$289,900
21875 NE 135TH LANE, FORT MC COY, FL 32134
Beds
3
Baths
2
Sq Ft
1,450 sq ft
Year Built
2002
Lot Size
0.52 acres
Garage
2
About This Property
Come for the home—bring the boat, fishing poles, and your sense of adventure—the Florida lifestyle is waiting. Welcome to the Florida lifestyle where days on the water are always within reach! This home offers the perfect setting for those who love boating, fishing, and making the most of Florida’s year-round outdoor living.Enjoy the convenience of a community dock, ideal for taking in peaceful water views, enjoying an evening sunset, or connecting with neighbors. Ready to launch the boat? Moorehead Park’s public boat ramp is approximately 5 minutes away, making spontaneous days on the water easy. Spend your mornings fishing, your afternoons cruising local waterways, and your evenings relaxing close to home. Whether you're looking for a full-time Florida residence, seasonal retreat, or simply a place where recreation is part of everyday life, this location delivers. Beyond the water, the surrounding Ocala National Forest offers countless opportunities to enjoy nature, from scenic drives and trails to nearby springs and outdoor recreation. And when it's time for groceries, dining, shopping, and everyday conveniences. 30 minutes in either direction make Palatka and Ocala within easy reach of this 3/2/2 CBS Home on .52 acres with community access to dock on Lake Kerr. Whole house alarm with contacts on all windows. Equipment shed out back and additional carport. Freshly painted with vaulted ceilings. Light fixtures with ceiling fans all walk in closets in each bedroom. New flooring throughout w/tile in wet areas. Inside laundry w/laundry sink. Screened in lanai w/concrete outdoor patio. Split plan. New storm doors recently installed. Great room. Minutes from Palatka for Shopping. Salt Springs recreational area is minutes away as well as countless Florida springs and waterways.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
40 E Hwy 314 North: T/L on 127th St RD: T/R on NE 219; T/L on NE 135 Ln to home on Right
Location
21875 NE 135TH LANE, FORT MC COY, FL 32134
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$289,900
Loan Term
How to Buy This Home
Multiple financing options available for this $289,900 home in FORT MC COY.
🏛️
FHA Loan
$10,147 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$14,495 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 14, 2026.