Retire By The River
Ne 233rd Street : Fort Mc Coy, FL 32134
Marion County, Florida
Land Description
Welcome to your opportunity to own a spacious half-acre parcel in Fort McCoy, Florida-where natural beauty, freedom, and affordability come together to create the ideal setting for your Florida dream home. This 0.53-Acre property offers exceptional value with a significant advantage that sets it apart: a power pole already located on the property, potentially saving you thousands in utility connection costs and making your building process faster and more affordable.
Located on NE 233rd St in the heart of Fort McCoy, this residential lot sits just minutes from the legendary Ocala National Forest and a short drive to Ocala's shopping, dining, and medical facilities. Imagine owning more than half an acre where you can build a comfortable family home, establish a peaceful retirement retreat, place a quality manufactured home, or create an investment property in an area experiencing steady growth and increasing demand.
At 0.53 acres, this property provides significantly more space than typical subdivision lots-approximately 23,087 square feet giving you room for a home, detached garage or workshop, landscaping, gardens, privacy buffers, and outdoor living space. Unlike cramped suburban lots where neighbors are practically on top of you, here you'll have real breathing room, natural privacy, and the sounds of nature instead of traffic noise. This is Florida living the way it should be-peaceful, spacious, and wonderfully free.
The property features mixed terrain with scattered trees and cleared areas, offering natural beauty without excessive clearing costs. The combination of open spaces and mature vegetation creates an inviting setting with both usable land and natural shade. The terrain slopes gently, typical of North-Central Florida, with well-draining sandy soils that make foundation work, septic installation, and landscaping straightforward and cost-effective.
The standout feature of this property is the existing power pole on-site. This infrastructure already in place means connecting electricity to your future home will be significantly simpler and less expensive than properties requiring utility line extensions from the street. Depending on your building location, you could save $2,000-$5,000+ compared to properties without existing power infrastructure. You'll still need to install a well for water (typical for rural Florida, providing unlimited fresh water) and a septic system for wastewater (the sandy soils here are ideal for conventional septic systems).
The property is zoned R-4 Mixed Residential, providing excellent flexibility. This zoning allows single-family homes, duplexes, and manufactured homes, meaning 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 for faster construction and lower costs? That works great. Considering a duplex for rental income? The zoning supports that too. You have options.
Best of all, there's no Hoa-No monthly fees, no restrictive covenants, no busybody neighbors dictating paint colors or what you can park in your driveway. This is your land, and you have the freedom to build, landscape, and live exactly as you choose within Marion County's reasonable regulations.
Whether you're looking to escape urban congestion, invest in Florida's growing real estate market, secure a homesite for future retirement, or build your family's permanent residence, this property delivers outstanding value. The location balances rural peace with urban accessibility-quiet enough to enjoy dark starry nights and abundant wildlife, yet just 30 minutes to Ocala for shopping, medical care, dining, and modern conveniences.
We're making land ownership accessible with flexible financing:
Cash Discounted Price: $29,999
Easy Owner Financing Available:
- Down Payment: $500
- Documentation Fee: $450 (one-time)
- Total Due Today: $950
- Monthly Payment: $499/Month for 84 months
- Total if Financed: $42,866 over 7 years
Own more than half an acre of Florida land for just $950 down and $499 per month. No credit checks, no bank hassles, no complicated approval process.
See Info Below:
Property Address: NE 233rd St, Fort McCoy, FL 32134
State: Florida
County: Marion
Zip: 32134
Size: 0.53 acres (approximately 23,087 square feet)
Lot Dimensions: Approximately 140 feet x 165 feet
Parcel/APN: 0051
Legal Description: Section 34, Township 11 South, Range 24 East
GPS Coordinates:
- Center: 29.489400, -81.900000
- NW Corner: 29.489600, -81.900300
- NE Corner: 29.489600, -81.899700
- SE Corner: 29.489200, -81.899600
- SW Corner: 29.489200, -81.900300
Annual Taxes: Approximately $171.34/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: Mixed terrain with scattered trees and cleared areas; power pole on property
Access: NE 233rd St (County-maintained dirt road)
Water: Private well required (typical depth 100-200 feet)
Sewer: Septic system required (permitted through Florida Department of Health - Marion County)
Utilities: Power pole on property (major advantage); 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.
Location And Setting Overview
Your Fort McCoy Homestead: This 0.53-Acre parcel sits in Fort McCoy-one of Marion County's most desirable rural areas for those seeking authentic Old Florida living. Fort McCoy welcomes homeowners and nature lovers who appreciate small-town values, outdoor recreation, and peaceful living. The area features well-maintained homes on spacious lots, creating balance between community and seclusion.
