
22649 & 22645 & Land NE 105TH AVENUE ROAD, FORT MC COY, FL, 32134
Active2 days on marketListed Oct 22, 2026MLS #O6451985
About this home
22649 & 22645 & Land NE 105TH AVENUE ROAD
RARE OPPORTUNITY! THREE ADJOINING WATERFRONT PARCELS WITH APPROXIMATELY 300 FEET OF COMBINED LAKE FRONTAGE ON BEAUTIFUL MILES KALE LAKE! TWO FURNISHED FLORIDA LAKE HOUSES, A WOODED WATERFRONT LOT, A WOODEN DOCK, AND A CONCRETE BOAT RAMP—ALL FOR $610,000! Discover the timeless charm of Old Florida in peaceful Fort McCoy! Enjoy towering oak trees draped in Spanish moss, picturesque lake views, spacious waterfront lawns, and inviting outdoor gathering areas. Imagine peaceful mornings beside the water, afternoons exploring the lake, and evenings under the stars surrounded by the sights and sounds of nature. Owned by the same family for generations, these three adjoining parcels present a wonderful opportunity for a private family compound, vacation retreat, or potential rental investment. THE BIG GREEN HOUSE features 2 bedrooms, 2 bathrooms, soaring vaulted ceilings, beautiful tongue-and-groove woodwork, abundant natural light, and large windows overlooking the lake. The spacious great room opens to a welcoming kitchen with stainless steel appliances, gas range, center island, and dining area. Relax on the screened waterfront porch while enjoying peaceful lake views. Extensively rebuilt and expanded in 2004, the home features updated plumbing, electrical wiring, roof trusses, a standing-seam metal roof, and Hardie board siding. THE BROWN COTTAGE offers 1 bedroom, 1 bathroom, gorgeous tongue-and-groove wood interiors, a spacious family room, kitchen and dining area, screened porch, attached laundry shed, and a wooden waterfront dock. Both homes are offered furnished with household essentials, excluding the Brown Cottage's dining room furniture. THE THIRD WATERFRONT PARCEL features approximately 0.44 wooded acres, approximately 90 feet of lake frontage, and an existing concrete boat ramp shown on the survey. Enjoy additional recreational space or explore the possibility of a future homesite, subject to county requirements and verification of buildability. MILES KALE LAKE is a peaceful, spring-fed lake with clear water, a sandy bottom, gently sloping shorelines, and depths reportedly reaching 16–22 feet in some areas. Enjoy fishing, kayaking, boating, watersports, and abundant natural beauty. VACATION RENTAL POTENTIAL! Both homes have welcomed paying guests, including repeat visitors. Seller-reported weekly rental rates are approximately $1,500 for the Green House and $1,349 for the Brown Cottage. Selected rental records are available for review. Comprehensive annual income figures have not been established, and rental rates do not guarantee future income or occupancy. All three parcels front NE 105th Avenue Road, an unpaved private road. Marion County Zoning has verbally confirmed access for all three parcels. The homes currently share a driveway through the Green House parcel; separate entrances have not been constructed. Recorded access rights are under title review. NO HOA! Convenient to Silver Springs State Park, Ocala National Forest, and Historic Downtown Ocala. Properties also offered individually: Green House $340,000, Brown Cottage $235,000, and vacant waterfront lot $50,000. PURCHASE ALL THREE FOR $610,000—A $15,000 SAVINGS OVER THE COMBINED INDIVIDUAL PRICES! WHETHER YOU ENVISION A FAMILY LAKEFRONT COMPOUND, WEEKEND RETREAT, OR WATERFRONT INVESTMENT, THIS UNIQUE OFFERING DELIVERS TWO CHARMING FLORIDA LAKE HOUSES, APPROXIMATELY 300 FEET OF COMBINED LAKE FRONTAGE, AND AN UNFORGETTABLE OLD FLORIDA LIFESTYLE!
Facts & features
The home at a glance
0
Bedrooms
2,186
Sqft
1.93 ac
Lot size
1952
Year built
One
Levels
$279
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.
$4,462 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,462/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
$279 vs $197
Days on market
2 vs 53 typical
Where $279/sqft sits among the 53 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 53
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 1030% 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 & 22645 & Land 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 · Jan ’26$68,000
23502 NE 110TH COURT
1 bd · 1 ba · 532 sqft · $128/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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 22649 & 22645 & Land 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 & 22645 & Land NE 105TH AVENUE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22649 & 22645 & Land NE 105TH AVENUE ROAD FAQs
What would the monthly payment be for 22649 & 22645 & Land NE 105TH AVENUE ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,462/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 & 22645 & Land 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 $610,000, this home is listed about 267% 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 & 22645 & Land 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
$610,000 runs 1030% above the FORT MC COY 32134 median — but at 2,186 sqft it's also nearly twice the size of 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 #O6451985.
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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