125 MCCOY DRIVE, LAKE PLACID, FL, 33852
Active121 days on marketListed Mar 26, 2026MLS #C7523925
About this home
125 MCCOY DRIVE
Welcome to your private slice of paradise on beautiful Lake McCoy! This wonderfully updated 3-bedroom, 2-bath home offers the perfect blend of modern upgrades and relaxed waterfront living. Step inside to find stylish tile wood flooring throughout, along with updated plumbing and electrical systems for peace of mind. The spacious layout includes a generously sized walk-in pantry and an indoor laundry area designed for convenience. This home is packed with valuable upgrades, including a whole-house generator, a 400-gallon underground propane tank, hurricane impact windows, and a durable metal roof installed in 2018. Stay comfortable year-round with a newer air conditioning system (2023) and enjoy added functionality with gutters and updated walkways. Outside is where this property truly shines—situated on the crystal-clear waters of Lake McCoy, featuring your very own white sand beach. Whether you’re relaxing by the shore, entertaining guests, or soaking in the serene lake views, this is Florida living at its finest. The seawall was updated in 2019, offering both beauty and long-term stability. If you’ve been dreaming of peaceful lakefront living with modern upgrades already in place, this is the one you’ve been waiting for.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,534
Sqft
0.36 ac
Lot size
1
Garage
1951
Year built
One
Levels
$316
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.
$3,368 /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
$3,368/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 Lake Placid actives
$316 vs $199
Days on market
121 vs 73 typical
Where $316/sqft sits among the 62 Lake Placid 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 Lake Placid
Get to know Lake Placid. See the full Lake Placid guide →
LAKE PLACID 33852 — neighborhood snapshot
Population
21,630
Median age
54.8
Median income
$54,841
Median home value
$205,800
Avg household
2.16
Households w/ children
1,979
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Placid market
$315K → $335K
Lake Placid median sold, yr/yr
94.8%
Sale-to-list ratio (12 mo)
23 of 62
Lake Placid actives have cut their price
Median sold price, Lake Placid, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2931% above the LAKE PLACID 33852 median. See the full Lake Placid market guide →
Paper trail
This home's history
Reality check
What actually sold near 125 MCCOY DRIVE
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$130,000
5 CHARLTON DRIVE UNIT 5
2 bd · 2 ba · 1,324 sqft · $98/sqft · 18 DOM
Sold · Mar ’26$260,000
1163 US 27 S
3 bd · 2.5 ba · 1,254 sqft · $207/sqft · 93 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 125 MCCOY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 MCCOY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
125 MCCOY DRIVE FAQs
What would the monthly payment be for 125 MCCOY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,368/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 125 MCCOY DRIVE?+
The most recent tax bill on record (2025) was $1,656. 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 Lake Placid?+
At $485,000, this home is listed about 74% above the Lake Placid median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 125 MCCOY DRIVE?+
Lake Placid Middle School (middle), Lake Placid High School (high), Lake Placid Elementary School (elementary) — Highlands County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$485,000 runs 2931% above the LAKE PLACID 33852 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lake Placid Middle School, Lake Placid High School, Lake Placid Elementary School — Lake Placid Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $497,500, now $485,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PRESTIGE REALTY OF FLORIDA, LL · Dawn Miller. MLS #C7523925.
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.
Never miss a listing
New Lake Placid homes, in your inbox
Like 125 MCCOY DRIVE but not quite? A daily digest of every new listing in Lake Placid — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →