David Ramirez
$15,000≈$260 /mo all-in ↓

0 NE 226TH STREET UNIT 58, FORT MC COY, FL, 32134

Active249 days on marketListed Dec 3, 2025MLS #OM714474

✦ Priced 73% below the FORT MC COY 32134 medianTHREE LAKES ESTATE

About this home

0 NE 226TH STREET UNIT 58

Seller's Financing Available!! Come check it out and build your dream getaway in Three Lakes Estates! This R-4 zoned lot allows tiny homes, mobile homes, modular, or site-built construction. Enjoy private beach tract access for swimming, kayaking, and fishing, plus the freedom of no HOA. Setbacks are already defined, making planning easy. Surrounded by Deer Back Lake, Island Lake, and Pegram Lake, this location is perfect for an Airbnb, vacation retreat, or full-time living. A peaceful setting with endless potential.

Facts & features

The home at a glance

0.11 ac

Lot size

Trees/Woods view

Inside

Outside & construction

ViewTrees/Woods
FacesNorth

Community & fees

Taxes (2025)$59/yr

Utilities & systems

UtilitiesElectricity Available
WaterNone · Well Required

The numbers

What it really costs

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

$260 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$88
FHA mortgage insurance (est.)$7
Property tax — 2025 actual bill$5
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $525Loan30-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% · $525
Interest rate6.00%
Loan term

Estimated payment

$260/mo

Principal & interest$88
FHA mortgage insurance (est.)$7
Property taxes (actual bill)$5
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 0 NE 226TH STREET UNIT 58

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 — 6.7 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 73% below the FORT MC COY 32134 median. See the full Fort Mc Coy market guide →

Paper trail

This home's history

Dec 3, 2025Listed at $15,000 · 249 days on market since

Reality check

What actually sold near 0 NE 226TH STREET UNIT 58

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

10550 NE 222ND PLACE ROADSold · May ’26

$321,000

10550 NE 222ND PLACE ROAD · same community

2 bd · 2 ba · 1,582 sqft · $203/sqft · 87 DOM

23502 NE 110TH COURTSold · Jan ’26

$68,000

23502 NE 110TH COURT

1 bd · 1 ba · 532 sqft · $128/sqft · 9 DOM

22515 NE 108TH AVENUE ROADSold · Aug ’25

$245,000

22515 NE 108TH AVENUE ROAD

2 bd · 2 ba · 688 sqft · $356/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 0 NE 226TH STREET UNIT 58 — 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 0 NE 226TH STREET UNIT 58 — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

0 NE 226TH STREET UNIT 58 FAQs

What would the monthly payment be for 0 NE 226TH STREET UNIT 58?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $260/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 0 NE 226TH STREET UNIT 58?+

The most recent tax bill on record (2025) was $59. 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 $15,000, this home is listed about 92% below 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 0 NE 226TH STREET UNIT 58?+

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

01Under the FORT MC COY 32134 market on paper

$15,000 is 73% below the FORT MC COY 32134 median of $55,000.

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

249 days on market against a Fort Mc Coy median of 50 — sellers in this position are usually ready to negotiate.

Keep looking

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11545 NE NE 225TH ST, FORT MC COY

Listing courtesy of LPT REALTY, LLC · Nicole Surillo. MLS #OM714474.

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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