Your property sits on NE 233rd St, a county-maintained dirt road providing reliable access year-round. The neighborhood is experiencing steady development with new homes being built, demonstrating confidence in the area's future. Unlike crowded suburban subdivisions, here you'll have real space-room for privacy, outdoor activities, gardening, and enjoying nature's sounds instead of traffic noise.
Fort McCoy - Gateway to Natural Florida: 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 retains rich pioneer heritage while welcoming newcomers who appreciate outdoor lifestyles.
Fort McCoy proper is home to around 1,000 residents, with the greater area totaling closer to 18,000 people. This sweet spot means you have neighbors and essential services nearby without congestion or noise. The Fort McCoy School serves pre-K through eighth grade, and the community takes pride in 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 paradise for anglers, kayakers, and water lovers. The town's location between 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 at sunset.
Perfect Location - Close to Everything: One of this property's greatest advantages is strategic positioning. You're approximately 15-20 minutes from Fort McCoy's center where you'll find gas stations, convenience stores, the post office, and local restaurants. Ocala-Marion County's hub with over 60,000 residents-sits approximately 33 miles (30-35 minutes) southwest, offering Walmart, Target, Home Depot, Publix, major grocery chains, restaurants, urgent care clinics, HCA Florida Ocala Hospital, and specialized medical services.
Gainesville sits approximately 50 miles (50-55 minutes) north, providing University of Florida sporting events, cultural attractions, and big-city amenities. Orlando sits roughly 80 miles south (1 hour 30 minutes), putting theme parks within easy reach. Jacksonville and its international airport are roughly 90-95 miles northeast (1 hour 45 minutes), also providing access to beautiful Atlantic coast beaches. This positioning means you enjoy peaceful country living yet remain connected to modern conveniences.
Gateway to Adventure: Your Fort McCoy location opens incredible recreational opportunities. The Ocala National Forest stretches east offering pristine wilderness. This is Florida's oldest national forest (established 1908) and remains one of the state's greatest natural treasures. Within the forest you'll find the Florida National Scenic Trail, hundreds of miles of off-road vehicle trails, crystal-clear springs perfect for swimming, and excellent freshwater fishing.
Silver Springs State Park (about 34 minutes) is home to the world's largest artesian spring system. The springs pump 550 million gallons of crystal-clear water daily, creating famous glass-bottom boat tours. The park features kayaking, hiking trails, picnic areas, and wildlife viewing.
Silver River Museum & Environmental Education Center (approximately 39 minutes) provides fascinating exhibits about natural and cultural history. Tuscawilla Art Park (about 42 minutes) combines nature trails with outdoor sculpture gardens. The Canyons Zip Line and Adventure Park (about 43 minutes) offers thrilling zipline courses, while Brick City Adventure Park (about 44 minutes) provides off-road ATV trails.
Climate and Lifestyle: Fort McCoy sits at approximately 60-75 feet elevation with North-Central Florida's humid subtropical climate-hot summers and mild winters perfect for year-round outdoor living. Summer highs typically reach the low-to-mid 90s°F with afternoon thunderstorms providing cooling relief. Winter is delightful-highs in the upper 60s to low 70s°F, lows rarely below the mid-40s to low-50s°F. Hard freezes are uncommon, and snow is virtually unheard of.
Spring arrives early (February-March) with azaleas and wildflowers blooming. Fall brings comfortable temperatures and lower humidity. The region receives about 52 inches of annual rainfall, mostly during summer months, keeping landscapes naturally green. You'll enjoy approximately 230+ sunny days per year-plenty of Florida sunshine for gardens and potentially solar panels.
Neighborhood Character: Fort McCoy attracts retirees seeking affordable Florida living, working families raising children in safe environments, remote workers choosing nature over city life, and investors building properties to meet demand. The neighborhood maintains a relaxed, friendly atmosphere where people wave but respect privacy.
The absence of an HOA means no cookie-cutter restrictions or monthly fees. You can park your boat or RV, plant gardens, and truly make your property yours. This freedom is increasingly rare in Florida's developed areas, making Fort McCoy especially appealing to independent-minded individuals who value personal liberty and property rights.
Building Your Dream Home - Options For Every Budget
One of this property's greatest advantages is its size, existing power infrastructure, and flexible zoning, opening up possibilities that smaller or less-equipped lots cannot provide. At 0.53 acres with a power pole already on-site, you have space for a substantial home plus outbuildings, extensive landscaping, privacy buffers, and room to truly spread out. Whether you're working with a $40,000 budget or $250,000+, you have viable options for creating your Florida home on this generous parcel.
