18625 NE 238TH TERRACE, FORT MC COY, FL, 32134
Active118 days on marketListed Apr 11, 2026MLS #V4948407
About this home
18625 NE 238TH TERRACE
WHOA! Stop your Horses!!Under $80k?? Yep! Almost 1/2 acre, vacant land, on the Canal that leads to Lake Delancy! HUGE PRICE IMPROVEMENT!! Oh what fun this could be?!! If you have been seeking a private piece of land, directly on a canal that leads to a freshwater lake for fishing and fun, inclusive of your own personal small boat launch on the property... You have found it!! This could be your weekend get away... your secondary residence...income producing or build your quaint homestead to live the quiet, fresh air, boating, hunting, horseback riding lifestyle...every day! The location of this property is close to ATV trails, horseback riding trails, Hiking, Hunting, Fishing, kayaking, Lake Kerr, Lake George, Palatka, St John's River, Ocala National Forest and more! Only 8 miles to Salt Springs, less than 2 hours to either coast ( enjoy the Gulf or the Atlantic!) and multiple destinations along the way! The location gives you seclusion, with just a short commute to shopping, dining, larger cities, airports, etc. So, if this lifestyle has been on your bucket list, you will want to check into this property a little closer...and start making your plans! This listing includes 2 parcel id's 05665-106-01 AND 05664-106-04, which is a total of 4 lots, total size together, approx 200' x 90' There was a small home on the property that was a permitted demolition in 2013. Well was capped off.. septic tank status unknown. All information is deemed to be accurate, however, can not be guaranteed, interested parties encouraged to perform their own due diligence. Please verify all information and your future plans with the local zoning and building department.
Facts & features
The home at a glance
0.45 ac
Lot size
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.
$716 /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
$716/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.
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)
Median sold price, Fort Mc Coy, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% 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 18625 NE 238TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$145,000
24525 NE 189TH STREET
2 bd · 2 ba · 1,012 sqft · $143/sqft · 90 DOM
Sold · Oct ’25$145,000
12950 NE 245TH PLACE
3 bd · 2 ba · 1,056 sqft · $137/sqft · 349 DOM
Sold · Oct ’25$179,900
18750 NE 238TH AVENUE
2 bd · 2 ba · 1,088 sqft · $165/sqft · 40 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 18625 NE 238TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 18625 NE 238TH TERRACE — 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
18625 NE 238TH TERRACE FAQs
What would the monthly payment be for 18625 NE 238TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $716/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 18625 NE 238TH TERRACE?+
The most recent tax bill on record (2025) was $675. 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 $79,000, this home is listed about 56% below 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 18625 NE 238TH TERRACE?+
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
$79,000 runs 44% above the FORT MC COY 32134 median.
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
118 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 $145,000, now $79,000 — a $66K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS, CAMERON & CO., REALTORS · Carey Cyr. MLS #V4948407.
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 18625 NE 238TH TERRACE 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 →