12146 E HIGHWAY 318, FORT MC COY, FL, 32134
Active641 days on marketListed Oct 22, 2024MLS #OM687683
About this home
12146 E HIGHWAY 318
39 acres of old school Florida property located on Highway 318 road frontage in beautiful Orange Springs including pasture lands, large grand oaks, tall pines, palm trees, a small pond and more. The property has two houses; one has been completely renovated and is move-in ready. It includes 2 bedrooms, 2 bathrooms and 736 living square feet under heat and air. There is an enclosed 160 sf front porch that leads into the home. Upon entering you will see an open floor plan with cathedral ceilings, laminate flooring and an updated kitchen with stainless steel appliances and eat in the kitchen area. Main bedroom has laminate flooring as well as the main bathroom including shower, storage closet and single vanity. Guest bedroom also includes laminate flooring and leads to the guest bathroom with a new steel tub and tiled shower surround. Back room is 96 sf and includes connections for washer and dryer and additional space for storage. The additional house, which was built in 1948 with 754 sf, 2 bedrooms and 1 bathroom, could be restored and/or used for storage/workshop. Property also includes a 26'x22' pole barn with metal roof and an additional 26'x13' storage metal building. The property is surrounded by numerous lakes and waterways nearby, so if you are a fisherman, or hunter or simply love hiking, canoeing or kayaking, you are in luck! Minutes to Ocklawaha River, Ocala National Forest, and many clear, natural springs (Salt Springs, Silver Glen Springs, Juniper Springs) where horseback and walking trails, and off-road vehicle trails await your explorations. Also within minutes to Ocala World Equestrian Center or Gainesville, home of the national championship Gators of the University of Florida. One-of-a-kind property with its unique location!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
736
Sqft
39.08 ac
Lot size
1948
Year built
One
Levels
$842
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,183 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,183/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs NON SUB
$842 vs $267
Days on market
641 vs 50 typical
Where $842/sqft sits among the 11 homes for sale in NON SUB
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
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Mc Coy market
$199K → $119K
Fort Mc Coy median sold, yr/yr
91.3%
Sale-to-list ratio (12 mo)
8 of 11
NON SUB have cut their price
Median sold price, Fort Mc Coy, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 997% above the FORT MC COY 32134 median. See the full Fort Mc Coy market guide →
Paper trail
This home's history
Reality check
What actually sold near 12146 E HIGHWAY 318
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$70,000
1210 SE 174TH AVENUE · same community
2 bd · 2 ba · 912 sqft · $77/sqft · 497 DOM
Sold · Nov ’25$130,000
1029 NE 24TH STREET · same community
3 bd · 1 ba · 1,014 sqft · $128/sqft · 109 DOM
Sold · Sep ’25$260,000
4645 NE 159TH PLACE · same community
2 bd · 1 ba · 1,022 sqft · $254/sqft · 7 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12146 E HIGHWAY 318 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12146 E HIGHWAY 318 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12146 E HIGHWAY 318 FAQs
What would the monthly payment be for 12146 E HIGHWAY 318?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,183/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 12146 E HIGHWAY 318?+
The most recent tax bill on record (2023) was $5,338. 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 $620,000, this home is listed about 259% 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 12146 E HIGHWAY 318?+
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
Four things that matter here
01Positioned at the premium end
$620,000 runs 997% above the FORT MC COY 32134 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
641 days on market against a Fort Mc Coy median of 50 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $690,000, now $620,000 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROUNTREE REALTY CORP. · Duke Rountree. MLS #OM687683.
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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