Fort McCoy, FL Real Estate Search

Fort McCoy, FL Waterfront Homes for Sale

Fort McCoy, FL, offers a unique opportunity for homebuyers looking for waterfront properties in a serene and picturesque setting. Nestled in the heart of Central Florida, this charming community features a variety of waterfront homes, many of which provide stunning views of lakes, rivers, and lush natural landscapes. With an array of styles, from cozy cottages to larger family homes, buyers can find a property that suits their taste and lifestyle. The allure of waterfront living in Fort McCoy is enhanced by abundant recreational activities, such as fishing, boating, and kayaking, making it an ideal location for nature enthusiasts and those seeking a peaceful retreat. Whether you're looking for a permanent residence or a vacation getaway, Fort McCoy's waterfront homes present a wonderful opportunity to embrace the beauty of Florida's outdoors.

Our website features the best real estate search for waterfront homes available in Fort McCoy, FL and surrounding areas. It is the only site you will ever need! It is easy-to-use and updated by the official REALTOR®’s database every 15 minutes. 

You can save searches, and get daily email alerts of new listings, price changes, sold data, and market reports. Our Interactive Map Search allows you to view properties on a map or refine your search by drawing the boundaries around the area you desire.

Curious about what’s happening in the Fort McCoy, FL real estate market? Sign up for a  Fort McCoy, FL Real Estate Market Report to see what’s active, under contract, and sold!

Newest Fort McCoy, FL Waterfront Homes for Sale

22649 Ne 105th Avenue Road, Fort Mc Coy
$340,000
2 Beds ⋅ 2 Baths ⋅ Island Lake Estates Unit SubDv. ⋅ 32134 Zip Code
CUSTOM FLORIDA LAKE HOUSE CHARM, EXCEPTIONAL CRAFTSMANSHIP, AND PEACEFUL WATERFRONT LIVING ON BEAUTIFUL MILES KALE LAKE! Welcome to the Big Green House, a truly distinctive waterfront retreat where remarkable craftsmanship, warm natural wood finishes, and the timeless beauty of Old Florida come together! Nestled along the shores of spring-fed Miles Kale Lake in Fort McCoy, this beautifully maintained and fully furnished 2-bedroom, 2-bath residence offers an inviting combination of character, spacious living, and thoughtful improvements. Extensively rebuilt and expanded in 2004, the home features updated plumbing, electrical wiring, roof trusses, a standing-seam metal roof, and Hardie board exterior siding. Step inside and immediately appreciate the soaring vaulted ceilings, abundant natural light, and beautiful tongue-and-groove woodwork that create an atmosphere unlike anything you'll find in an ordinary subdivision. The spacious great room provides a wonderful gathering place for family and friends, while the open kitchen features stainless steel appliances, a gas range, generous cabinetry and counter space, a center island with breakfast seating, and an adjoining dining area. Both bathrooms reflect the exceptional cleanliness and care evident throughout the home. Step outside onto the spacious screened waterfront porch, where mornings begin with coffee overlooking the lake and evenings invite you to relax while enjoying the peaceful surroundings and abundant wildlife. According to the longtime owners, Miles Kale Lake is a natural spring-fed lake with a sandy bottom, gradual shoreline slope, and areas of deeper water, offering an inviting setting for fishing, kayaking, boating, and water-sports. With relatively little boat traffic reported by the owners, the lake provides a peaceful escape from the hustle and bustle of everyday life. Accessed from NE 105th Avenue Road, a quiet dirt road, the property offers a peaceful setting away from busy streets. Offered furnished, including appliances and household essentials, this property is ready for its next chapter! Previously used as a vacation rental, the Big Green House has welcomed paying guests, including repeat visitors who have returned to enjoy this special waterfront setting. Selected rental reservation and payment documentation is available for review, providing additional information for buyers interested in exploring continued vacation rental use, subject to applicable regulations. Whether you're searching for a full-time waterfront residence, a seasonal winter retreat, a family gathering place, or a weekend getaway, this beautiful Florida lake house offers something truly special. Conveniently located within reach of Silver Springs State Park, the Ocala National Forest, the World Equestrian Center, and Historic Downtown Ocala, you'll enjoy access to some of North Central Florida's finest outdoor recreation, dining, and entertainment. The neighboring Brown Cottage and an additional wooded waterfront parcel are also offered individually, or purchase all three adjoining properties together as a unique waterfront package. BEAUTIFUL WOODWORK, VAULTED CEILINGS, EXCEPTIONAL CONDITION, FURNISHED INTERIORS, AND PEACEFUL LAKE VIEWS—COME EXPERIENCE THE BIG GREEN HOUSE AND DISCOVER THE OLD FLORIDA WATERFRONT LIFESTYLE!

