22348 NE 112TH TERRACE, FORT MC COY, FL, 32134
Active2 days on marketListed Aug 10, 2026MLS #OM730065
About this home
22348 NE 112TH TERRACE
Lakefront getaway on beautiful spring fed Island Lake! Enjoy the best of lake life in this barely lived in 3 bedroom, 2 1/2 bath home, built in 2010 and designed for easy living and weekend escapes. This inviting home offers a peaceful setting where you can spend your days fishing, enjoying water activities, or simply relaxing by the water. The open floor plan features a spacious living area with cathedral ceilings, tile flooring throughout, and sliding glass doors that showcase beautiful lake views and open to the screened rear porch. The porch overlooks the lake and provides the perfect setting for morning coffee, entertaining or unwinding at the end of the day watching spectacular sunsets. The light and bright kitchen overlooks the living and dining areas and features stainless steel appliances, a walk-in pantry, and two convenient eat-at bars. The spacious primary bedroom enjoys a beautiful lake view and direct access to the rear porch. The primary bath offers a double-sink vanity, walk-in closet, and step-in shower. Two additional bedrooms provide comfortable space for family or guests. A convenient half bath is located just off the kitchen for easy access when entertaining, and the inside laundry includes a washer and dryer. A new well was installed in 2026. Hardie board siding offers lasting quality with minimal maintenance, making this home an ideal weekend getaway or full-time residence. Furnishings are negotiable, making it even easier to settle in and start enjoying the lake. Conveniently located between Ocala, Palatka, and Gainesville. Come enjoy everything lake life has to offer on beautiful Island Lake!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,736
Sqft
2.59 ac
Lot size
2010
Year built
One
Levels
$248
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.
$3,241 /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
$3,241/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
$248 vs $201
Days on market
2 vs 34 typical
Where $248/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)
23 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 711% 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 22348 NE 112TH 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$550,000
22380 NE 112TH TERRACE · same community
4 bd · 4 ba · 4,000 sqft · $138/sqft · 60 DOM
Sold · Aug ’25$261,900
12150 NE 230TH STREET
3 bd · 2 ba · 1,611 sqft · $163/sqft · 65 DOM
Sold · May ’26$321,000
10550 NE 222ND PLACE ROAD
2 bd · 2 ba · 1,582 sqft · $203/sqft · 87 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 22348 NE 112TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22348 NE 112TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
22348 NE 112TH TERRACE FAQs
What would the monthly payment be for 22348 NE 112TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,241/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 22348 NE 112TH TERRACE?+
The most recent tax bill on record (2025) was $4,313. 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 $430,000, this home is listed about 153% 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 22348 NE 112TH 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
Three things that matter here
01Positioned at the premium end
$430,000 runs 711% above the FORT MC COY 32134 median — but at 1,736 sqft it's also 70% 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.
03Fresh on the market
Only 2 days on market in a Fort Mc Coy market that averages 34 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX FOXFIRE - HWY 40 · Kathy Carpenter. MLS #OM730065.
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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