21994 NE 106TH AVENUE, FORT MC COY, FL, 32134
Active46 days on marketListed Aug 25, 2026MLS #OM731001
About this home
21994 NE 106TH AVENUE
This lakefront retreat is being sold completely furnished, it includes; furniture, decorations, kitchen items, beds, linens, and more, making it easy to settle in and enjoy your time at the lake. The charming 2 bedroom, 2 bath waterfront home on Pegram Lake offers a peaceful setting and everything you need to start enjoying lake life right away. Enter through the front screened porch into this attractively decorated home featuring tile flooring throughout. The living room overlooks the lake, allowing you to enjoy the waterfront setting from the comfort of your home. The primary suite features a lake view, walk-in closet, step-in shower, and a private entrance from the rear wood deck. The rear screened porch overlooking the lake is the perfect spot to relax and enjoy beautiful sunsets. Outside, a patio area with a picnic table provides a great space for grilling and outdoor gatherings. The dock is equipped with water and electricity for added convenience. Additional features include a new roof in 2023 and updated windows. Two outbuildings with electricity provide plenty of storage, and the sale includes a lawnmower, generator, yard tools, and more for your convenience. The property is mostly fenced, with open areas near the lake. Optional HOA dues of just $50 per year provide access to the community boat ramp on the adjoining lot. Whether you're looking for a weekend getaway, seasonal retreat, or a full-time waterfront home, this property is a great choice. Conveniently located between Ocala, Gainesville, and Palatka.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,240
Sqft
0.64 ac
Lot size
1963
Year built
One
Levels
$225
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.
$2,100 /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
$2,100/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
$225 vs $193
Days on market
46 vs 56 typical
Where $225/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 407% 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 21994 NE 106TH AVENUE
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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 21994 NE 106TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 21994 NE 106TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
21994 NE 106TH AVENUE FAQs
What would the monthly payment be for 21994 NE 106TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,100/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 21994 NE 106TH AVENUE?+
The most recent tax bill on record (2025) was $2,088. 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 $279,000, this home is listed about 74% 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
$279,000 runs 407% above the FORT MC COY 32134 median — but at 1,240 sqft it's also 22% 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.
03The price has already moved
Listed at $295,000, now $279,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY 40 · Kathy Carpenter. MLS #OM731001.
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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