16490 E Highway 316, photo 1
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Overview

2 bd1 ba1,020 sqftSingle Family
TypeSingle Family
HOANone listed
Built1965
Lot40,075 sqft
Living area1,020 sqft
Price / sqft$185

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Solid Wood CabinetsThermostatWindow TreatmentsStorageDryerMicrowaveRange

16490 E Highway 316 is a 1965-built home in Hill Top Sites, Fort MC Coy. Inside you'll find 2 bedrooms, 1 bathrooms, and 1,020 square feet of living space. Listed at $189,000 (about $185/sqft), 27 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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.

The essentials

Built
1965
Price / sqft
$185
On market
71 days
Annual tax
$530
Flood zone
X · Low risk
Lot
40,075 sqft
Type
Single Family Residence

At a glance

Single family
Built 1965
0.92 acres
Lot size
1,020 sqft
Living area

Payment

Est. monthly payment
$1,125/mo
Down payment (20%)
$37,800
Property taxes
$44/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1965
Lot
40,075 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
71
Ceiling Fans(s)
Solid Wood Cabinets
Thermostat
Window Treatments
Storage
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Fort McCoy School (K-8)
Middle
Ft McCoy Middle
High
North Marion High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$530
Parcel #
10249-002-00

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Hill Top Sites
County
Marion
MLS Area
32134 - Fort Mc Coy/Salt Springs
Lot Size
40,075 sqft
Cleared

Price history

Date
Event
Price
7/30/2026
Price change
Source: Stellar MLS #OM729218
$189,000+2.2%
$185/sqft
7/30/2026
Listed for sale
Source: Stellar MLS #OM729218
$185,000
$181/sqft

Neighborhood

16490 E Highway 316
Fort MC Coy, FL, 32134 · 32134 - Fort Mc Coy/Salt Springs

Market insights

Offer Insights

Choose an offer strength

List price: $189,000
$177,500 – $189,000
94.1% – 100% of listTops out right at the list price
80% of listList price
44 of the last 86 home closings in 32134 landed at this number or higher (51%). The median one sat 45 days before it went under contract, and this one is on day 71.

Sample: 86 closed home sales in 32134 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,124/mo
Principal & interest$986
Property taxes$44
Insurance$95
Down payment20% · $37,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$189,000

$185 per sq ft

Beds and baths

2 beds, 1 baths

Size

1,020 sq ft

Time on market

71 days

Year built

1965

Monthly payment

About $1,125/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $530 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byROUNTREE REALTY CORP.Listing agent: Duke RountreeListing data from Stellar MLS, MLS# OM729218.

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