20800 NE 146th Ter, Fort Mc Coy, FL, 32134
About This Home
Snowbird Retreat Near Ocala National Forest – Own Your Land, No HOA! ???? Escape the cold and enjoy your own Florida getaway in this fully furnished 1-bedroom cottage, perfectly suited as a seasonal snowbird retreat or weekend escape. Located near the beautiful Ocala National Forest and just about 45 minutes from Ocala and 45 minutes to Palatka this property offers a peaceful setting with easy access to outdoor recreation and nearby conveniences. The home features: • Comfortable 1 bedroom / 1 bath layout • Cozy living room plus flexible dining/flex space • Nicely maintained kitchen • Laundry room with washer & dryer included • You own the land – no HOA fees This property is being sold as-is and is best suited for a cash buyer. Due to the age of the home and repairs needed (including the well), it will not qualify for insurance or financing. Seller will make no repairs. A great opportunity to secure an affordable Florida winter basecamp in a quiet natural setting.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1963
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Bedrooms & Bathrooms
- Bedrooms: 1
- Full bathrooms: 1
Property
Lot
- Lot size: 8,712 sqft
Parking
- Total spaces: 2
- Parking features: Garage
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
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
- Cold Wave
- Inland Flooding
- Lightning
- Tornado
- Wildfire
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 | $216 | $2,592 |
| Home Insurance * | $67 | $804 |
| Property Taxes | $25 | $300 |
| Electricity | $197 | $2,366 |
| Total | $505 | $6,060 |
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
No price history available
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