Cash · Marion County, FL

850 SW 2nd StreetOcala, FL 34471 · APN 2846-066-000

$13,000 Cash, as-is

A 40 × 105 vacant infill lot four blocks off downtown Ocala, with city water, city sewer and power already at the street — a house stood here until it was demolished in 1996 under permit OC01863. It sits in FEMA Zone A, so it builds elevated; the lot next door did exactly that in 2026.

What’s on it now

850 SW 2nd St seen head-on from the sidewalk: a level, overgrown grass lot with scrub and a palm clump, mature oaks behind, and a single-story blue house on the left boundary. — Street-level views of the parcel, looking south from SW 2nd Street. Imagery supplied by the seller’s representative; date not verified.

Wider view along SW 2nd Street showing the lot between the blue house to the west and a metal-roofed building to the east, with the sidewalk running across the frontage. — Street-level views of the parcel, looking south from SW 2nd Street. Imagery supplied by the seller’s representative; date not verified.

Level, cleared of structures, and currently overgrown — tall grass, dense scrub, a few volunteer trees mid-lot and a large cabbage-palm clump toward the east line. Mature live oaks with Spanish moss run the back. A low wood fence marks the west line against the single-story home at 826, and a concrete sidewalk runs the full frontage. No structures, no debris: a day with a mulcher and it’s a pad.

Parcel Record

Parcel / APN: 2846-066-000Prime key 1237301
Lot dimensions: 40′ × 105′4,200 sq ft · 0.10 acre
Zoning: R-2City of Ocala, two-family residential district
Utilities: City / CityWater, sewer and power at the street
Annual taxes: $147.092026 · millage group 1001, Ocala MSTU
County just value: $6,960Up from $4,698 in 2023
Legal description: Mitchell’s AddOcala Revised, Lot 66 · Plat Book A, Page 090 · Sec 18, Twp 15, Rge 22
Improvements: NoneCleared lot, no structures
Flood zone: Zone A — SFHAFEMA FIRM panel 12083C0517E, effective 4/19/2017. See disclosure below.

Buildable Envelope

What fits on it

Roughly 1,680 sq ft of footprint after setbacks — the R-2 coverage cap lands on the same number. A narrow two-story is the product this lot wants.
Setbacks are 20′ front, 15′ rear and 8′ each side, per Ocala Code §122-286.

Zoning — read this before you make an offer

Single-family, under the lot-of-record rule

R-2 normally wants 7,000 sq ft and 70′ of width for a single-family home. This lot is 4,200 sq ft and 40′ wide, so it builds under Ocala Code §122-249, “existing lots of record” — which waives lot area and width for a single-family dwelling on a lot platted before July 20, 1965 that abuts at least 40 feet of street. Mitchell’s Addition is an original Ocala plat, and the frontage is exactly 40 feet.

Two conditions attach: the owner may not own adjoining property, and all required yards must still be provided. County records show the current owner holds no lot touching this one.

This is not marketed as a duplex lot. A two-family dwelling is a permitted use in R-2, but the dimensional table asks for 10,000 sq ft and 100′ of width. Getting there would take a variance or the assembly of two more Mitchell’s Addition lots.

Verify it yourself in two days — Ocala Planning & Zoning, 352-629-8404 or zoning@ocalafl.gov, answers written zoning determinations through their Ask A Planner form. Buyer performs their own due diligence; every figure here comes from public county records.

Flood zone — the honest version

FEMA Zone A · Special Flood Hazard Area

This lot is inside a mapped Special Flood Hazard Area, FEMA Zone A, on the current effective FIRM panel 12083C0517E (effective 19 April 2017). Verified against both the City of Ocala flood layer and FEMA’s own National Flood Hazard Layer. The front, middle and rear of the parcel all fall inside it.

Zone A, not AE, which means FEMA published no Base Flood Elevation for this area — there is no number to look up on the FIRM. The City of Ocala’s own flood study does carry a BFE of 70 ft (NGVD29) for this basin, so the figure exists locally, but establishing grade will take a surveyor and an elevation certificate.

Practically, for a buyer: the lowest floor must be elevated to or above BFE plus Ocala’s freeboard, an elevation certificate is part of permitting, and flood insurance is required with any federally-backed mortgage. Budget the stem wall or fill before you budget anything else.

It is being built on anyway. 902 SW 2nd St, two doors down, is also mapped Zone A. It changed hands in 2024 and a 2,036 sq ft home was completed on it in 2026. This is a known, solved condition on this street — it is priced in, not hidden.

The asking price reflects an as-is lot with this condition disclosed up front. Verify it yourself: FEMA’s Map Service Center, or Ocala Growth Management at 352-629-8287 for the local floodplain construction requirements.

The block is already building

826 SW 2ndNext door. Identical 0.10-acre lot with a house on it, $81,020 of improvement value. Traded 2023.

902 SW 2ndAdjacent. Changed hands in 2024 and a 2,036 sq ft home was completed on it in 2026.

728 SW 2ndSame block. New construction just finished, now assessed at $147,900.

908 SW 2ndTwo doors down. A builder has held the identical vacant 0.10-acre lot since 2022.

Recent vacant-lot sales nearby

Address	Size	Closed	Price
714 NW 9th St	0.10 ac	Aug 2024	$26,000
1621 SW 5th St	0.14 ac	Nov 2024	$25,000
420 SW 11th Ave	0.17 ac	Jul 2026	$16,000
1722 NW 1st St	0.09 ac	Mar 2026	$13,800
534 NW 2nd St	0.15 ac	Apr 2026	$12,500
1022 NW 1st St	0.09 ac	Jan 2026	$11,500
1322 SW 2nd St	0.09 ac	Jan 2025	$10,000

Highlighted rows are the two same-size sales closest in date. Sale prices and qualification flags as recorded by the Marion County Property Appraiser. Flood status varies parcel to parcel across this corridor and has not been individually verified for every sale above — the one parcel on this block confirmed to be in the same Zone A mapping is 902 SW 2nd St, which was built on in 2026. Its own 2024 transfer was flagged unqualified by the appraiser, so it is not carried here as a price comparable.

One question

How fast can you close?

Cash only, and closing runs through our title agent. I won’t ask you to walk me through your plans for the lot — you know your build costs and your timeline better than I do, and that part is yours to run. The one thing I do need in writing is that you’ve read the flood-zone section above. A line back in a text covers it.

Next step

Call or text with your number and your close date.

Call (786) 426-0184 Text your close date

Ferron Hartshorn · Licensed Florida real estate agent. Ferron is not the owner of record of this lot and is not acting as your agent in this transaction. The terms on which the lot transfers are disclosed in full to any buyer who reaches out.