22645 NE 105th Avenue Rd, Fort Mc Coy, FL, 32134
About This Home
Breezy waterfront living along Miles Kale Lake! Overlooking the sparkling spring-fed Miles Kale Lake in the quiet area of Fort McCoy, this property offers a total of two parcels that feature pristine shoreline and a combined 1.12 acres. All of the acreage is fenced, with the two parcels being a gently shaded lot with the main residence and a secondary lot which has been left in a more natural state as a heavily wooded area. Move-in ready and fully furnished, this cozy lodge like Cottage rests on the eastern lot and offers plenty of sleeping space in the 1-bedroom or the spacious family room with beds for 4. This charming cottage features a large family room, a delightful kitchen with adjacent dining area, and a great screen-enclosed porch. All rooms have a restful view of the lake. This home offers a rustic aesthetic with lots of tasteful wood-work done throughout the home. A laundry shed is also attached to the home for added ease. A private boat ramp with a recently updated dock allows for easy enjoyment of the lake, opening up a variety of uses for those who enjoy spending time on their boat. Miles Kale Lake is a wonderful, natural Florida lake with a nice sand bottom and a few unique features that make it extra exciting– the lake has a gradual slope and is deeper than many other lakes in the area. The lake is great for boating on canoes, kayaks, jet skis, as well as power boats with other boats rarely being seen on the lake to provide little to no disruption on most days. Many other lakes are also in the area, making this an ideal property for those looking to discover the many activities Central Florida has to offer! If you’re ready to take in pristine water-front views or are looking for an income producing opportunity, this property is a wonderful option to consider!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1952
Materials
- Foundation: Slab
- Roof: Metal
- Construction materials: Wood Frame (FSC Certified)
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Convection Oven,Dryer,Microwave,Refrigerator,Washer
- Laundry features: Laundry Room,Other,Outside
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- Full bathrooms: 1
Features
- Ceiling Fan(s),Eating Space In Kitchen,Solid Wood Cabinets
- Door features: Outdoor Grill
- Flooring: Engineered Hardwood,Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 922
- Total interior livable area: 738 sqft
Kitchen
- Level: First
Living Room
- Level: First
Master Bedroom
- Level: First
Property
Details
- Parcel number: 0437600000
- Zoning: R4
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Covered,Enclosed,Porch,Rear Porch,Screened
- Exterior features: Other,Outdoor Grill,Storage
- Fencing: Chain Link
- Has view: Yes
- View description: Water,Lake
- Has water view: Yes
- Water view: Water,Lake
- On waterfront: Yes
- Waterfront features: Lake Front,Lake Privileges,Boat Ramp - Private,Skiing Allowed
- Waterbody name: MILES KALE LAKE
- Residential vegetation: Mature Landscaping,Oak Trees,Trees/Landscaped,Wooded
Lot
- Lot size: 1.12 Acres
- Features: In County,Landscaped,Private
- Lot size dimensions: 200 x 346
Parking
- Parking features: Driveway,Open
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hurricane
- Lightning
- Wildfire
- Cold Wave
- Inland Flooding
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Marion County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,613 | $19,356 |
| Home Insurance * | $500 | $6,000 |
| Property Taxes | $583 | $6,996 |
| Electricity | $197 | $2,366 |
| Total | $2,893 | $34,716 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-09 | Price change | $319,000 |
| 2025-02-07 | Price change | $359,900 |
| 2024-08-14 | Price change | $369,000 |
| 2023-10-11 | Listed for sale | $374,000 |
| 2022-05-19 | Listing removed | -- |
| 2022-02-20 | Listed for sale | $348,000 |
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