10865 NE 220TH STREET, FORT MC COY, FL, 32134
Active309 days on marketListed Oct 2, 2025MLS #OM710113
About this home
10865 NE 220TH STREET
Freshly completed and never occupied, this pristine 2024 manufactured home is ready for its first owner! Fenced and gated on over 3 acres in the peaceful Island Lake Acres community. The 3-bedroom, 2-bath split-bedroom layout offers 1,404 square feet of thoughtfully designed living space. Inside, you’ll find a bright open floor plan that features luxury vinyl flooring, lots of natural light, and modern finishes that combine comfort and style. The kitchen includes an eating nook and comes equipped with stainless steel appliances, a large center island with breakfast bar, and ample cabinet and counter space. A separate laundry area with washer and dryer is also included. Step outside to enjoy expansive outdoor living spaces, including a generous 10 x 32’ rear deck ideal for entertaining, grilling, or simply enjoying the quiet country setting, and an 8 x 18’ front deck perfect for making a first impression. The property's layout is ideal for those seeking room to breathe, create, or expand. A pole barn with water and power service is in place, including multiple electrical outlets, ideal for workshop use, vehicle or equipment storage, or future hobby farming. An additional storage shed also offers water and electrical hookups, making it highly adaptable for a range of uses. Utilities are fully connected, with a private well, septic system, electricity, and high-speed internet access available, and the zoning allows for flexibility with no HOA or deed restrictions to limit your plans. Located within walking distance of Island Lake and Pegram Lake, this property is an ideal option for those looking to spend time on the water. Lake Ocklawaha is also a short drive away, opening up larger options for fishing, boating, and exploration. This home offers a rare mix of modern convenience and rural privacy perfect for full-time living, a seasonal retreat, or even a fully equipped weekend getaway. With ample space, upgraded features, and all the essentials already in place, this is Florida country living at its most comfortable and convenient!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,404
Sqft
3.02 ac
Lot size
2024
Year built
One
Levels
$303
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.
$2,918 /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
$2,918/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.
vs edgeAI estimate
+59%
$/sqft vs Fort Mc Coy actives
$303 vs $201
Days on market
309 vs 42 typical
Where $303/sqft sits among the 58 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)
21 of 58
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 687% 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 10865 NE 220TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$119,000
22045 NE 106TH AVENUE
3 bd · 1 ba · 1,312 sqft · $91/sqft · 8 DOM
Sold · Oct ’25$109,000
23260 NE 112TH AVENUE
3 bd · 2 ba · 1,521 sqft · $72/sqft · 33 DOM
Sold · Feb ’26$159,500
23205 NE 110TH AVENUE
3 bd · 2 ba · 1,286 sqft · $124/sqft · 0 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 10865 NE 220TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10865 NE 220TH STREET — 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
10865 NE 220TH STREET FAQs
What would the monthly payment be for 10865 NE 220TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,918/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 10865 NE 220TH STREET?+
The most recent tax bill on record (2025) was $814. 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 $425,000, this home is listed about 134% 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 10865 NE 220TH STREET?+
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
$425,000 runs 687% above the FORT MC COY 32134 median — but at 1,404 sqft it's also 33% larger than the typical Fort Mc Coy listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
309 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 $475,000, now $425,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SHOWCASE PROPERTIES OF CENTRAL · Dawn Mahler. MLS #OM710113.
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 Fort Mc Coy homes, in your inbox
Like 10865 NE 220TH STREET but not quite? A daily digest of every new listing in Fort Mc Coy — 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 →