David Ramirez
$8,000≈$219 /mo all-in ↓

NE 154TH TERRACE, FORT MC COY, FL, 32134

Active295 days on marketListed Oct 16, 2025MLS #O6353217

✦ Priced 85% below the FORT MC COY 32134 median

About this home

NE 154TH TERRACE

Discover this 0.18-acre residential lot in the Ocala National Forest Campsites subdivision. Zoned R4 for residential mixed use, this property offers great potential for a future homesite or investment opportunity. Enjoy the quiet, natural setting of Fort McCoy with convenient access to nearby lakes, springs, and outdoor recreation throughout the Ocala National Forest. All information is deemed reliable but should be independently verified.

Facts & features

The home at a glance

0.18 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$101/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$219 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$47
FHA mortgage insurance (est.)$4
Property tax — 2025 actual bill$8
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $280Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $280
Interest rate6.00%
Loan term

Estimated payment

$219/mo

Principal & interest$47
FHA mortgage insurance (est.)$4
Property taxes (actual bill)$8
Est. insurance$160

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.

Where it sits

Inside Fort Mc Coy

Map of NE 154TH TERRACE

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

ElementaryFort McCoy School★★★★★
HighNorth Marion High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Fort Mc Coy market

Seller’s marketBalanced — 6.5 months of inventoryBuyer’s market

$240K → $125K

Fort Mc Coy median sold, yr/yr

91.6%

Sale-to-list ratio (12 mo)

Median sold price, Fort Mc Coy, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 85% below the FORT MC COY 32134 median. See the full Fort Mc Coy market guide →

Paper trail

This home's history

Oct 16, 2025Listed at $8,000 · 295 days on market since

Reality check

What actually sold near NE 154TH TERRACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

23258 NE 159TH AVENUESold · Aug ’26

$26,250

23258 NE 159TH AVENUE

1 bd · 1 ba · 318 sqft · $83/sqft · 2 DOM

15898 NE 236TH LANESold · Aug ’25

$89,900

15898 NE 236TH LANE

1 bd · 1 ba · 330 sqft · $272/sqft · 357 DOM

23199 NE 153RD COURTSold · Jun ’26

$89,000

23199 NE 153RD COURT

1 bd · 1 ba · 576 sqft · $155/sqft · 28 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about NE 154TH TERRACE — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for NE 154TH TERRACE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

NE 154TH TERRACE FAQs

What would the monthly payment be for NE 154TH TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $219/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 NE 154TH TERRACE?+

The most recent tax bill on record (2025) was $101. 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 $8,000, this home is listed about 96% below the Fort Mc Coy median of $181,500. The market section on this page shows how the area is trending.

Which schools are assigned to NE 154TH TERRACE?+

Fort McCoy School (elementary), North Marion High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.

Keep looking

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Listing courtesy of AMERICAN RESALES · Thomas Lugen. MLS #O6353217.

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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