
10399 NE 218TH LANE ROAD, FORT MC COY, FL, 32134
Active345 days on marketListed Aug 28, 2025MLS #OM708396
About this home
10399 NE 218TH LANE ROAD
Dream no more—welcome to your own 1+ acre lakefront retreat on the pristine shores of private Pegram Lake, a 90-acre spring-fed gem. This residence, the very first home ever built on the lake, has been completely reimagined—renovated down to the studs. Every detail has been thoughtfully designed, blending luxury finishes with the natural beauty of Florida living. Here, life on the water is effortless—enjoy boating, jet skiing, fishing, or simply relaxing along your own shoreline. Across the lake, a private island adds to the charm of this natural oasis. The lake is also a sanctuary for Florida’s native wildlife; it’s not uncommon to see graceful sandhill cranes, herons, and geese migrating along the shoreline, creating a peaceful and picturesque backdrop. The grounds feature a lovely pollinator garden, perfect for cultivating your favorite plants or simply enjoying the serenity of the outdoors. The gourmet kitchen is a showstopper, boasting exotic granite countertops, custom cabinetry, custom farmhouse sink and a stone-accented fireplace. A spacious island provides bar seating, while the open dining area features a built-in butler’s cabinet—all overlooking breathtaking lake views. The spa-inspired main-level bath offers a glass shower and freestanding tub with barn-door entry. An enclosed Florida room under A/C flows seamlessly to the lakeside porch, while upstairs you’ll find three bedrooms, a second fully renovated bath, and even a second kitchen—making this home an ideal AirBnB or multi-generational retreat. Rental potential is outstanding, with nightly rates of $250–$300 or $1,500–$1,800 per week. This is more than a home—it’s a lifestyle, a sanctuary, and an investment opportunity all in one. Bring your family, friends, or guests and experience the rare beauty of Florida lakefront living.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,178
Sqft
1.19 ac
Lot size
2
Garage
1960
Year built
Two
Levels
$207
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.
$3,367 /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
$3,367/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
$207 vs $201
Days on market
345 vs 50 typical
Where $207/sqft sits among the 60 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
For the school run
Marion County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Mc Coy market
$240K → $125K
Fort Mc Coy median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
22 of 60
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 718% 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 10399 NE 218TH LANE ROAD
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$355,000
22345 NE 108TH AVENUE ROAD
3 bd · 2 ba · 2,296 sqft · $155/sqft · 755 DOM
Sold · Mar ’26$530,000
11064 NE 212TH LANE
3 bd · 2 ba · 1,940 sqft · $273/sqft · 86 DOM
Sold · Oct ’25$109,000
23260 NE 112TH AVENUE
3 bd · 2 ba · 1,521 sqft · $72/sqft · 33 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 10399 NE 218TH LANE ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10399 NE 218TH LANE ROAD — 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
10399 NE 218TH LANE ROAD FAQs
What would the monthly payment be for 10399 NE 218TH LANE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,367/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 10399 NE 218TH LANE ROAD?+
The most recent tax bill on record (2024) was $4,315. 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 $449,900, this home is listed about 153% above the Fort Mc Coy median of $178,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10399 NE 218TH LANE ROAD?+
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
Three things that matter here
01Positioned at the premium end
$449,900 runs 718% above the FORT MC COY 32134 median — but at 2,178 sqft it's also nearly twice the size of the typical Fort Mc Coy listing.
02Time on market is leverage
345 days on market against a Fort Mc Coy median of 50 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $599,900, now $449,900 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CRYSTAL SNOOK REAL ESTATE GROUP · Ashley Sexton. MLS #OM708396.
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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