22649 Ne 105th Avenue Road, Fort Mc Coy
22645 Ne 105th Avenue Road, Fort Mc Coy
$235,000
2 Beds ⋅ 1 Baths ⋅ Island Lake Estates Unit SubDv. ⋅ 32134 Zip Code
DISCOVER THE TIMELESS CHARM OF OLD FLORIDA WATERFRONT LIVING ON BEAUTIFUL MILES KALE LAKE! Welcome to the Brown Cottage, a delightful furnished lakefront retreat where warm tongue-and-groove woodwork, peaceful water views, and generations of family memories create a truly special atmosphere. Nestled along the shoreline of spring-fed Miles Kale Lake in Fort McCoy, this charming 1-bedroom, 1-bath cottage offers an inviting escape from the hustle and bustle of everyday life. Step inside and experience the character of a classic Florida lake house, featuring beautiful wood ceilings, a comfortable living area, a spacious family room, and a welcoming kitchen and dining area. The screened porch provides a wonderful place to enjoy morning coffee, refreshing lake breezes, and relaxing evenings overlooking the water. Outside, the property's wooden dock offers a place to enjoy the lake, cast a fishing line, or simply take in the peaceful surroundings. According to the longtime owners, Miles Kale Lake is a natural spring-fed lake with a sandy bottom, gradually sloping shoreline, and relatively little boat traffic, making it an inviting setting for kayaking, fishing, and waterfront recreation. The cottage is offered furnished with household essentials, with the dining room furniture excluded from the sale. An attached laundry shed adds everyday convenience. Previously enjoyed by paying vacation guests, including repeat visitors, the property offers an opportunity for buyers interested in exploring continued vacation rental use, subject to applicable regulations. Situated along NE 105th Avenue Road, a quiet dirt road, this waterfront property offers a peaceful rural setting with frontage along the roadway. The existing driveway is shared with the neighboring Green House parcel; separate driveway access may be possible, with legal access documentation currently being reviewed. Conveniently located within reach of Silver Springs State Park, the Ocala National Forest, and Historic Downtown Ocala, the cottage offers opportunities to enjoy the natural beauty and outdoor recreation of North Central Florida. The neighboring Big Green House and an additional wooded waterfront parcel are also available individually, or purchase all three adjoining properties together as a unique waterfront family retreat. WHETHER YOU'RE LOOKING FOR A WEEKEND ESCAPE, SEASONAL GETAWAY, FULL-TIME RESIDENCE, OR A SPECIAL PLACE TO MAKE NEW FAMILY MEMORIES, THE BROWN COTTAGE INVITES YOU TO EXPERIENCE THE SIMPLE PLEASURES OF LIFE ON THE LAKE!