Manufactured Homes - Quality and Affordability Combined ($40,000-$95,000): Modern manufactured homes bear little resemblance to the mobile homes of decades past. Today's manufactured homes feature residential-style construction, energy-efficient designs with excellent insulation and Hvac systems, attractive exteriors that look like traditional houses, and floor plans offering comfort and functionality that rival site-built homes. Your R-4 Mixed Residential zoning allows placement of quality manufactured homes without restrictions beyond normal Marion County permitting requirements.
A basic new double-wide manufactured home (1,200-1,500 square feet, 3 bedrooms, 2 bathrooms) with standard finishes typically costs $40,000-$65,000 delivered and professionally set up on your property. For $65,000-$95,000, you can upgrade to a larger, more luxurious model (1,700-2,100+ square feet, 3-4 bedrooms, 2-3 bathrooms) with premium features including granite or quartz countertops, upgraded cabinetry with soft-close drawers, luxury vinyl plank flooring throughout, garden tubs in master bathrooms, vaulted ceilings in living areas, architectural shingles that look like traditional roofing, and vinyl siding that resembles wood lap siding.
Many modern manufactured homes are specifically designed to aesthetically blend into neighborhoods, featuring front porches with columns, architectural details and trim work, dimensional shingles, and exterior finishes that make them virtually indistinguishable from site-built homes. Multiple reputable manufacturers serve Florida including Clayton Homes, Champion Homes, Skyline Homes, and others with showrooms throughout the state where you can tour model homes and customize floor plans to your preferences.
Installation costs for your 0.53-Acre lot with existing power pole should run approximately $10,000-$18,000 including site preparation (clearing and leveling the building pad, basic grading for drainage), foundation (concrete runners, piers, or full perimeter foundation depending on your preference and budget), professional delivery, setup and leveling using specialized equipment, tie-downs meeting Florida's strict hurricane standards, skirting around the foundation for finished appearance, and steps/porches providing access. Add $3,500-$6,000 for well drilling and complete system installation, $5,000-$8,000 for septic system installation, and just $500-$1,500 for electric connection to the existing power pole (a significant savings), bringing your total move-in cost to approximately $60,000-$130,000 depending on home size, finish level, and site work required.
Major advantages of manufactured homes include remarkable speed of construction-your home can be delivered and ready to occupy within 60-90 days once permits are approved and site work is complete, compared to 8-12+ months for site-built construction. Factory precision means homes are built indoors under strict quality control conditions, not subject to weather delays, material theft, or variable workmanship from different subcontractors. Energy efficiency is excellent-modern manufactured homes meet or exceed Energy Star standards with superior insulation, energy-efficient windows, and properly sized Hvac systems that keep monthly utility bills reasonable. The overall cost is typically 20-40% less than comparable site-built construction.
Many lenders now offer conventional financing for manufactured homes permanently installed on owned land, similar to traditional mortgages, especially when the home is affixed to an approved permanent foundation. This makes financing easier than in the past when manufactured homes were considered personal property rather than real estate.
Modular Homes - Best of Both Worlds ($85,000-$175,000): Modular homes represent an excellent middle ground between manufactured and site-built construction, combining the factory efficiency and quality control of manufactured homes with the building standards and appreciation potential of traditional site-built houses. Like manufactured homes, they're built in sections at a climate-controlled factory, but they're constructed to meet the same Florida Building Code as traditional site-built homes rather than the federal HUD code that governs manufactured homes.
The factory-built modules are transported to your property on flatbed trucks, professionally assembled and secured on a permanent foundation using cranes and specialized equipment, then finished by local contractors who complete roofing, siding, interior trim work, and all utility connections. The end result looks identical to a site-built home-neighbors, appraisers, and even building inspectors cannot tell the difference once construction is complete.
A quality modular home (1,500-2,000 square feet, 3-4 bedrooms, 2-2.5 bathrooms) with standard builder-grade finishes typically costs $85,000-$135,000 for the structure itself purchased from the manufacturer. Add approximately $18,000-$30,000 for site preparation, permanent foundation (concrete block or poured concrete meeting Florida Building Code), professional assembly and crane work, roofing completion and sealing, siding installation and trim work, and final interior finishing including paint touch-ups, trim installation, and fixture mounting.
