
14190 NE 199TH LANE, FORT MC COY, FL, 32134
Active87 days on marketListed Jul 15, 2026MLS #OM728416
About this home
14190 NE 199TH LANE
UNIQUE MULTI-LIVING PROPERTY WITH FOUR SEPARATE FINISHED LIVING/RENTAL SPACES and established short-term rental potential! Situated on approximately .26 acres with approximately 2,400 square feet of finished living space, this one-of-a-kind Fort McCoy property offers exceptional flexibility for investors, multi-generational living, or buyers looking to offset their mortgage with rental income. Currently utilized in part as successful Airbnb and VRBO rentals with an established booking history, the property is ideally located near the Ocklawaha River and Ocala National Forest—putting some of North Central Florida's best outdoor recreation right at your doorstep. The property features FOUR DISTINCT FINISHED LIVING SPACES, each offering its own unique setup and potential. The main upstairs residence includes an updated kitchen with stainless steel appliances and ample cabinetry, a welcoming living room with a cozy corner fireplace, cedar accent walls, two bedrooms, and an updated full bathroom with a beautifully tiled walk-in shower. Double sliding glass doors open to a screened porch and adjoining wood deck overlooking the peaceful surroundings. The lower level has been thoughtfully configured into TWO SEPARATE FINISHED LIVING SPACES, each with its own private entrance. One includes a living room, kitchen area, bedroom, full bathroom, and utility area. The second offers a comfortable one-bedroom, one-bath layout with warm wood accents and a charming cabin-like atmosphere. These spaces provide excellent options for short-term rentals, extended family, guests, or additional income. Completing the property's FOURTH FINISHED LIVING SPACE, the former 18' x 20' metal garage has been converted into a studio-style space with electricity and a tankless gas water heater, adding even more flexibility for guests, extended family, hobbies, or potential rental use. Outside, enjoy a private entertaining area with a relaxing jacuzzi and dedicated grilling space. The approximately .26-acre corner lot also features a fully fenced area for pets and an additional storage shed with covered parking—ideal for lawn equipment, ATVs, kayaks, or other recreational gear. Furniture is negotiable, creating the opportunity for a more turnkey purchase. For outdoor enthusiasts and vacation renters alike, the location is a standout. The community boat ramp on the scenic Ocklawaha River is within walking distance, while the Ocala National Forest is just minutes away, offering access to boating, kayaking, fishing, hiking, hunting, ATV riding, and miles of Florida wilderness. With approximately 2,400 square feet of finished living space, FOUR SEPARATE LIVING/RENTAL AREAS, established short-term rental history, and a location near both the Ocklawaha River and Ocala National Forest, this is a truly unique opportunity. Whether you're looking for an income-producing investment, a multi-generational setup, a primary residence with supplemental rental income, or a property designed to accommodate multiple guests, the possibilities here are hard to match.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,727
Sqft
0.25 ac
Lot size
1981
Year built
Two
Levels
$174
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.
$2,272 /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
$2,272/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.
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
$174 vs $195
Days on market
87 vs 56 typical
Where $174/sqft sits among the 55 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
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)
22 of 55
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 445% 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 14190 NE 199TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$188,000
14501 NE 190TH LANE
3 bd · 2 ba · 2,108 sqft · $89/sqft · 202 DOM
Sold · Mar ’26$90,000
14596 NE 188TH LANE
2 bd · 2 ba · 924 sqft · $97/sqft · 36 DOM
Sold · Sep ’26$85,000
14500 NE 188TH PLACE
3 bd · 1.5 ba · 712 sqft · $119/sqft · 159 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 14190 NE 199TH LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14190 NE 199TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
14190 NE 199TH LANE FAQs
What would the monthly payment be for 14190 NE 199TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,272/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 14190 NE 199TH LANE?+
The most recent tax bill on record (2025) was $2,567. 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 $299,900, this home is listed about 87% above the Fort Mc Coy median of $160,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$299,900 runs 445% above the FORT MC COY 32134 median — but at 1,727 sqft it's also 69% larger than the typical Fort Mc Coy listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $335,000, now $299,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CRYSTAL SNOOK REAL ESTATE · Ashley Sexton. MLS #OM728416.
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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