22649 NE 105TH AVENUE ROAD, FORT MC COY, FL, 32134
Active2 days on marketListed Oct 22, 2026MLS #O6451635
About this home
22649 NE 105TH AVENUE ROAD
CUSTOM FLORIDA LAKE HOUSE CHARM, EXCEPTIONAL CRAFTSMANSHIP, AND PEACEFUL WATERFRONT LIVING ON BEAUTIFUL MILES KALE LAKE! Welcome to the Big Green House, a truly distinctive waterfront retreat where remarkable craftsmanship, warm natural wood finishes, and the timeless beauty of Old Florida come together! Nestled along the shores of spring-fed Miles Kale Lake in Fort McCoy, this beautifully maintained and fully furnished 2-bedroom, 2-bath residence offers an inviting combination of character, spacious living, and thoughtful improvements. Extensively rebuilt and expanded in 2004, the home features updated plumbing, electrical wiring, roof trusses, a standing-seam metal roof, and Hardie board exterior siding. Step inside and immediately appreciate the soaring vaulted ceilings, abundant natural light, and beautiful tongue-and-groove woodwork that create an atmosphere unlike anything you'll find in an ordinary subdivision. The spacious great room provides a wonderful gathering place for family and friends, while the open kitchen features stainless steel appliances, a gas range, generous cabinetry and counter space, a center island with breakfast seating, and an adjoining dining area. Both bathrooms reflect the exceptional cleanliness and care evident throughout the home. Step outside onto the spacious screened waterfront porch, where mornings begin with coffee overlooking the lake and evenings invite you to relax while enjoying the peaceful surroundings and abundant wildlife. According to the longtime owners, Miles Kale Lake is a natural spring-fed lake with a sandy bottom, gradual shoreline slope, and areas of deeper water, offering an inviting setting for fishing, kayaking, boating, and water-sports. With relatively little boat traffic reported by the owners, the lake provides a peaceful escape from the hustle and bustle of everyday life. Accessed from NE 105th Avenue Road, a quiet dirt road, the property offers a peaceful setting away from busy streets. Offered furnished, including appliances and household essentials, this property is ready for its next chapter! Previously used as a vacation rental, the Big Green House has welcomed paying guests, including repeat visitors who have returned to enjoy this special waterfront setting. Selected rental reservation and payment documentation is available for review, providing additional information for buyers interested in exploring continued vacation rental use, subject to applicable regulations. Whether you're searching for a full-time waterfront residence, a seasonal winter retreat, a family gathering place, or a weekend getaway, this beautiful Florida lake house offers something truly special. Conveniently located within reach of Silver Springs State Park, the Ocala National Forest, the World Equestrian Center, and Historic Downtown Ocala, you'll enjoy access to some of North Central Florida's finest outdoor recreation, dining, and entertainment. The neighboring Brown Cottage and an additional wooded waterfront parcel are also offered individually, or purchase all three adjoining properties together as a unique waterfront package. BEAUTIFUL WOODWORK, VAULTED CEILINGS, EXCEPTIONAL CONDITION, FURNISHED INTERIORS, AND PEACEFUL LAKE VIEWS—COME EXPERIENCE THE BIG GREEN HOUSE AND DISCOVER THE OLD FLORIDA WATERFRONT LIFESTYLE!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,272
Sqft
0.79 ac
Lot size
1952
Year built
One
Levels
$267
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.
$2,879 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,879/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
$267 vs $197
Days on market
2 vs 53 typical
Where $267/sqft sits among the 52 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
$240K → $120K
Fort Mc Coy median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
20 of 52
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 530% 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 22649 NE 105TH AVENUE ROAD
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$159,500
23205 NE 110TH AVENUE
3 bd · 2 ba · 1,286 sqft · $124/sqft · 0 DOM
Sold · May ’26$119,000
22045 NE 106TH AVENUE
3 bd · 1 ba · 1,312 sqft · $91/sqft · 8 DOM
Sold · Jul ’26$243,000
23191 NE 112TH COURT ROAD
2 bd · 1 ba · 1,060 sqft · $229/sqft · 3 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 22649 NE 105TH AVENUE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22649 NE 105TH AVENUE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22649 NE 105TH AVENUE ROAD FAQs
What would the monthly payment be for 22649 NE 105TH AVENUE ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,879/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 22649 NE 105TH AVENUE ROAD?+
The most recent tax bill on record (2025) was $2,812. 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 $340,000, this home is listed about 105% above the Fort Mc Coy median of $166,000. The market section on this page shows how the area is trending.
Which schools are assigned to 22649 NE 105TH AVENUE ROAD?+
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
$340,000 runs 530% above the FORT MC COY 32134 median — but at 1,272 sqft it's also 35% larger than the typical Fort Mc Coy listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 2 days on market in a Fort Mc Coy market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX 200 REALTY · Tom Langmann. MLS #O6451635.
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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