Include utilities ($3,500-$6,000 for well installation, $5,000-$8,000 for septic system, $500-$1,500 for electric connection to your existing power pole, and $1,500-$3,000 for site work including driveway base), and you're looking at a total investment of roughly $110,000-$180,000 for a complete, move-in-ready home that's indistinguishable from traditional construction.
Modular homes offer several compelling advantages: significantly faster construction timeline than traditional site-built-typically 3-5 months from factory order to move-in versus 8-12+ months for stick-built homes. Consistent, high quality due to factory construction with professional oversight, climate-controlled building conditions, and standardized processes. Ability to customize floor plans, choose finishes, and make modifications to suit your preferences and lifestyle. They're considered real property rather than personal property, they typically appreciate in value similarly to site-built homes, they're easier to finance with conventional mortgages compared to manufactured homes, and insurance companies treat them identically to site-built construction.
The factory construction also means less waste, more efficient use of materials, and often superior energy performance compared to field-built homes where quality can vary significantly between different framers, insulation installers, and other trades.
Site-Built Homes - Traditional Construction ($110,000-$280,000+): If you prefer traditional stick-built construction with unlimited customization options and the satisfaction of building exactly what you envision, your 0.53-Acre lot with existing power pole provides an excellent foundation. Site-built homes require more time and typically cost more than manufactured or modular options, but they offer complete design freedom, the widest range of architectural styles, and the ability to incorporate any features or materials you desire.
For a basic but quality site-built home (1,200-1,600 square feet, 3 bedrooms, 2 bathrooms) with standard builder-grade finishes, expect to budget approximately $110-$140 per square foot for construction, or roughly $132,000-$225,000 depending on exact size. This includes engineered foundation appropriate for Florida soils and building codes, wood or metal framing with hurricane straps and proper bracing, roofing with architectural shingles rated for high winds, exterior finish (vinyl siding, fiber cement, stucco, or brick veneer), interior drywall installation, texture, and paint, flooring throughout (luxury vinyl plank in main areas, carpet in bedrooms, tile in bathrooms), kitchen with stock cabinets and laminate countertops, bathroom fixtures and standard finishes, complete Hvac system properly sized for Florida's climate, complete electrical system with panel and all outlets/switches/fixtures, complete plumbing with fixtures, and builder's profit and overhead.
Add your utilities ($3,500-$6,000 for well with complete pump system, $5,000-$8,000 for septic installation, $500-$1,500 for electric connection to your existing pole), site work ($3,000-$8,000 for clearing building pad, grading for proper drainage, and gravel driveway base), and permitting fees ($1,500-$3,500 depending on project scope), bringing total costs to roughly $145,000-$255,000 for a complete, ready-to-occupy home.
For a larger or more upscale home (1,800-2,500+ square feet) with upgraded features-granite or quartz countertops in kitchen and baths, hardwood or premium tile flooring in main living areas, custom cabinetry with pull-out organizers and soft-close hardware, high-end plumbing fixtures and designer faucets, upgraded lighting packages and ceiling fans, crown molding and decorative trim work throughout, premium Hvac with zoning capability, higher-end appliances, and architectural features like coffered ceilings or custom built-ins-costs typically run $140-$200+ per square foot. A custom 2,000 square foot home with nice finishes might cost $280,000-$400,000+ depending on specific features, materials chosen, and design complexity.
Construction timeline for site-built homes generally runs 7-12 months depending on size, complexity, contractor scheduling, material availability, weather conditions, and permitting. Working with an experienced local builder who knows Marion County's requirements, has established relationships with reliable subcontractors, and maintains good communication throughout the process can help keep everything on schedule and within budget while ensuring quality construction that will last for decades.
Barndominiums/Metal Buildings - Trendy and Practical ($70,000-$160,000): Barndominiums-pre-engineered metal buildings converted into comfortable, stylish living spaces-have exploded in popularity across rural Florida and throughout the South over the past decade. These structures combine exceptional durability, outstanding energy efficiency, extremely low maintenance requirements, and modern aesthetics at costs often significantly below traditional construction. Your 0.53 acres provides ample space for a substantial barndominium with room for integrated workshop areas, equipment storage, or covered parking as part of the overall design.
A basic 1,800 square foot barndominium shell (pre-engineered metal building with insulated walls and roof panels, concrete slab foundation with proper reinforcement, basic electrical rough-in with panel and main circuits, and plumbing stub-outs for future bathroom and kitchen locations) costs approximately $50,000-$75,000 completely erected and weather-tight. This gives you an enclosed, weatherproof structure ready for interior finishing work.