22645 Ne 105th Avenue Road, Fort Mc Coy
22649 & 22645 & Land Ne 105th Avenue Road, Fort Mc Coy
$610,000
Island Lake Estates Unit SubDv. ⋅ 32134 Zip Code
RARE OPPORTUNITY! THREE ADJOINING WATERFRONT PARCELS WITH APPROXIMATELY 300 FEET OF COMBINED LAKE FRONTAGE ON BEAUTIFUL MILES KALE LAKE! TWO FURNISHED FLORIDA LAKE HOUSES, A WOODED WATERFRONT LOT, A WOODEN DOCK, AND A CONCRETE BOAT RAMP—ALL FOR $610,000! Discover the timeless charm of Old Florida in peaceful Fort McCoy! Enjoy towering oak trees draped in Spanish moss, picturesque lake views, spacious waterfront lawns, and inviting outdoor gathering areas. Imagine peaceful mornings beside the water, afternoons exploring the lake, and evenings under the stars surrounded by the sights and sounds of nature. Owned by the same family for generations, these three adjoining parcels present a wonderful opportunity for a private family compound, vacation retreat, or potential rental investment. THE BIG GREEN HOUSE features 2 bedrooms, 2 bathrooms, soaring vaulted ceilings, beautiful tongue-and-groove woodwork, abundant natural light, and large windows overlooking the lake. The spacious great room opens to a welcoming kitchen with stainless steel appliances, gas range, center island, and dining area. Relax on the screened waterfront porch while enjoying peaceful lake views. Extensively rebuilt and expanded in 2004, the home features updated plumbing, electrical wiring, roof trusses, a standing-seam metal roof, and Hardie board siding. THE BROWN COTTAGE offers 1 bedroom, 1 bathroom, gorgeous tongue-and-groove wood interiors, a spacious family room, kitchen and dining area, screened porch, attached laundry shed, and a wooden waterfront dock. Both homes are offered furnished with household essentials, excluding the Brown Cottage's dining room furniture. THE THIRD WATERFRONT PARCEL features approximately 0.44 wooded acres, approximately 90 feet of lake frontage, and an existing concrete boat ramp shown on the survey. Enjoy additional recreational space or explore the possibility of a future homesite, subject to county requirements and verification of buildability. MILES KALE LAKE is a peaceful, spring-fed lake with clear water, a sandy bottom, gently sloping shorelines, and depths reportedly reaching 16–22 feet in some areas. Enjoy fishing, kayaking, boating, watersports, and abundant natural beauty. VACATION RENTAL POTENTIAL! Both homes have welcomed paying guests, including repeat visitors. Seller-reported weekly rental rates are approximately $1,500 for the Green House and $1,349 for the Brown Cottage. Selected rental records are available for review. Comprehensive annual income figures have not been established, and rental rates do not guarantee future income or occupancy. All three parcels front NE 105th Avenue Road, an unpaved private road. Marion County Zoning has verbally confirmed access for all three parcels. The homes currently share a driveway through the Green House parcel; separate entrances have not been constructed. Recorded access rights are under title review. NO HOA! Convenient to Silver Springs State Park, Ocala National Forest, and Historic Downtown Ocala. Properties also offered individually: Green House $340,000, Brown Cottage $235,000, and vacant waterfront lot $50,000. PURCHASE ALL THREE FOR $610,000—A $15,000 SAVINGS OVER THE COMBINED INDIVIDUAL PRICES! WHETHER YOU ENVISION A FAMILY LAKEFRONT COMPOUND, WEEKEND RETREAT, OR WATERFRONT INVESTMENT, THIS UNIQUE OFFERING DELIVERS TWO CHARMING FLORIDA LAKE HOUSES, APPROXIMATELY 300 FEET OF COMBINED LAKE FRONTAGE, AND AN UNFORGETTABLE OLD FLORIDA LIFESTYLE!

22649 & 22645 & Land Ne 105th Avenue Road, Fort Mc Coy
7827 Ne 310th Avenue, Fort Mc Coy
$1,300,000
4 Beds ⋅ 5 Baths ⋅ Yellowbluff SubDv. ⋅ 32134 Zip Code
**EXPERIENCE THE ULTIMATE LAKE GEORGE WATERFRONT LIFESTYLE!** Welcome to an extraordinary lakefront retreat where luxury, privacy, and Old Florida beauty come together on **2.68 scenic acres overlooking magnificent Lake George**. Offering **4 bedrooms, 4.5 bathrooms, and 4,134 square feet of living space**, this impressive home is designed to capture breathtaking water views while providing the perfect setting for entertaining, relaxing, and enjoying life on the water. Step inside to an inviting open-concept living area where expansive lake views create a spectacular backdrop. The home features a **fireplace, gourmet kitchen with gas cooktop, wet bar, generous workspace, and spacious gathering areas** ideal for entertaining family and friends. The primary suite is a private sanctuary featuring its own balcony overlooking Lake George—an incredible place to enjoy your morning coffee while watching the sunrise over the water. The home also offers a private in-law/guest suite, ideal for extended family, overnight guests, or multi-generational living. The **basement is divided into two separate rooms**, creating additional flexible space with endless possibilities for a game room, home theater, fitness room, office, hobby room, or additional entertaining space. Outside is where this property truly shines. Surrounded by **2.68 acres**, you'll enjoy plenty of room to relax and experience the natural beauty and wildlife of North Central Florida. Outdoor features include multiple balconies, a fire pit, raised garden beds with a drip irrigation system, storage shed, and separate carport. For the boating and fishing enthusiast, this is the Florida lifestyle you've been searching for! A **private approximately 450-foot dock and boathouse** extend out onto Lake George, offering direct access to exceptional fishing, boating, kayaking, swimming, and exploring. Spend the morning fishing from your own dock, launch the boat for a day on the water, or cruise to the crystal-clear waters of **Silver Glen Springs**. From Lake George, enjoy access to the **St. Johns River** and miles of incredible waterways, natural springs, wildlife, and some of Florida's most beautiful scenery. Imagine evenings around the fire pit, mornings watching wildlife along the shoreline, afternoons boating the St. Johns River, and weekends exploring nearby **Silver Glen Springs, Salt Springs, and Juniper Springs**. This isn't simply a waterfront home—it's an opportunity to embrace an exceptional Florida lifestyle. Additional features include a **metal roof, high-impact windows, automatic storm shutters at the primary balcony, two HVAC systems, 500-gallon propane tank, and whole-house Generac generator**, providing added comfort and peace of mind. Whether you're searching for a **luxury full-time residence, private family retreat, or unforgettable waterfront escape**, this one-of-a-kind Lake George property offers the space, privacy, recreation, and waterfront lifestyle that are increasingly difficult to find.

