David Ramirez
$299,900$399,0003 bd1.5 ba1,135 sqft$264 /sqft$2,240 /mo all-in ↓

20259 NE 147TH TERRACE, FORT MC COY, FL, 32134

Active352 days on marketListed Aug 20, 2025MLS #OM707792

Reduced $99KFully furnishedSingle Family ResidenceD&J CAMPSITES

About this home

20259 NE 147TH TERRACE

This authentic rustic log cabin retreat is tucked away at the very edge of the Ocala National Forest, offering the rare opportunity to own a property that shares a 340-foot common boundary with the Forest itself. More than just being near the woods, this home places you directly alongside its beauty, giving you immediate access to endless outdoor adventure. The cabin has been carefully designed with the surrounding trees preserved to create privacy and seclusion, giving it the true feel of a hidden retreat. Set on 0.86 acres made up of four lots across two parcels (05269-101-14 and 05269-101-15), with overall dimensions of 340 feet by 110 feet, the property is large enough to accommodate an accessory building or even another primary structure if desired. According to the construction plans, the first floor offers 720 square feet of living space, with an additional 415 square feet in the loft, for a total interior of 1,135 square feet. The wraparound porch adds 1,304 square feet, bringing the total building floor space to 2,439 square feet. Inside, all interior walls are tongue-and-groove Southern White Pine, the lower-level floors are Southern White Pine, the bedrooms are finished in warm oak, and the loft is highlighted with rich cherry flooring, creating a timeless blend of natural textures throughout. A log staircase, handcrafted finishes, and abundant woodwork add to the rustic charm you would expect in a true cabin retreat. The home features two bedrooms and a loft bedroom with one and a half baths, plus clever storage options including two attic storage areas and an additional space under the stair landing. Modern comforts blend seamlessly with the cabin’s character, including a microwave, range, refrigerator, garbage disposal, stackable washer and dryer, ceiling fans throughout, a tankless electric water heater installed in 2021, and an HVAC system replaced in 2010 with ductwork updated just two years ago. • NEW STAINLESS STEEL REFRIGERATOR AND RANGE COMING MAY 2026 • Satellite TV service is installed in all rooms as well as the front porch, making it easy to stay connected even while enjoying your retreat. Outside, a wellhouse/storage shed serves as a convenient accessory structure. Surrounding the home is a full wraparound porch, the perfect setting for porch swings, rocking chairs, and evenings spent stargazing under Florida’s clear night skies. The cabin will be sold fully furnished, excluding all taxidermy mountings and a few other personal exceptions, making it easy to move right in and start enjoying. A seven-minute drive takes you to Ferry Boat Landing with its public boat ramp, giving you quick access to Lake Ocklawaha for fishing and boating. Daily conveniences are just a short drive away, with Ocala and Palatka about thirty minutes for larger shopping and dining options. In less than an hour, you can be on the Atlantic Ocean in Daytona Beach or the Gulf of America in Crystal River. Closer to home, you’ll find lakes, rivers, and streams that make this property a true sportsman’s paradise. Whether you envision it as your private getaway, a family retreat, or a profitable Airbnb investment, this one-of-a-kind log cabin blends rustic character, thoughtful design, and unmatched access to Florida’s great outdoors.

Facts & features

The home at a glance

3

Bedrooms

1.5

Bathrooms

1,135

Sqft

0.86 ac

Lot size

2007

Year built

Two

Levels

$264

Per sqft

Park/Greenbelt & Trees/Woods viewFurnished

Inside

FlooringHardwood
AppliancesDisposal · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Living Room/Dining Room Combo · Thermostat
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingHeat Pump
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionLog
FoundationPillar/Post/Pier
ViewPark/Greenbelt · Trees/Woods
FacesWest
ParkingDriveway
ExteriorLighting

Community & fees

Taxes (2024)$2,179/yr

Utilities & systems

UtilitiesElectricity Connected
WaterWell

The numbers

What it really costs

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

$2,240 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,765
FHA mortgage insurance (est.)$133
Property tax — 2024 actual bill$182
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,497Loan30-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

Run your own numbers

Loan type
Down payment3.5% · $10,497
Interest rate6.00%
Loan term

Estimated payment

$2,240/mo

Principal & interest$1,765
FHA mortgage insurance (est.)$133
Property taxes (actual bill)$182
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.

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

$264 vs $201

Days on market

352 vs 42 typical

Where $264/sqft sits among the 59 Fort Mc Coy actives

8
15
14
13 · this home
5
4
$60–119$119–177$177–236$236–295$295–353$353+

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

Map of 20259 NE 147TH 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 marketBalanced6.5 months of inventoryBuyer’s market

$240K$125K

Fort Mc Coy median sold, yr/yr

91.6%

Sale-to-list ratio (12 mo)

21 of 59

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

CurrentPrice reduced to $299,900 $99K
Aug 20, 2025Listed at $399,000 · 352 days on market since
2007Built · D&J CAMPSITES

Reality check

What actually sold near 20259 NE 147TH TERRACE

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

14525 NE 213TH LANESold · Feb ’26

$23,000

14525 NE 213TH LANE

3 bd · 1 ba · 672 sqft · $34/sqft · 74 DOM

14450 NE 192ND LANESold · Jul ’26

$50,000

14450 NE 192ND LANE

2 bd · 2 ba · 656 sqft · $76/sqft · 234 DOM

14501 NE 190TH LANESold · Dec ’25

$188,000

14501 NE 190TH LANE

3 bd · 2 ba · 2,108 sqft · $89/sqft · 202 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 20259 NE 147TH TERRACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 20259 NE 147TH TERRACE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

20259 NE 147TH TERRACE FAQs

What would the monthly payment be for 20259 NE 147TH TERRACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,240/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 20259 NE 147TH TERRACE?+

The most recent tax bill on record (2024) was $2,179. 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 65% above 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 20259 NE 147TH 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.

The brief

Four things that matter here

01Positioned at the premium end

$299,900 runs 445% above the FORT MC COY 32134 median.

02Park/Greenbelt & Trees/Woods views

The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

352 days on market against a Fort Mc Coy median of 42 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $399,000, now $299,900 — a $99K cut. The full history is in the market section below.

Listing courtesy of RE/MAX PREMIER REALTY · Mary Johnson. MLS #OM707792.

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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