Interior finishing-framing interior partition walls, adding additional insulation where desired, installing drywall throughout and finishing with texture and paint, installing flooring (luxury vinyl plank, tile, stained concrete, or combination), complete kitchen installation with cabinets, countertops, and appliances, bathroom finishing with vanities, toilets, showers/tubs, and tile work, completing electrical system with all outlets, switches, and light fixtures, installing plumbing fixtures and connecting all systems, Hvac installation with ductwork and registers, interior doors and trim work throughout-adds another $40,000-$70,000 depending on finish quality, whether you DIY some work to save money, or hire all labor professionally.
Total project costs including utilities (well, septic, electric connection to your existing pole) typically run $100,000-$165,000 for a complete, comfortable barndominium home ready to move into. The metal exterior requires virtually no maintenance-no painting every few years, no wood rot or termite damage to worry about, no vinyl siding to crack or fade. The building stands up exceptionally well to Florida's humidity, heavy rains, and occasional hurricanes, often performing better than traditional wood-frame construction in severe weather.
Barndominiums can be designed to look rustic with exposed metal and industrial touches, sleek and modern with clean lines and contemporary finishes, or even traditional farmhouse style with board-and-batten exterior panels and country details. The design flexibility is remarkable.
Many barndominium owners particularly praise the open floor plans with high ceilings (often 12-16 feet) creating spacious, airy interiors that feel much larger than the actual square footage, the versatility allowing dedicated workshop or storage areas under the same roof as living space, and the remarkable energy efficiency of properly insulated metal construction with reflective roof panels significantly reducing air conditioning costs-often 30-40% lower than comparable wood-frame homes.
Duplex Investment Opportunity ($145,000-$260,000): Your R-4 Mixed Residential zoning permits duplex construction, opening up an excellent investment opportunity that many property buyers overlook. A duplex consists of two attached residential units sharing a common wall, each with its own separate entrance, complete kitchen, full bathroom(s), and living areas-essentially two homes in one building.
A basic duplex (1,200-1,400 square feet per side, totaling 2,400-2,800 square feet, with each unit featuring 2 bedrooms and 2 bathrooms, standard builder-grade finishes) costs approximately $140-$180 per square foot for total construction, or roughly $170,000-$250,000 complete. While more expensive upfront than building a single-family home of comparable total size, a duplex provides a powerful investment strategy: you can live in one side while renting out the other, using the rental income to help pay your land note, cover property taxes, and build equity simultaneously.
Marion County's rental market is strong and diverse, driven by workers in the equine industry (Ocala is "Horse Capital of the World"), traveling medical professionals working at Ocala's hospitals, people relocating to the area who need temporary housing while building or buying permanent homes, and general housing demand in a steadily growing county with solid employment opportunities. A well-maintained 2-bedroom duplex unit in the Fort McCoy area might rent for $1,000-$1,500+ monthly depending on condition, amenities, and market timing.
If you're living in one side and renting the other for $1,200 monthly, that rental income can cover your $499 land payment plus property taxes with money left over-essentially allowing you to live for free or very low cost while building equity in both the land and the building. Some investors build duplexes, rent both sides, and use the combined rental income ($2,000-$3,000+ monthly from both units) to pay off the property quickly while generating positive cash flow.
Duplexes also provide flexibility for multi-generational living-you could live in one side while aging parents or adult children occupy the other, providing proximity and support while maintaining separate living spaces and privacy. Or use one side as a permanent residence and the other as a vacation rental, personal guest suite, or home office separate from your living quarters.
Building Timeline and Process: Understanding the typical timeline helps you plan realistically and set appropriate expectations. Once you've decided on your building approach and secured financing, the process generally follows these steps:
1. Purchase the land (1-2 days with our streamlined process)
2. Design/plan selection and permits (2-8 weeks depending on complexity; manufactured homes with standardized plans approved quickly; custom site-built homes requiring architectural plans and engineering take longer)
3.Site preparation (1-3 weeks for clearing building pad, installing driveway base, rough grading for drainage)
4. Well installation (1-2 weeks from scheduling to completion including drilling to appropriate depth, installing pump and pressure tank, water quality testing)
5.Septic system installation (1-2 weeks including Florida Department of Health permitting, installation of tank and drain field, final inspection)
6. Foundation/pad preparation (1-3 weeks depending on foundation type-concrete slab, crawl space, or permanent foundation for manufactured home)
7. Home construction or delivery (60-90 days for manufactured/modular; 6-10 months for site-built; 4-6 months for barndominium)
8. Utility connections and final finishes (1-2 weeks for connecting electric, completing final interior details)
9.Final inspections and certificate of occupancy (1-2 weeks for scheduling and completing all required inspections from Marion County)
From land purchase to moving in, you're typically looking at 4-6 months for manufactured or modular homes, 5-7 months for barndominiums with efficient contractors, or 9-15 months for traditional site-built construction. Having clear plans finalized before starting, working with responsive contractors who communicate well, staying organized with permitting, and maintaining realistic expectations helps keep everything moving smoothly.
