22645 NE 105TH AVENUE ROAD, FORT MC COY, FL, 32134
Active2 days on marketListed Oct 22, 2026MLS #O6451643
About this home
22645 NE 105TH AVENUE ROAD
DISCOVER THE TIMELESS CHARM OF OLD FLORIDA WATERFRONT LIVING ON BEAUTIFUL MILES KALE LAKE! Welcome to the Brown Cottage, a delightful furnished lakefront retreat where warm tongue-and-groove woodwork, peaceful water views, and generations of family memories create a truly special atmosphere. Nestled along the shoreline of spring-fed Miles Kale Lake in Fort McCoy, this charming 1-bedroom, 1-bath cottage offers an inviting escape from the hustle and bustle of everyday life. Step inside and experience the character of a classic Florida lake house, featuring beautiful wood ceilings, a comfortable living area, a spacious family room, and a welcoming kitchen and dining area. The screened porch provides a wonderful place to enjoy morning coffee, refreshing lake breezes, and relaxing evenings overlooking the water. Outside, the property's wooden dock offers a place to enjoy the lake, cast a fishing line, or simply take in the peaceful surroundings. According to the longtime owners, Miles Kale Lake is a natural spring-fed lake with a sandy bottom, gradually sloping shoreline, and relatively little boat traffic, making it an inviting setting for kayaking, fishing, and waterfront recreation. The cottage is offered furnished with household essentials, with the dining room furniture excluded from the sale. An attached laundry shed adds everyday convenience. Previously enjoyed by paying vacation guests, including repeat visitors, the property offers an opportunity for buyers interested in exploring continued vacation rental use, subject to applicable regulations. Situated along NE 105th Avenue Road, a quiet dirt road, this waterfront property offers a peaceful rural setting with frontage along the roadway. The existing driveway is shared with the neighboring Green House parcel; separate driveway access may be possible, with legal access documentation currently being reviewed. Conveniently located within reach of Silver Springs State Park, the Ocala National Forest, and Historic Downtown Ocala, the cottage offers opportunities to enjoy the natural beauty and outdoor recreation of North Central Florida. The neighboring Big Green House and an additional wooded waterfront parcel are also available individually, or purchase all three adjoining properties together as a unique waterfront family retreat. WHETHER YOU'RE LOOKING FOR A WEEKEND ESCAPE, SEASONAL GETAWAY, FULL-TIME RESIDENCE, OR A SPECIAL PLACE TO MAKE NEW FAMILY MEMORIES, THE BROWN COTTAGE INVITES YOU TO EXPERIENCE THE SIMPLE PLEASURES OF LIFE ON THE LAKE!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
874
Sqft
0.68 ac
Lot size
1952
Year built
One
Levels
$269
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.
$2,019 /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
$2,019/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
$269 vs $197
Days on market
2 vs 53 typical
Where $269/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 335% 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 22645 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 · Mar ’26$40,000
22425 NE 105TH AVENUE ROAD
3 bd · 2 ba · 854 sqft · $47/sqft · 0 DOM
Sold · Dec ’25$140,000
23213 NE 111TH COURT
2 bd · 2 ba · 918 sqft · $153/sqft · 87 DOM
Sold · Nov ’25$20,000
11151 NE 235TH STREET
3 bd · 1 ba · 814 sqft · $25/sqft · 26 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22645 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 22645 NE 105TH AVENUE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22645 NE 105TH AVENUE ROAD FAQs
What would the monthly payment be for 22645 NE 105TH AVENUE ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,019/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 22645 NE 105TH AVENUE ROAD?+
The most recent tax bill on record (2025) was $1,702. 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 $235,000, this home is listed about 42% 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 22645 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
$235,000 runs 335% above the FORT MC COY 32134 median.
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 #O6451643.
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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