Nature Lovers Dream
Ne 232nd Lane : Fort McCoy, FL 32134
Marion County, Florida
Lot Description
rennial fruits), chicken coops, composting areas, storage for tools and equipment, and still have room for your home and yard. The lifestyle here supports those wanting to produce some of their own food, live more connected to natural cycles, and reduce dependence on commercial supply chains.
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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-Significantly outpacing many rural Florida counties. This growth continues, driven by multiple factors: relative affordability compared to coastal Florida where median home prices often exceed $400,000-$500,000, proximity to major employment centers (Ocala, Gainesville, The Villages), excellent quality of life combining outdoor recreation with modern conveniences, no state income tax saving thousands annually for many households, and increasing numbers of retirees and remote workers choosing the area.
Unlike some rural counties experiencing population decline and economic stagnation, Marion County continues attracting new residents, supporting new business development, and investing in infrastructure improvements. This steady growth creates upward pressure on property values while maintaining the rural character and natural beauty that make the area desirable. Communities experiencing controlled, sustainable growth rather than stagnant decline or explosive development typically see the most reliable long-term property appreciation.
Property Values and Appreciation Potential: Land values in Fort McCoy and surrounding Marion County have shown steady long-term appreciation. While real estate markets experience cycles, the fundamental factors driving demand-Florida's ongoing population growth, limited developable land near recreational amenities like the Ocala National Forest, increasing desire for rural/suburban living accelerated by the pandemic, and strong regional economy-remain robust.
Properties with desirable features like your 0.63-Acre parcel-generous size, utilities available, reasonable access, flexible zoning, no HOA restrictions, and proximity to Ocala National Forest-tend to appreciate most reliably over time. Cleared or partially cleared lots command premiums over heavily wooded parcels requiring expensive clearing. Larger lots (half-acre+) appeal to buyers seeking space, privacy, and development flexibility that smaller subdivision lots cannot provide.
Your purchase at $37,999 cash or $599/Month represents excellent value. Comparable 0.5-0.75 acre lots in Fort McCoy with similar features often list for $45,000-$65,000+, making this an attractive opportunity to lock in today's pricing before continued appreciation. Land you purchase today for under $40,000 might reasonably be worth $50,000-$70,000+ in 5-10 years based on historical trends and current market dynamics, while providing utility and enjoyment throughout your ownership.
No State Income Tax - Substantial Savings: Florida's lack of state income tax represents a huge financial advantage, especially for retirees living on pensions and investment income or high-earning remote workers. If you're relocating from high-tax states like New York (state income tax up to 10.9%), California (up to 13.3%), New Jersey (up to 10.75%), Illinois (4.95%), Massachusetts (5%), or others, the tax savings can be substantial-easily $5,000-$15,000+ annually for many households.
For a couple earning $100,000 annually, moving from New York might save $6,000-$8,000+ in state income taxes. That's $500-$665+ monthly-nearly covering your land payment. Over 20-30 years of retirement, state income tax savings could total $120,000-$240,000+ that stays in your pocket rather than going to the state. For many relocating retirees and remote workers, Florida's tax structure alone justifies the move.
Affordable Property Taxes with Constitutional Protections: Marion County's property tax rates are quite reasonable compared to many Florida counties and especially compared to high-tax states up north. On raw land assessed at $37,999, annual property taxes run approximately $204.66-About $17 monthly. That's extremely affordable for more than half an acre.
Even after building a home, Florida's Save Our Homes amendment (in the state constitution) caps annual assessment increases at 3% for homesteaded properties, providing long-term tax predictability and protection against rapidly escalating tax bills. This constitutional protection means your property taxes remain manageable and predictable rather than doubling or tripling over a decade as happens in some states.
Total annual property taxes (land + home) for a modest 1,500-1,800 square foot home might be $1,500-$2,500 depending on assessed value-far less than many northern states where property taxes easily exceed $6,000-$12,000+ on similar properties. Lower property taxes mean more money available for enjoying life, saving for retirement, or investing in improvements to your property.
Homestead Exemption - Additional Savings: Florida offers generous homestead exemptions for primary residences. The standard homestead exemption removes up to $50,000 from your home's assessed value for property tax purposes (with $25,000 applying to all property taxes and an additional $25,000 applying to non-school taxes). For a home assessed at $150,000, this exemption might save $750-$1,250 annually-substantial savings that compound over years of ownership.
Additional exemptions are available for seniors (65+), disabled persons, veterans with service-connected disabilities, and other qualifying groups, potentially saving even more. These exemptions make Florida homeownership especially attractive and affordable for retirees and veterans.
Strong Rental Market and Investment Potential: If you're considering this property as an investment, Marion County has a strong, diverse rental market driven by multiple demand sources: tourism related to Ocala/Silver Springs attractions and Ocala National Forest recreation, traveling workers in the horse industry (Ocala is "Horse Capital of the World"), medical professionals at Ocala's hospitals, people relocating to the area who need temporary housing while building or buying, and general housing demand in a growing county with employment opportunities.
