Eric Chery
$189,0002 bd1 ba1,020 sqft$185 /sqft$1,400 /mo all-in ↓

16490 E HIGHWAY 316, FORT MC COY, FL, 32134

Active2 days on marketListed Jul 30, 2026MLS #OM729218

Single Family ResidenceHILL TOP SITES

About this home

16490 E HIGHWAY 316

Classic Country Home Bordering the Ocala National Forest 16490 E Hwy 316, Fort McCoy, FL 32134 Welcome to "Hilltop Campsites," a unique property with a rich history and an unbeatable location. Situated on .92 fully fenced acres, this charming country home borders the Ocala National Forest along its eastern property line, offering privacy, abundant wildlife, and direct access to one of Florida's most treasured outdoor destinations. Originally built in 1965, this home reflects the quality craftsmanship of its era while offering numerous updates throughout the years. The spacious floor plan features a warm and inviting dining/sitting room highlighted by a beautiful fireplace that can be enjoyed as either gas or wood-burning, making it the perfect gathering place for family and friends. The kitchen was remodeled in 2022 with beautiful solid oak cabinetry, laminate wood flooring, and abundant cabinet and countertop space. Additional improvements include updated electrical and plumbing, extra insulation in both the attic and floor joists by Suncoast, and an HVAC system replaced approximately eight years ago. The home also includes an attached laundry room, attached carport, welcoming front porch, and wheelchair-accessible front ramp. This property truly shines outdoors. The expansive yard provides plenty of room for gardening, entertaining, pets, or recreational vehicles. A front-yard sprinkler system helps maintain the landscaping, while the chain-link fence completely surrounds the property. Storage and workspace are exceptional with: Attached carport Additional vehicle carport 12' x 30' RV/boat carport with electricity 10' x 20' brick workshop with water, sink, and electricity 16' x 18' metal workshop 12' x 31' building featuring a finished room with electricity, bathroom, laundry hookups, and attached storage shed Additional features include two wells (2" and 4"), two septic systems (one replaced approximately three years ago), and two water heaters, providing flexibility for a variety of uses. Outdoor recreation begins just beyond your backyard. The property borders the Ocala National Forest, offering immediate access to thousands of acres for hiking, wildlife viewing, horseback riding, and hunting. Located only one mile from both the East and West Ocklawaha River public boat ramps, you'll enjoy quick access to outstanding bass fishing, boating, kayaking, canoeing, and airboat adventures. Nearby attractions include Rodman Reservoir, the Cross Florida Greenway, and the crystal-clear waters of Salt Springs, Silver Glen Springs, Juniper Springs, and Alexander Springs. Downtown Fort McCoy is only minutes away for groceries, restaurants, hardware, pharmacy, fuel, and everyday conveniences, while Silver Springs and Ocala provide expanded shopping, dining, and entertainment. Whether you're looking for a full-time residence, hunting or fishing camp, weekend retreat, or a property with room for all your boats, RVs, and hobbies, Hilltop Campsites offers a rare opportunity to enjoy classic country living in one of North Central Florida's premier outdoor recreation areas. Schedule your private showing today and discover everything this exceptional property has to offer.

Facts & features

The home at a glance

2

Bedrooms

1

Bathrooms

1,020

Sqft

0.92 ac

Lot size

1965

Year built

One

Levels

$185

Per sqft

FireplaceTrees/Woods view

Inside

FlooringCarpet · Laminate
AppliancesDryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Solid Wood Cabinets · Thermostat · Window Treatments
LaundryOther · Outside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionWood Frame · Wood Siding
FoundationCrawlspace · Pillar/Post/Pier
ViewTrees/Woods
FacesNorth
ExteriorStorage

Community & fees

Taxes (2025)$530/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,400 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,113
FHA mortgage insurance (est.)$84
Property tax — 2025 actual bill$44
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,615Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,615
Interest rate6.00%
Loan term

Estimated payment

$1,400/mo

Principal & interest$1,113
FHA mortgage insurance (est.)$84
Property taxes (actual bill)$44
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $189K
$78KedgeAI estimate $112,579 · range $81K$225K$234K

vs edgeAI estimate

+67.9%

$/sqft vs Fort Mc Coy actives

$185 vs $206

Days on market

2 vs 50 typical

Where $185/sqft sits among the 60 Fort Mc Coy actives

13
14 · this home
11
14
5
3
$87–141$141–195$195–249$249–304$304–358$358+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Fort Mc Coy

Map of 16490 E HIGHWAY 316

Get to know Fort Mc Coy. See the full Fort Mc Coy guide →

FORT MC COY 32134 — neighborhood snapshot

Population

7,400

Median age

55

Median income

$46,429

Median home value

$145,500

Avg household

2.3

Households w/ children

570

For the school run

Marion County School District

ElementaryFort McCoy School★★★★
HighNorth Marion High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Fort Mc Coy market

Seller’s marketLeans buyer9.4 months of inventoryBuyer’s market

$199K$119K

Fort Mc Coy median sold, yr/yr

91.3%

Sale-to-list ratio (12 mo)

24 of 60

Fort Mc Coy actives have cut their price

Median sold price, Fort Mc Coy, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 235% above the FORT MC COY 32134 median. See the full Fort Mc Coy market guide →

Paper trail

This home's history

Jul 30, 2026Listed at $189,000 · 2 days on market since
1965Built · HILL TOP SITES

Reality check

What actually sold near 16490 E HIGHWAY 316

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

16274 NE 153RD LANESold · Jul ’26

$425,000

16274 NE 153RD LANE

3 bd · 2.5 ba · 1,754 sqft · $242/sqft · 10 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 16490 E HIGHWAY 316 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16490 E HIGHWAY 316 — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

16490 E HIGHWAY 316 FAQs

What would the monthly payment be for 16490 E HIGHWAY 316?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,400/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 16490 E HIGHWAY 316?+

The most recent tax bill on record (2025) was $530. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Fort Mc Coy?+

At $189,000, this home is listed about 10% above the Fort Mc Coy median of $172,500. The market section on this page shows how the area is trending.

Which schools are assigned to 16490 E HIGHWAY 316?+

Fort McCoy School (elementary), North Marion High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$189,000 runs 235% above the FORT MC COY 32134 median.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 2 days on market in a Fort Mc Coy market that averages 50 — if it fits, move quickly.

Listing courtesy of ROUNTREE REALTY CORP. · Duke Rountree. MLS #OM729218.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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