Sumatra Estates, Silver Springs Shores, Ocala, Florida

At a glance

Site size

About 99 acres

Master plan

519 homes approved overall, 269 houses and 250 townhomes

Owner of record

Camila Homes

Where

Silver Springs Shores, unincorporated Marion County

Site status

Clearing and grading underway since early 2026

Water and sewer

Central county water and sewer

Approved amenities

Clubhouse, pool and playground

Open space

About 46 acres across the master plan

Homes in this phase

Not yet established Get notified

Street names

Not yet recorded Get notified

Pricing

Not yet released Get notified

Builder

Not yet announced Get notified

Details on this page are compiled from public entitlement records and are targets, not commitments. Pricing, floor plans, home counts, and timing have not been released by the builder and are subject to change without notice.

Two names, one project

Start here, because it explains why this community is hard to find. The most recent approvals call it Sumatra Estates. The county's older and more numerous records call it Camila Estates, specifically Camila Estates Phase 2. They are the same project on the same parcel. The site-work permit makes the link explicit, carrying one name as the project and the other as the site description.

This matters practically. If you are trying to track the project through county records yourself, searching one name finds roughly a fifth of the file and searching the other finds the rest. The records also spell the owner's name two different ways across phases, with one and two letter L's, which is enough to make an exact-match search come back empty. If you have hit a dead end looking this project up, that is probably why rather than because nothing is there.

We title this page with the name on the current approvals, and we are flagging the older one prominently rather than burying it, because for the next year or two both will be in circulation.

What has been approved, and what has not

The rezoning, approved in early 2022, covers 519 homes across the whole development: 269 single-family houses and 250 townhomes, with about forty-six acres of open space and an approved clubhouse, pool and playground. That is the master-plan figure spanning both phases of the project. How many homes sit in this phase specifically is not something the records establish, and rather than divide one number by a guess we will leave it open and update it when a plat records.

The amenity package is worth calibrating your expectations against. A clubhouse of roughly three thousand square feet with a pool and a playground is a sensible, modest provision for a community of this size. It is not a resort amenity programme with a lazy river and a fitness centre, and the monthly dues should reflect that in your favour. Set against it, the forty-six acres of open space is a genuinely generous share of a ninety-nine acre site.

Site work is authorised and happening. The construction permit for the earthworks was issued in the autumn of 2025 by the regional water management district and modified in the spring of 2026. What the county has approved on its side is a preliminary plat and a conditional sign-off on the improvement plans, which is a step short of a final permit, and its own mass grading plan is still pending resubmission. That is a normal sequencing muddle rather than a problem, and the district permit is the one that actually authorises moving dirt.

What has not happened: no final plat has recorded, which means the individual lots do not legally exist yet. No building permit has been issued for any house. No street names are on record, so we cannot tell you what road you would live on. And no builder has been announced.

On the ground, satellite imagery tells a clear story. The parcel was fully vegetated through the whole of 2025. From early 2026 it began to open up, and by midsummer roughly half the site had been stripped. We checked this against the same months in earlier years so that seasonal pasture changes could not be mistaken for construction, and against the neighbouring parcels so that the school site next door could not be counted by accident. The clearing started about five months after the permit was issued, which is a reasonably brisk pace for a project of this size.

Who is behind it, honestly

This is the genuine unknown and it would be dishonest to paper over it. The land is owned by a company called Camila Homes, which also holds the site-work permit in its own name. So Camila Homes is the owner of record and the applicant. What it is not, as far as the record shows, is a homebuilder with a track record here. It is a small company formed in 2021, registered to an Orlando address rather than a Marion County one, and it holds exactly one permit across the entire regional permit database. The original rezoning was obtained by a different party altogether, a long-established Marion County land development company with two earlier local subdivisions behind it.

That configuration has two normal explanations and we cannot tell which applies. One is that Camila Homes intends to develop and build the community itself. The other, and commoner in Florida, is that it is a land company that will take the site through approvals and earthworks and then sell finished lots to a production homebuilder, who will arrive with the brand, the floor plans and the sales office. Either way the houses get built and sold; the difference is who you end up signing a contract with, and what warranty sits behind it.