While raw land doesn't generate rental income, once you build a home, rental demand is solid. A well-maintained 3-bedroom home in Fort McCoy might rent for $1,200-$1,800+ monthly depending on size, condition, and amenities. Vacation rentals near the Ocala National Forest and springs can command higher nightly rates during peak seasons. The rental market provides options for investors seeking income-producing properties or owner-occupants who might eventually move but want to keep the property as a rental.
Economic Diversity and Stability: Marion County's economy is healthily diversified across several strong sectors, reducing vulnerability to downturns in any single industry:
Equine Industry: Marion County is internationally known as the "Horse Capital of the World" with over 1,200 horse farms breeding, training, and caring for thoroughbreds, standardbreds, quarter horses, and other breeds. This industry generates substantial employment in farm management, veterinary services, feed and supply businesses, training, and related sectors.
Healthcare: Multiple hospitals, medical centers, and healthcare facilities make healthcare a major employment sector. HCA Florida Ocala Hospital, Advent Health Ocala, and other facilities employ thousands.
Retail and Tourism: Silver Springs State Park, Ocala National Forest, World Equestrian Center (one of the world's largest equestrian facilities opened in recent years), and other attractions generate tourism revenue and employment in hospitality, retail, restaurants, and recreation.
Manufacturing and Distribution: Marion County has attracted significant manufacturing and distribution facilities due to its central Florida location, reasonable costs, and business-friendly environment. Companies in automotive, food processing, and other sectors operate here.
Agriculture: Beyond horses, Marion County has substantial agriculture including cattle ranching, row crops, and timber.
This economic diversity means the local economy doesn't depend on a single industry, providing resilience during economic downturns. Job growth has been steady, supporting population growth and housing demand that benefits property values.
Quality of Life Rankings and Affordability: Marion County consistently ranks well on quality of life measures when considering the full package-cost of living, climate, outdoor recreation, safety, healthcare access, and community character. The area offers cost of living approximately 8-15% below Florida's average and significantly below national averages for comparable amenities and climate.
Crime rates in Fort McCoy and rural Marion County remain well below state and national averages, providing peace of mind for families and retirees. The small-town atmosphere with low traffic, minimal congestion, and friendly community feel contrasts sharply with urban stress and chaos. The climate is excellent-warm but not overwhelmingly hot year-round, with distinct but mild seasons. Healthcare access is good with multiple hospitals in Ocala plus specialty providers. The outdoor recreation opportunities are truly exceptional and difficult to replicate elsewhere in the country.
Retirement Destination Excellence: Florida remains one of America's premier retirement destinations, and Marion County has emerged as increasingly popular with retirees seeking alternatives to expensive coastal areas or age-restricted retirement communities. Fort McCoy specifically appeals to active retirees who want land, privacy, outdoor activities, and independence rather than golf courses, clubhouses, and HOA fees.
The combination of no state income tax, affordable property taxes, lower cost of living, mild climate allowing year-round outdoor enjoyment, excellent healthcare access in nearby Ocala, and abundant recreational opportunities makes retirement here attractive and financially sustainable. Many retirees find their retirement savings stretch 20-40% further here compared to high-cost states or expensive coastal Florida counties.
The strategy of buying land now while still working, then building a retirement home over several years as finances allow, is common and smart. Our owner financing makes this approach accessible even for those who might not qualify for traditional construction loans or who prefer preserving savings rather than paying all cash.
Homesteading and Self-Sufficiency Movement: There's been a significant cultural shift in recent years toward self-sufficiency, homesteading, resilience, and rural living. The Covid pandemic and supply chain disruptions accelerated this trend as people reevaluated priorities and decided they wanted more space, more connection to land and nature, and less dependence on complex, fragile systems.
Fort McCoy's combination of affordability, agricultural potential, generous lot sizes, lack of HOA restrictions, and supportive rural culture makes it ideal for those pursuing more self-sufficient lifestyles. Whether you want to grow substantial food gardens, keep chickens or other small livestock, harvest rainwater, install solar panels, maintain equipment and tools, or simply have space to store supplies and be prepared, Fort McCoy supports these lifestyle choices in ways increasingly restricted suburban areas prohibit.
The local culture respects independence, self-reliance, preparedness, and traditional skills, making newcomers with these values feel welcome rather than like oddities. You'll find neighbors who garden, hunt, fish, raise chickens, preserve food, and embrace similar values.
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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 our website at 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 contract for deed (land contract). 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. You pay annual property taxes directly to Marion County, keeping costs transparent and under your control.
Step 3 - Make Your Down Payment: Once you've decided to move forward, make your down payment through our secure online payment system or by cashier's check. For owner financing, this is $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. If you're planning to build immediately, we're happy to provide guidance on the permitting process, recommend contractors and service providers we've worked with successfully, and share our experience helping other buyers build in the area. If you're holding the property as an investment or planning to build in coming years, that's perfectly fine too-there's no timeline pressure or requirement to develop immediately. 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 directly to Marion County Tax Collector. Current taxes are approximately $204.66 annually-about $17 per month or $51 quarterly. The county will send you a tax bill each fall (typically in October/November), with payment due by March 31st of the following year to avoid penalties and interest. 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 hundreds 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? Visit or 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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Contact Information:
H5 Land Ventures, Llc
Website:
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.
Lot Maps & Attachments
Directions to Lot
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.
