. Larger livestock (horses, cattle, goats, pigs) typically requires larger acreage and may require agricultural zoning or special permits. Check with Marion County Zoning Department 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 for the zoning district, road access standards, and other regulations. At 0.63 acres, you might potentially split into two lots if each resulting parcel meets minimum size requirements (typically 0.25-0.33 acres minimum in R-4), has adequate frontage, and meets all other requirements. This would require surveying, platting, and county approval. If you're interested in development/subdivision potential, we recommend contacting Marion County Planning Department for specific guidance.
Q: Is owner financing really no credit check?
A: Yes, absolutely. We don't run credit checks, require credit score minimums, or ask for proof of income. We care about your commitment to making payments and your vision for the property, not your credit score or past financial challenges. Our belief is that everyone deserves the opportunity to own land regardless of past credit issues, medical bills, divorces, or other situations that may have impacted credit scores.
Q: What happens if I can't make a payment?
A: Life happens, and we understand that. If you're going to have difficulty making a payment, contact us immediately-we're often able to work out temporary arrangements, accept partial payments, defer a payment, or otherwise help you through difficult times. Our goal is your success, not foreclosure. However, if payments stop entirely and we cannot reach you or work out a solution, we would eventually need to cancel the contract per its terms and reclaim the property.
Q: Can I pay off the contract early?
A: Yes. There is absolutely no prepayment penalty. You can make extra payments anytime, pay off a large chunk when you have extra money (tax refunds, bonuses, inheritance, etc.), or pay the entire remaining balance whenever you want. Paying early saves you interest charges and gets the property deeded in your name faster. We encourage early payoff when financially feasible.
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 or through international wire transfer, but citizenship status doesn't affect our willingness to provide owner financing. We've successfully worked with buyers from Canada, Europe, Asia, and elsewhere who are investing in Florida property.
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 through various channels, keep our overhead and operating costs low, and price fairly to move inventory while helping more people achieve land ownership. We'd rather sell more properties at fair prices and build long-term relationships than sell fewer properties at inflated prices. Our business model focuses on volume and customer satisfaction rather than extracting maximum profit from each sale.
Q: Is there road access year-round?
A: Yes. NE 232nd Ln is a county-maintained dirt road that provides reliable access. While the road surface is unpaved (typical for rural Florida), it's maintained by the county and passable year-round under normal conditions. During heavy rains, some mud may be present, but you won't be completely cut off. Many rural Florida residents prefer dirt roads for their country character, lower traffic speeds, and reduced noise compared to paved roads.
Q: What's the first step if I want to move forward?
A: Just reach out. Contact us through our website at We'll answer any additional questions, provide more information or photos if helpful, and guide you through our simple, streamlined purchase process. Most buyers go from first contact to ownership in just a few days. Don't let analysis paralysis stop you from pursuing your Florida dream-take that first step today.
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Your Florida Dream Starts Here
This spacious 0.63-Acre lot in Fort McCoy represents far more than just a real estate transaction-it's your opportunity to build the Florida lifestyle you've been dreaming about for years. Whether you're envisioning a comfortable retirement home surrounded by nature, a weekend escape from city stress and congestion, a full-time residence where you can raise your family in safety and health, or an investment property in an appreciating market, this property provides the perfect foundation.
You're not just buying land-you're buying freedom, opportunity, and options. Freedom from HOA restrictions, monthly fees, and nosy neighbors dictating what you can do with your own property. Freedom from the noise, traffic, congestion, and stress of urban living. Freedom to build the home you actually want, on your timeline, without cookie-cutter limitations. Freedom to enjoy Florida's natural beauty, abundant outdoor recreation, and year-round sunshine without sacrificing modern conveniences or breaking your budget.
This is your opportunity to own real property-a tangible asset that doesn't depreciate like vehicles, lose value like most consumer purchases, or disappear like rent payments. Land is real, permanent, and typically appreciates over time while providing a place you can use and enjoy immediately. You can visit your land, walk it, plan your future, clear brush, mark your building site, plant trees, and begin building your dream at your own pace.
At just $37,999 cash or $599 per month with owner financing requiring only $3,000 down, you're making one of the smartest investments possible-buying real Florida property at today's prices before continued appreciation. The Fort McCoy area is growing steadily with new homes being built, property values rising, and demand increasing. By purchasing now, you're locking in today's pricing and positioning yourself to benefit from future growth.
In five or ten years, you'll look back on this decision as one of the best financial and lifestyle moves you ever made. You'll have a comfortable home on land you own outright, surrounded by natural beauty, enjoying outdoor recreation, living affordably, and experiencing the Florida dream that brought you here.
Don't let this opportunity pass you by. Properties offering this combination-more than half an acre, utilities available, flexible zoning, no Hoa, reasonable access, 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? Contact us today to get started. Your Florida dream is closer than you think-it's just one decision away.
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More Land Details
Property Type: Residential Land
Size: 0.63 Acres
Apn: 0051
Annual Taxes: $204.66
Zoning: R-4 Mixed Residential
Access: County-maintained dirt road (NE 232nd Ln)
Power: Available at street
Terrain: Gently sloped with mix of cleared areas and scattered trees
HOA: None
Nearby Attractions:
- Silver Springs State Park - 30 min (26.0 miles)
- Silver River Museum & Environmental Education Center - 41 min (30.2 miles)
- Silver Glen Springs Recreation Area - 33 min (29.8 miles)
- Ray Wayside Park - 31 min (26.5 miles)
- Fort King National Historic Landmark - 40 min (31.7 miles)
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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 33 miles, 30-35 minutes):
- Head northeast on E Silver Springs Blvd/SR-40 East
- Continue on SR-40 E for approximately 15-18 miles
- Turn left onto NE 115th Ave
- Turn right onto NE 130th St
- Turn left onto NE 232nd Ln
- Property will be on your right
From Gainesville (approximately 50 miles, 50-55 minutes):
- Head south on S Main St/US-441 S
- Continue on US-441 S for approximately 35-40 miles
- Turn right onto SR-40 W toward Ocala
- Turn right onto NE 115th Ave
- Turn right onto NE 130th St
- Turn left onto NE 232nd Ln
- Property will be on your right
GPS Coordinates: 29.489082, -81.900017 (Center of Property)
Use GPS coordinates for most accurate navigation to property location.
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