Utilities and Infrastructure Costs Breakdown:
Well System ($3,500-$6,000 complete): In the Fort McCoy area, residential wells typically need to be drilled 100-200 feet deep to reach the abundant Floridan Aquifer, which provides excellent-quality freshwater throughout North and Central Florida. A complete well system includes drilling to the appropriate depth based on water table levels and aquifer location, installing steel or PVC casing to prevent collapse and contamination, installing a submersible pump sized appropriately for your household needs, installing a pressure tank (typically 40-80 gallon capacity) to maintain consistent water pressure, basic water treatment or filtration if needed based on water quality testing, electrical connection for pump operation, and protective well head covering meeting code requirements.
The water quality from the Floridan Aquifer is typically excellent-clear, clean, and refreshing with natural mineral content-though you may want to add a water softener ($600-$1,800 installed) if you prefer softer water for bathing, laundry, and protecting appliances and fixtures from mineral buildup over time. Some homeowners also add whole-house filtration systems ($800-$2,000) for additional peace of mind, though this is usually optional rather than necessary.
Having your own private well means zero monthly water bills forever, unlimited water for household use without restrictions or conservation mandates, ability to irrigate lawns and gardens freely, water for washing vehicles, filling pools or ponds, and complete independence from municipal water systems with their rising rates, occasional outages, and potential rationing during droughts. The well pump and pressure tank should last 15-25+ years with minimal maintenance beyond occasional inspection.
Septic System ($5,000-$8,000 installed): Marion County's sandy soils with excellent natural drainage are ideal for conventional septic systems-the most affordable, reliable, and time-tested wastewater treatment option for rural properties throughout Florida. A standard septic system for a 3-bedroom home includes a septic tank (typically 1,000-1,250 gallons constructed of durable concrete or heavy-duty plastic), drain field (also called leach field or absorption field) with appropriate length based on soil percolation rates and projected wastewater volume, professional installation including excavation and proper sloping, distribution boxes to evenly distribute effluent, and permitting through the Florida Department of Health which regulates all septic systems statewide.
The system works through natural biological processes-solid waste settles in the tank where bacteria break it down, while liquid effluent flows to the drain field where it percolates through soil layers that naturally filter and purify it before it rejoins the groundwater. When properly maintained, the system should last 25-35+ years or longer with minimal issues.
Maintenance is simple: have the tank pumped every 3-5 years (more frequently for larger families or garbage disposal use) at a cost of $275-$400 per pumping, avoid flushing harsh chemicals or non-biodegradable items that can damage the bacterial ecosystem, and don't plant trees with aggressive root systems directly over the drain field. Unlike city sewer systems that charge $40-$80+ monthly fees that increase annually, your septic system has essentially zero operating costs beyond occasional pumping.
Electric Connection ($500-$1,500): This is where your property's existing power pole provides tremendous value and cost savings. Since there's already a power pole on the property, your connection costs are minimal compared to properties requiring line extensions from distant street connections. You'll typically pay just a service connection fee to the electric utility company, installation of a meter base (the enclosure that holds your electric meter) and weather head (the protective housing where service wires enter), and wire run from the power pole to your home's main electrical panel-potentially just a few hundred feet depending on where you position your house.
If your home is very close to the existing pole location, costs might be under $1,000. If you're building further back on the lot to maximize privacy, you might pay $1,500-$2,000 to run additional wire and possibly set an additional pole. Either way, this is dramatically less than properties without existing power infrastructure where extending lines from the street can easily cost $3,000-$8,000+ depending on distance.
Monthly electric bills in Florida vary widely based on home size, insulation quality, Hvac system efficiency, thermostat settings, and personal usage patterns, but typically run $120-$280 for an energy-efficient 1,500-2,000 square foot home. Homes with excellent insulation, modern efficient Hvac, LED lighting throughout, and energy-efficient appliances stay toward the lower end of that range.
