10915 NE 222ND STREET, FORT MC COY, FL, 32134
Active161 days on marketListed Mar 4, 2026MLS #OM720034
About this home
10915 NE 222ND STREET
Island Lake Retreat! Come enjoy all that lake life has to offer from your own sandy beach area and private dock on beautiful spring fed Island Lake. This updated 3/2 split plan home features a light and bright kitchen with stainless steel appliances overlooking a very spacious living room. In addition to the 3 bedrooms, there is a versatile bonus room with a walk-in closet and French doors leading to a 16x27 screened porch that overlooks the lake. The primary suite offers a walk-in closet, a double sink vanity and an oversized step-in tiled shower. Additional features include attractive vinyl plank flooring throughout, an inside laundry room, a tiled guest shower, a metal roof and a storage shed. Conveniently located between Ocala, Gainesville and Palatka.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,512
Sqft
0.59 ac
Lot size
1992
Year built
One
Levels
$281
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.
$3,142 /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
$3,142/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
$281 vs $192
Days on market
161 vs 34 typical
Where $281/sqft sits among the 63 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 → $111K
Fort Mc Coy median sold, yr/yr
91.6%
Sale-to-list ratio (12 mo)
22 of 63
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 673% 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 10915 NE 222ND STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$109,000
23260 NE 112TH AVENUE
3 bd · 2 ba · 1,521 sqft · $72/sqft · 33 DOM
Sold · May ’26$321,000
10550 NE 222ND PLACE ROAD
2 bd · 2 ba · 1,582 sqft · $203/sqft · 87 DOM
Sold · May ’26$119,000
22045 NE 106TH AVENUE
3 bd · 1 ba · 1,312 sqft · $91/sqft · 8 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 10915 NE 222ND STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10915 NE 222ND 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
10915 NE 222ND STREET FAQs
What would the monthly payment be for 10915 NE 222ND STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,142/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 10915 NE 222ND STREET?+
The most recent tax bill on record (2025) was $3,506. 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 150% above the Fort Mc Coy median of $169,900. The market section on this page shows how the area is trending.
Which schools are assigned to 10915 NE 222ND 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
Three things that matter here
01Positioned at the premium end
$425,000 runs 673% above the FORT MC COY 32134 median — but at 1,512 sqft it's also 48% larger than the typical Fort Mc Coy listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
161 days on market against a Fort Mc Coy median of 34 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY 40 · Kathy Carpenter. MLS #OM720034.
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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