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16520 NE 42ND AVENUE, Citra, FL, 32113

4beds
2baths
2,280sqft
$195,000
$86price/sqft
$1,546/moest. monthly cost
$61,840/yrincome needed

About This Home

NO HOA! Metal Roof (2021) & Brand-New AC! Welcome to peaceful country living in Citra! This spacious 4-bedroom, 2-bath home offers approximately 2,280 square feet of comfortable living space and sits on a private, fully fenced lot of nearly an acre. The thoughtfully designed split-bedroom floor plan features formal living and dining areas, plus a large great room highlighted by a beautiful wood-burning fireplace. The oversized eat-in kitchen is perfect for gathering and entertaining, offering abundant cabinet space, a center island, pantry, and convenient bar area. The primary suite provides a relaxing retreat with a garden tub, separate shower, walk-in closet, and an additional flex space ideal for a home office, nursery, or sitting area. Recent improvements include a metal roof installed in 2021, brand-new AC system, updated HVAC ductwork, fresh interior paint, updated light fixtures, and newer flooring. Additional features include inside laundry, well and septic, water softener, and no HOA restrictions. Enjoy the privacy and tranquility of rural Marion County while still being conveniently located near Ocala, Gainesville, and major highways. Outdoor enthusiasts will appreciate the property's proximity to numerous lakes and recreational waterways, including Orange Lake, Lake Kerr, Little Orange Lake, Newnans Lake, and the Ocklawaha River, offering opportunities for boating, fishing, kayaking, and nature exploration. Whether you're looking for room to grow, space for hobbies, or simply a quiet place to call home, this property offers the perfect blend of comfort, convenience, and country charm!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
Fort McCoy SchoolGrades PK-86.6 mi
2/10
North Marion High SchoolGrades 9-125.1 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Crawlspace
  • Roof: Metal
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Range,Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Open Floorplan,Split Bedroom
  • Flooring: Luxury Vinyl,Vinyl
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,280
  • Total interior livable area: 2,280 sqft

Kitchen

  • Level: First
  • Area: 144
  • Dimensions: 12x12

Living Room

  • Level: First
  • Area: 324
  • Dimensions: 18x18

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 168
  • Dimensions: 12x14

Property

Details

  • Parcel number: 0751002031
  • Zoning: R4
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Other

Lot

  • Lot size: 0.90 Acres
  • Lot size dimensions: 150 x 150

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hurricane
Lightning
Wildfire
Cold Wave
Inland Flooding
Strong Wind
Tornado

FEMA Declared Disasters in Marion County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $986$11,832
Home Insurance *$98$1,176
Property Taxes $233$2,796
Electricity $229$2,753
Total$1,546$18,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,005/yr
40% on housing$46,380/yr
45% on housing$41,226/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 16.1%
16.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.6%
5.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$86This listing

vs Other Active Listings

Avg $/sqft

ZIP 32113$205
Marion County$208

vs Homes Sold Last Month

Median $/sqft

ZIP 32113$187
Marion County$168

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-11Price change$190,000
2026-08-01Price change$195,000
2026-07-09Price change$199,999
2026-06-30Price change$204,000
2026-06-17Listed for sale$209,000
2022-05-03Sold$177,000
2022-03-07Pending sale$178,900
2022-03-04Price change$178,900
2021-12-03Pending sale$185,000
2021-09-27Listed for sale$185,000
2009-12-09Sold$40,000
2006-02-23Sold$15,000
2005-05-06Sold$4,000

For Sale by Agent

AgentAubrey Owens
BrokerageALL FLORIDA HOMES REALTY LLC

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