The Fort McCoy Lifestyle - Natural Florida Living
Outdoor Recreation Paradise: Fort McCoy provides access to some of Florida's finest outdoor recreation. The Ocala National Forest's 430,000 acres offer unlimited opportunities.
Springs and Swimming: The forest contains the highest concentration of first-magnitude freshwater springs on Earth. Crystal-clear springs maintain constant 72°F year-round. Silver Springs pumps 550+ million gallons daily. Juniper Springs features beautiful swimming and historic millhouse. Alexander Springs offers fantastic snorkeling. Salt Springs provides unique mineral-rich waters.
Fishing: Marion County is an angler's paradise. Lakes, rivers, and ponds teem with largemouth bass, bluegill, speckled perch, and catfish. The St. Johns River provides additional opportunities. Many residents keep boats, kayaks, or canoes for fishing trips.
Hunting: Ocala National Forest allows hunting for white-tailed deer, wild turkey, feral hogs, and small game. Several Wildlife Management Areas offer additional public lands. Private properties also lease hunting rights.
Hiking and Trails: The Florida National Scenic Trail runs through the forest offering day hikes and backpacking adventures. Shorter trails at springs and recreation areas provide easier walks. Wildlife viewing is excellent-deer, turkeys, gopher tortoises, alligators, bald eagles, and numerous bird species.
Off-Road Adventures: Hundreds of miles of trails for ATVs and dirt bikes. Popular areas include Paisley Woods and trails around springs. Many residents keep off-road vehicles for weekend exploration.
Boating and Paddling: Abundant lakes, rivers, and springs make paddling extremely popular. Kayak fishing has exploded in popularity. Stand-up paddleboarding is common at springs. Spring runs offer beautiful paddling through pristine environments.
Wildlife and Birding: Florida's wildlife diversity is exceptional. White-tailed deer, wild turkeys, sandhill cranes, bald eagles, woodpeckers, wading birds, alligators, and black bears all inhabit the area. Birders can observe 200+ species in Marion County.
Seasonal Highlights: Spring brings turkey hunting and wildflowers. Summer is perfect for spring swimming and fishing. Fall offers comfortable weather for outdoor work and hunting seasons. Winter provides delightful 70°F days for any outdoor activity.
Agriculture and Self-Sufficiency: Many residents embrace homesteading. The climate supports year-round gardening-spring/summer crops (tomatoes, peppers, squash) and fall/winter crops (lettuce, broccoli, collards). Citrus trees, blueberries, figs, and pecans thrive. Many keep chickens for fresh eggs. Your 0.53 acres provides space for extensive gardens, chickens, and self-sufficient living.
Why Fort McCoy Makes Sense For Your Future
Strong Market Fundamentals: Marion County has grown approximately 15% between 2010-2020, outpacing many rural counties. Growth continues driven by affordability, proximity to employment centers, quality of life, no state income tax, and increasing numbers of retirees and remote workers.
Property Values: Land values in Fort McCoy show steady appreciation. Your half-acre parcel with power pole at $29,999 represents excellent value. Comparable lots often list for $35,000-$50,000+, making this an attractive opportunity.
No State Income Tax: Florida's lack of state income tax saves $5,000-$15,000+ annually for many households relocating from high-tax states.
Affordable Property Taxes: Annual taxes of $171.34 (about $14/Month) are extremely affordable. Florida's Save Our Homes amendment caps assessment increases at 3% annually for homesteaded properties.
Homestead Exemption: Standard exemption removes up to $50,000 from assessed value, potentially saving $750-$1,250 annually. Additional exemptions for seniors, disabled, and veterans.
Rental Market: Strong rental demand from tourism, horse industry workers, medical professionals, and relocating families. A 3-bedroom home might rent for $1,200-$1,800+ monthly.
Economic Diversity: Marion County's economy includes the equine industry, healthcare, retail and tourism, manufacturing and distribution, and agriculture-providing resilience.
Quality of Life: Low cost of living (8-15% below state average), low crime rates, excellent climate, good healthcare access, and exceptional outdoor recreation.
Retirement Destination: Fort McCoy appeals to active retirees wanting land, privacy, and outdoor activities. Lower costs mean retirement savings stretch 20-40% further.
Homesteading Movement: Cultural shift toward self-sufficiency makes Fort McCoy ideal. The combination of affordability, agricultural potential, and lack of restrictions supports homesteading lifestyles.
Buying Process - Simple And Fast
We've streamlined land purchasing to be stress-free. Move from decision to ownership in 1-2 days.
Step 1 - Contact Us: Reach out through We'll answer questions, discuss your plans, and explain the process.