Why tell you this at all? Because it changes what the next twelve months look like. If a national builder takes this over, expect a marketing launch, a model home and published pricing within a reasonably predictable window. If the owner builds it itself, expect a slower and quieter rollout with lots released in small batches. The earlier phase of this same development sat at an approved-but-idle stage for a long stretch, so patience is warranted, though the current pace of clearing is running ahead of what that history would have predicted. Subdiview is not affiliated with, endorsed by, or sponsored by Camila Homes. Camila Homes and its community names are trademarks of their respective owners and are used here for identification only. All community information is compiled from public records and is subject to change.

It is not in the City of Ocala, and that matters

Your mail would say Ocala. The land is not in Ocala. It sits in unincorporated Marion County, in Silver Springs Shores, and it is outside the county's urban growth boundary. We checked this rather than assumed it, because a postal city is not a jurisdiction, and every street segment and parcel record in the area agrees.

Three practical consequences. Your tax bill carries no city levy, which is money saved, but it does carry county municipal service levies for law enforcement and for fire and emergency services instead. Your water and sewer come from the county utility rather than the city's, which is a different provider with different rates and a different connection process. And your permits, inspections and code questions go to the county, not to city hall. None of that is bad. It is simply different from what an Ocala address implies, and it is the sort of thing people discover after closing.

Why this land is getting sewer when its neighbours are not

This is the most useful thing on the page and no sales brochure will ever carry it. The parcel sits inside the primary protection zone for Silver Springs, one of the largest artesian spring systems in the world and the centrepiece of the state park a few miles north. Nitrogen loading from septic tanks is the principal documented threat to the spring, and inside that protection zone new development at this density is effectively pushed onto central sewer rather than septic systems.

Which is why this development was committed to central county water and sewer at the rezoning stage. Now hold that next to the surrounding neighbourhood. Silver Springs Shores is a very large platted subdivision from the mid-twentieth century, mostly built out on individual wells and septic tanks, and Marion County is part-way through a multi-phase programme to convert those lots to sewer. In the project areas covered so far, well over a thousand of roughly two thousand lots were still on septic tanks. Those conversions land on existing homeowners as assessments and connection charges, and they are not small.

So the honest comparison for a buyer looking at this area is not simply new versus older and cheaper. A resale home a few streets away may come with a septic system that needs replacing, a future mandatory sewer connection, or both. A new home here arrives on sewer from day one, with no drainfield to fail, no pump-outs, and no exposure to a conversion assessment. That is a genuine and quantifiable advantage, and it is the strongest argument for this location that nobody is making.

Location and what is actually nearby

Silver Springs Shores sits south-east of Ocala off the Maricamp Road corridor, which is the main route back into the city. Ocala itself is the centre of Florida's horse country, and that is not a marketing line: the county genuinely has more horse farms than anywhere comparable in the country, and the World Equestrian Center on the west side of the city has become one of the largest equestrian venues anywhere, which has reshaped the local economy and the restaurant scene with it.

Two neighbours matter more than anything in the wider area. A new Marion County middle school is under construction on the parcel immediately to the north-west, which is unusually good news for a community of young families and unusually under-publicised. And the eastern boundary abuts state-owned Cross Florida Greenway land in the Marshall Swamp area. That is the old barge canal corridor, now a protected linear park running most of the way across the peninsula, with trails for walking, cycling and riding. A permanently protected public edge is about the best neighbour a subdivision can have, because it cannot become anything else later.

Beyond that, Silver Springs State Park and its glass-bottom boats are a short drive north, the Ocklawaha River and Ocala National Forest are east, and I-75 runs down the west side of the city connecting Gainesville in one direction and Orlando and Tampa roughly ninety minutes to a couple of hours in the others. A county bus route serves the Silver Springs Shores area, which is more than most Florida suburbs can say. The honest limitation is that this is a car-dependent part of a car-dependent county, and everyday shopping means a drive back toward the Maricamp corridor or into Ocala.

