21875 NE 135TH LANE, FORT MC COY, FL, 32134
Active57 days on marketListed Aug 14, 2026MLS #OM730230
About this home
21875 NE 135TH LANE
Come for the home—bring the boat, fishing poles, and your sense of adventure. The Florida lifestyle is waiting! Welcome to a place where days on the water and adventures in the great outdoors can be part of everyday life. This well-maintained, turnkey 3-bedroom, 2-bath, 2-car garage CBS home sits on .52 acres and offers community dock access to beautiful Lake Kerr, making it an ideal setting for anyone who loves boating, fishing, nature, and Florida’s year-round outdoor lifestyle. Built for comfortable Florida living, this home features a 2022 metal roof for added durability and peace of mind, along with a freshly painted interior and loving care that make it truly move-in ready. Lake Kerr is one of the area's true treasures—a pristine, spring-fed lake spanning approximately 2,800 acres. Spend your mornings fishing for bass, bream, specks and more, your afternoons boating, kayaking, or tubing, and your evenings enjoying the peaceful surroundings. The community dock is perfect for taking in the water views, catching an evening sunset, or visiting with neighbors. When you're ready to launch the boat, Morehead Park’s public boat ramp is approximately five minutes away. And the adventure doesn't stop at the lake. The surrounding Ocala National Forest offers miles of trails for ATV riding, horseback riding, and hiking, along with countless opportunities for fishing, hunting, exploring Florida springs, and simply getting out and enjoying nature. Salt Springs Recreation Area and numerous other springs and waterways are just minutes away. Step inside and you'll immediately see how well this home has been cared for. The freshly painted interior features vaulted ceilings, a spacious great room, split-bedroom floor plan, new flooring throughout with tile in the wet areas, ceiling fans, and walk-in closets in all three bedrooms. The inside laundry room includes a utility sink, while the screened lanai and adjoining concrete patio provide inviting spaces to relax and enjoy the outdoors. Additional features include a whole-house alarm system with contacts on all windows, recently installed storm doors, an equipment shed, and an additional carport—plenty of space for the gear and toys that go along with this Florida lifestyle. You'll feel tucked away in nature without giving up everyday conveniences. Downtown Salt Springs is approximately 10 minutes away for groceries, gas, pharmacy needs, and dining. Ocala and Palatka are approximately 30 minutes away, with Gainesville about 50 minutes away. Whether you're searching for a full-time Florida residence, seasonal retreat, or a turnkey home where recreation becomes part of everyday life, this property offers a special combination of comfort, space, durability, and access to one of Marion County's beautiful lakes. Well maintained, move-in ready, and surrounded by some of North Central Florida's best outdoor recreation—bring the boat, bring the fishing poles, and start enjoying the Florida lifestyle you've been looking for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,450
Sqft
0.52 ac
Lot size
2
Garage
2002
Year built
One
Levels
$193
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.
$2,277 /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
$2,277/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.
vs edgeAI estimate
−38.6%
$/sqft vs Fort Mc Coy actives
$193 vs $195
Days on market
57 vs 56 typical
Where $193/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 409% 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 21875 NE 135TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$200,000
3950 N CALUMET TERRACE · same community
2 bd · 2 ba · 1,296 sqft · $154/sqft · 47 DOM
Sold · Jan ’26$334,900
2003 CHICKASAW BOULEVARD · same community
4 bd · 2 ba · 1,867 sqft · $179/sqft · 52 DOM
Sold · Feb ’26$355,000
2402 OAKWOOD LANE · same community
5 bd · 3 ba · 2,420 sqft · $147/sqft · 90 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 21875 NE 135TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21875 NE 135TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
21875 NE 135TH LANE FAQs
What would the monthly payment be for 21875 NE 135TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,277/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 21875 NE 135TH LANE?+
The most recent tax bill on record (2025) was $4,148. 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 $279,900, this home is listed about 75% 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
$279,900 runs 409% above the FORT MC COY 32134 median — but at 1,450 sqft it's also 42% larger than the typical Fort Mc Coy listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $299,900, now $279,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMERUN REALTY · Denise March. MLS #OM730230.
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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