
14190 NE 199TH LANE, FORT MC COY, FL, 32134
Active23 days on marketListed Jul 15, 2026MLS #OM728416
About this home
14190 NE 199TH LANE
Income-producing opportunity just minutes from the Ocklawaha River and Ocala National Forest! Whether you're searching for a primary residence with supplemental income, a multi-generational property, or a turnkey investment, this unique Fort McCoy property offers exceptional flexibility with multiple finished living spaces and an established short-term rental history. Situated on a spacious corner lot, the main living area upstairs features an updated kitchen with stainless steel appliances, and ample cabinetry, opening to a welcoming living room with a cozy corner fireplace. Cedar accent walls add warmth and character, while double sliding glass doors lead to a screened porch and adjoining wood deck—perfect for enjoying the peaceful natural surroundings. The upper level also includes two bedrooms and an updated full bathroom with a beautifully tiled walk-in shower. The lower level has been thoughtfully configured into two finished living spaces, each with its own private entrance. One finished living space includes a living room, kitchen area, bedroom, full bathroom, and utility area, while the second offers a comfortable one-bedroom, one-bath layout with warm wood accents and a charming cabin-like feel that guests are sure to appreciate. These spaces are currently utilized as successful Airbnb and VRBO rentals with an excellent booking history, offering outstanding income potential. Adding even more value, the former 18' x 20' metal garage has been converted into an additional finished studio living space, complete with electricity and a tankless gas water heater, providing even more flexibility for guests, extended family, hobbies, or potential income Just outside, you'll find a private outdoor entertaining area featuring a relaxing jacuzzi and a dedicated grilling space. Furniture is negotiable, providing the opportunity for a truly turnkey purchase. Outdoor enthusiasts will appreciate being within walking distance of the community boat ramp on the scenic Ocklawaha River and just minutes from the Ocala National Forest, offering endless opportunities for boating, kayaking, fishing, hiking, hunting, ATV riding, and exploring Florida's natural beauty. A fully fenced area provides space for pets, and an additional storage shed with a covered parking area is ideal for lawn equipment, ATVs, or recreational gear. Whether you're looking to expand your investment portfolio, offset your mortgage with rental income, or enjoy a versatile property in one of North Central Florida's premier outdoor recreation areas, this one-of-a-kind property is full of possibilities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,727
Sqft
0.25 ac
Lot size
1981
Year built
Two
Levels
$194
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.
$2,494 /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
$2,494/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
$194 vs $206
Days on market
23 vs 42 typical
Where $194/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 509% 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 14190 NE 199TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$188,000
14501 NE 190TH LANE
3 bd · 2 ba · 2,108 sqft · $89/sqft · 202 DOM
Sold · Mar ’26$90,000
14596 NE 188TH LANE
2 bd · 2 ba · 924 sqft · $97/sqft · 36 DOM
Sold · Jul ’26$50,000
14450 NE 192ND LANE
2 bd · 2 ba · 656 sqft · $76/sqft · 234 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 14190 NE 199TH LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 14190 NE 199TH LANE — 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
14190 NE 199TH LANE FAQs
What would the monthly payment be for 14190 NE 199TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,494/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 14190 NE 199TH LANE?+
The most recent tax bill on record (2025) was $2,567. 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 $335,000, this home is listed about 85% 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 14190 NE 199TH LANE?+
Fort McCoy School (elementary), North Marion High School (high) — Marion County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CRYSTAL SNOOK REAL ESTATE · Ashley Sexton. MLS #OM728416.
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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