What it will cost beyond the mortgage

Property tax. The base rate here works out at about 15.61 mills, which is roughly 15.61 dollars per thousand dollars of taxable value, combining the county rates adopted in September 2026 with the school and water management district levies. Because this is unincorporated there is no city line, but the county municipal service levies for law enforcement and for fire and emergency services are in that figure. One item we could not resolve and will not pretend to: a special tax district covering Silver Springs Shores levies a further three mills, and whether it reaches this particular parcel could not be confirmed because the relevant county record was unavailable. Budget for the possibility and ask before you sign. Florida's homestead exemption, set statewide by Florida law and the state constitution rather than by any county, shelters 51,411 dollars of assessed value on a primary residence.

Community development district fees. We could not locate a district for this project, and the distinction between that and there being none is worth stating. Three independent sources came up empty, but no authoritative county list of the districts that levy assessments here was reachable, so the accurate statement is none located rather than none exists. It also cannot be ruled out from a property tax record, because a Florida district assessment is not an ad-valorem tax and never appears in a tax code at all. Districts are usually created at or before platting and this plat has not recorded, so this is a live question, not a settled one. Put it in writing.

Insurance, and this is the good news. Inland Marion County is one of the cheapest places to insure a house in Florida. The state insurance regulator put the average Marion County homeowners premium including wind at about 2,191 dollars, on data as of the end of March 2026. For scale, the same data puts Broward at about 6,136, Miami-Dade at about 5,975 and Monroe at about 7,863. Being seventy-odd miles from either coast is worth several thousand dollars a year, every year, and it is the single most underrated financial argument for buying in this part of Florida. A new home with a current-code roof usually prices below even that county average.

Flood. About twelve percent of the site is mapped inside the special flood hazard area, with the remaining eighty-eight percent mapped outside as minimal hazard. That inside share corresponds closely to roughly fifteen acres of mapped forested wetland within the parcel, which is also the part least likely to carry houses. Which specific lots are affected cannot be known until a plat records, so if flood insurance cost matters to you, ask for the flood determination and the elevation certificate on your particular lot. One methodological note worth passing on: the county's own flood layer returned nothing at all for this parcel and also returned nothing at a known floodplain test point, so it was not answering correctly. The figures above come from the federal flood map instead. A negative from a layer that is silently broken is how pages end up publishing falsehoods.

Flood claim history, in context. Marion County has recorded about 250 federal flood insurance claims in total since the programme began, totalling roughly six million dollars. That is about five hundredths of one percent of Florida's total, for a county of nearly four hundred thousand people. Two measures of concentration, labelled separately because they differ: the single month of September 2017 accounts for about 23.6 percent of those claims, while the 2017 calendar year as a whole accounts for about 25.6 percent. For the current year, four claims have been recorded through the data freeze. Inland Florida floods, but it floods in a different league from the coast.

Water, sewer and power. Central county water and sewer, committed at the rezoning, for the reasons set out above. Electricity is supplied by the regional investor-owned utility.

Schools

Marion County Public Schools serves the entire county, so the district is certain, and the new middle school going up next door is a concrete and welcome development. The specific attendance zones are a different matter and we will not guess at them. Zones are assigned by address, no plat has recorded, no addresses exist, and naming a school for a lot that does not legally exist yet is the most damaging error a page like this can make. Once an address is issued, run it through the district's own lookup, and if a particular school is driving your decision, make it a written condition.

Buying new construction with someone on your side

Whenever a builder does arrive here, the person at the sales desk in its model home will work for the builder. They are usually helpful and entirely pleasant, and they are also paid to represent the party across the table from you. You are entitled to your own representation, and on new construction it generally costs you nothing extra, because builders budget for a buyer's agent whether or not you bring one.

The timing is what catches people. Most builders will only recognise your agent if that agent is named from your first visit or first registration. On a community at this stage that moment has not arrived for anybody yet, which is genuinely the best position to be in: there is no sales office to walk into alone and accidentally give away your representation.

There is also a specific list of questions this particular project deserves in writing before anyone signs anything: who is actually building the house and what warranty stands behind it, whether a development district has been created, whether the Silver Springs Shores special tax district applies, and where the lot sits relative to the mapped wetland and flood area. A pre-construction contract is not a resale contract, and on a project where the eventual builder is still unknown, those answers are worth more than any upgrade allowance.

Questions