2853 NE 104TH TERRACE, SILVER SPRINGS, FL, 34488
Active144 days on marketListed May 20, 2026MLS #O6409716
About this home
2853 NE 104TH TERRACE
Welcome to an incredible opportunity in the highly desirable 55+ waterfront community of Wilderness RV Resort, where peaceful nature, resort-style amenities, and true Old Florida charm come together beautifully. The deeded lot is offered at $90,000, or purchase the lot together with the beautifully maintained Heartland Bighorn 3575EL fifth wheel RV for $175,000. This gives buyers the flexibility to bring their own qualifying RV or choose the complete package and begin enjoying the Wilderness lifestyle from day one. This exceptional property offers one of the most private and serene settings in the community, backing directly to untouched wooded land and creating the feeling of camping deep within the natural beauty of the Ocala National Forest. Surrounded by nature and abundant wildlife, the setting is peaceful, secluded, and increasingly difficult to find. The outdoor living space has been thoughtfully designed for enjoying Florida year-round, featuring a decorative paver firepit perfect for cool evenings under the stars, a spacious wood deck overlooking the wooded backdrop, and a gazebo with TV where you can relax, watch the game, entertain friends, or simply enjoy the quiet surroundings. A storage shed with electric provides additional space for tools, outdoor equipment, and golf cart accessories. Currently the only available lot on the wooded side of the resort, this property presents a rare opportunity for buyers who value privacy and tranquility. Wilderness RV Resort residents enjoy an impressive collection of amenities including a sparkling swimming pool, clubhouse, pavilion, fitness center with free weights and exercise equipment, dry and steam saunas, laundry facilities, and scenic golf cart trails winding along the beautiful Ocklawaha River. Just outside the gated entrance, enjoy a popular local diner serving breakfast and lunch along with the nostalgic MoonPie General Store. Adventure is close by at world-famous Silver Springs State Park, where crystal-clear water, kayaking, glass-bottom boats, wildlife, and some of Florida's most spectacular natural scenery await. When you're ready for an evening out, historic downtown Ocala offers excellent dining, entertainment, the beautifully restored Marion Theatre, Brick City Southern Kitchen & Whiskey Bar, Ivy on the Square, Harry's Seafood Bar & Grille, Mark's Prime Steakhouse, and much more. Whether you're searching for a winter getaway, a full-time Florida lifestyle, or your own peaceful retreat surrounded by nature, this exceptional Wilderness property delivers a rare combination of privacy, recreation, amenities, and location. Lot only: $90,000. Lot with Heartland Bighorn 3575EL fifth wheel RV: $175,000.
Facts & features
The home at a glance
0.07 ac
Lot size
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 and the real association fee — not generic estimates.
$1,022 /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
$1,022/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.
Where it sits
Inside Silver Springs
Get to know Silver Springs. See the full Silver Springs guide →
SILVER SPRINGS 34488 — neighborhood snapshot
Population
11,525
Median age
45.8
Median income
$45,239
Median home value
$75,300
Avg household
2.27
Households w/ children
1,214
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Silver Springs market
$148K → $204K
Silver Springs median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
Median sold price, Silver Springs, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the SILVER SPRINGS 34488 median. See the full Silver Springs market guide →
Paper trail
This home's history
Reality check
What actually sold near 2853 NE 104TH TERRACE
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$90,000
3146 NE 103RD AVENUE
1 bd · 1 ba · 485 sqft · $186/sqft · 717 DOM
Sold · Mar ’26$132,000
3100 NE 104TH TERRACE
1 bd · 1 ba · 504 sqft · $262/sqft · 29 DOM
Sold · Dec ’25$85,000
11570 NE 19TH STREET
2 bd · 2 ba · 1,050 sqft · $81/sqft · 9 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2853 NE 104TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2853 NE 104TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2853 NE 104TH TERRACE FAQs
What would the monthly payment be for 2853 NE 104TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,022/mo — principal and interest, the actual property-tax bill, the $229/mo association fee 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.
How much are the HOA fees at 2853 NE 104TH TERRACE?+
The association fee works out to $229 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2853 NE 104TH TERRACE?+
The most recent tax bill on record (2025) was $755. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2853 NE 104TH TERRACE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Silver Springs?+
At $90,000, this home is listed about 54% below the Silver Springs median of $194,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2853 NE 104TH TERRACE?+
East Marion Elementary School (elementary), Fort McCoy School (elementary), Lake Weir 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
01Under the SILVER SPRINGS 34488 market on paper
$90,000 is 10% below the SILVER SPRINGS 34488 median of $99,900.
02Time on market is leverage
144 days on market against a Silver Springs median of 70 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $175,000, now $90,000 — a $85K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX 200 REALTY · Tom Langmann. MLS #O6409716.
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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