21220 E HIGHWAY 316, FORT MC COY, FL, 32134
Active82 days on marketListed May 4, 2026MLS #OM723981
About this home
21220 E HIGHWAY 316
Lake Kerr Canal Home with OHV Access – 21220 E Hwy 316, Salt Springs, FL 32134 2 Bedrooms | 1.5 Bathrooms | 912 Sq Ft | .19 Acre | Updated | Forest Access Welcome to this affordable waterfront getaway located on a canal leading to Lake Kerr, right in the heart of Salt Springs and the Ocala National Forest. Situated on a .19-acre lot on a paved road, this property offers the perfect combination of outdoor recreation, convenience, and peaceful living. Directly across the street, you’ll find Ocala National Forest access with miles of OHV trails, making this an ideal home for ATV/UTV enthusiasts, hunters, and nature lovers. The 1970 mobile home features 2 bedrooms, 1.5 bathrooms, and 912 sq ft of living space. Inside, you’ll find laminate flooring throughout and an updated kitchen with stainless steel appliances, creating a clean and modern feel. Major systems have been improved, including an HVAC system less than 5 years old and a new hot water heater (2025). Step outside to a 12’x16’ covered wood deck, perfect for relaxing or entertaining while overlooking the fenced backyard. A 12’x10’ storage shed provides additional space for tools, equipment, or outdoor gear. The property sits on a canal that leads to Lake Kerr (currently dry due to drought conditions). Lake Kerr is a 2,800-acre spring-fed lake, the second largest in Marion County, known for excellent fishing, boating, and water recreation. It also connects to Little Lake Kerr (Lake Werner) for expanded exploration. Located in the heart of the Ocala National Forest, you’re just minutes from the Salt Springs Recreation Area, Lake George, and the St. Johns River, offering endless opportunities for fishing, boating, kayaking, hiking, horseback riding, and off-road adventures. Conveniently located near local shopping, dining, and essentials, and only 30 minutes to Ocala or Palatka. This is a great opportunity for a weekend retreat, rental, or full-time residence in one of Florida’s premier outdoor destinations. Schedule your private showing today! Ask about Seller Financing Terms
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
912
Sqft
0.19 ac
Lot size
1970
Year built
One
Levels
$98
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.
$864 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$864/mo
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.
$/sqft vs Fort Mc Coy actives
$98 vs $207
Days on market
82 vs 50 typical
Where $98/sqft sits among the 59 Fort Mc Coy actives
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)
23 of 59
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 58% 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 21220 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.
Sold · Feb ’26$112,000
20356 NE 143RD STREET
2 bd · 2 ba · 924 sqft · $121/sqft · 38 DOM
Sold · Mar ’26$75,000
13668 NE 226TH AVENUE ROAD
2 bd · 1 ba · 864 sqft · $87/sqft · 37 DOM
Sold · Apr ’26$230,000
21260 & 21280 NE 146TH PLACE
2 bd · 2 ba · 1,056 sqft · $218/sqft · 117 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 21220 E HIGHWAY 316 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21220 E HIGHWAY 316 — 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
21220 E HIGHWAY 316 FAQs
What would the monthly payment be for 21220 E HIGHWAY 316?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $864/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 21220 E HIGHWAY 316?+
The most recent tax bill on record (2025) was $1,647. 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 $89,500, this home is listed about 48% below 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 21220 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
$89,500 runs 58% 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.
03The price has already moved
Listed at $100,000, now $89,500 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ROUNTREE REALTY CORP. · Duke Rountree. MLS #OM723981.
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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