Step 2 - Choose Payment Option:
Cash ($29,999): We'll prepare the deed. You wire funds or provide cashier's check. We record the deed in 1-2 days.
Owner Financing ($500 Down + $450 Doc Fee, then $499/Month for 84 Months): No credit check, no complicated application. Pay $950 total due at signing, then $499 monthly for 7 years. Contract for deed gives you immediate possession with deed transferring at payoff.
Step 3 - Make Down Payment: Through our secure system or cashier's check.
Step 4 - Sign Contract: Electronic or physical signatures available.
Step 5 - Enjoy Your Land: For cash purchases, deed records in 1-2 days. For financing, you can start using property immediately after signing.
Our Commitment:
- No Credit Checks
- No Bank Hassles
- No Prepayment Penalty
- Immediate Possession
- Flexible, Affordable Terms
Property Taxes: You pay $171.34 annually directly to Marion County. Bills arrive in fall, due by March 31st.
About H5 Land Ventures: We're a family-owned business helping hundreds of families achieve land ownership. When you buy from us, you're getting a partner committed to your success.
Frequently Asked Questions
Q: Is the property in a flood zone?
A: Based on Fema maps, this property appears to be Zone X (Area of Minimal Flood Hazard)-outside the 500-Year floodplain. Verify with Marion County before purchase.
Q: Can I camp or park an RV on the property?
A: Marion County prohibits RVs/camping as permanent dwellings. Temporary RV parking during construction may be possible with permits. Check with Marion County Code Enforcement.
Q: How long for utilities installation?
A: Electric connection is quick with existing power pole-2-4 weeks. Well drilling: 1-2 weeks. Septic: 1-2 weeks once permitted. Total: 4-8 weeks.
Q: What are building requirements?
A: Marion County requires permits for all habitable structures. Minimum 600+ square feet for primary residences. Manufactured homes must meet HUD code. Site-built must meet Florida Building Code.
Q: Are there restrictions on building?
A: R-4 zoning allows single-family homes, duplexes, and manufactured homes. No HOA restrictions. Follow Marion County codes and zoning regulations.
Q: What animals can I keep?
A: Generally household pets and chickens (hens) for personal use. Larger livestock typically requires larger acreage. Check Marion County Zoning.
Q: Is owner financing really no credit check?
A: Yes, absolutely. No credit checks or income verification. We care about your commitment, not your credit score.
Q: What if I can't make a payment?
A: Contact us immediately. We can often work out arrangements. Our goal is your success.
Q: Can I pay off early?
A: Yes. No prepayment penalty. Pay extra anytime or pay in full to save interest.
Q: How is this priced so affordably?
A: We believe in fair pricing and accessible ownership rather than maximizing profit. We purchase strategically, keep overhead low, and price fairly.
Q: What's the first step?
A: Contact us at We'll guide you through our simple process. Most buyers go from contact to ownership in days.
Your Florida Dream Starts Here
This 0.53-Acre lot represents more than a real estate transaction-it's your opportunity to build the Florida lifestyle you've dreamed about. Whether envisioning a retirement cottage, weekend escape, or full-time family residence, this property provides the perfect foundation.
You're buying freedom-freedom from HOA restrictions, urban congestion, and financial stress. Freedom to build the home you want, enjoy Florida's natural beauty, and live life on your terms.
At just $29,999 cash or $499 per month with only $950 down, you're making a smart investment in real property that typically appreciates over time. The Fort McCoy area is growing with new homes being built and property values rising. By purchasing now, you're locking in today's pricing.
In five or ten years, you'll look back on this decision as one of your best moves. You'll have a comfortable home on land you own, surrounded by nature, enjoying outdoor recreation, and living the Florida dream.
Don't let this opportunity pass. Properties with this combination-power pole on-site, flexible zoning, no Hoa, owner financing-don't last long at this price point.
Ready to make this property yours? Visit or contact us today. Your Florida dream is closer than you think.
More Land Details
Property Type: Residential Land
Size: 0.53 Acres
Apn: 0051
Annual Taxes: $171.34
Zoning: R-4 Mixed Residential
Access: County-maintained dirt road
Power: Pole on property
Terrain: Mixed with scattered trees and cleared areas
HOA: None
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.
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 233rd St
- Property will be on your right
From Palatka (approximately 25 miles, 25-30 minutes):
- Head west on State Road 20
- Turn left onto County Road 315
- Continue and turn right onto NE 233rd St
- Property will be on your left
GPS Coordinates: 29.489400, -81.900000 (Center)