7827 Ne 310th Avenue, Fort Mc Coy
14551 Ne 210th Court Road, Fort Mc Coy
$209,900
2 Beds ⋅ 2 Baths ⋅ Titcombs SubDv. ⋅ 32134 Zip Code
Lake Kerr getaway! Tucked away in the peaceful country setting of Salt Springs, this 2-bedroom, 2-bath home offers the perfect opportunity for a weekend retreat, lake house, or comfortable retirement getaway. Situated on a canal leading to beautiful Lake Kerr, the property puts you close to the water and all the outdoor recreation the area has to provide! The home features approximately 1,140 square feet of living space, with more than 2,000 square feet of total usable space. The fenced property includes a carport and two enclosed sheds, providing plenty of room for storage, hobbies, tools, projects, or a dedicated workshop area! Home also features a whole home Generac generator! Whether you're looking for a place to escape the hustle and bustle, spend weekends enjoying the lake, or settle into a quieter retirement lifestyle, this property offers a unique combination of privacy, space, and access to the water. Come enjoy the relaxed pace of Salt Springs and make the Lake Kerr retreat your own!

14551 Ne 210th Court Road, Fort Mc Coy
21994 Ne 106th Avenue, Fort Mc Coy
$279,000
2 Beds ⋅ 2 Baths ⋅ Pegram Lake SubDv. ⋅ 32134 Zip Code
This lakefront retreat is being sold completely furnished, it includes; furniture, decorations, kitchen items, beds, linens, and more, making it easy to settle in and enjoy your time at the lake. The charming 2 bedroom, 2 bath waterfront home on Pegram Lake offers a peaceful setting and everything you need to start enjoying lake life right away. Enter through the front screened porch into this attractively decorated home featuring tile flooring throughout. The living room overlooks the lake, allowing you to enjoy the waterfront setting from the comfort of your home. The primary suite features a lake view, walk-in closet, step-in shower, and a private entrance from the rear wood deck. The rear screened porch overlooking the lake is the perfect spot to relax and enjoy beautiful sunsets. Outside, a patio area with a picnic table provides a great space for grilling and outdoor gatherings. The dock is equipped with water and electricity for added convenience. Additional features include a new roof in 2023 and updated windows. Two outbuildings with electricity provide plenty of storage, and the sale includes a lawnmower, generator, yard tools, and more for your convenience. The property is mostly fenced, with open areas near the lake. Optional HOA dues of just $50 per year provide access to the community boat ramp on the adjoining lot. Whether you're looking for a weekend getaway, seasonal retreat, or a full-time waterfront home, this property is a great choice. Conveniently located between Ocala, Gainesville, and Palatka.

21994 Ne 106th Avenue, Fort Mc Coy
14120 Ne 110th Avenue Road, Fort Mc Coy
$70,000
2 Beds ⋅ 1 Baths ⋅ Lake Forest Estate SubDv. ⋅ 32134 Zip Code
4.03 Acres on Lake Albritton includes homesite which needs either renovated or demo and build new. This property is super unique with large variety of towering bamboo, massive live Oak trees, palms, olive trees and many varieties of flowering plants. Lots of potential on this beautiful property. Home was originally built in 1962 and includes 2 bedrooms, 1 bathroom, kitchen, dining and living rooms. We have an estimate to demo the home as well. Located 10 minutes from downtown Fort McCoy with a grocery store, doctor's office, pharmacy, hardware, gas station, pizza, and more. Short drive to Silver Springs which includes Walmart, Lowes, Bealls, Outback and many more of your favorite shopping spots and restaurants. Ocala is only another 10 minutes from Silver Springs with vibrant night life and lots of entertainment options and restaurants. Gainesville(Home of Florida Gators) is only 50 minutes to downtown. If you’re a fisherman, or hunter or simply love hiking, canoeing or kayaking you are in luck! Minutes to Ocklawaha River, Ocala National Forest, and many natural springs(Salt Springs, Silver Glen Springs, Juniper Springs), horseback and walking trails, and off-road vehicle trails await your explorations. One-of-a-kind property and location! Ready for new owners!

14120 Ne 110th Avenue Road, Fort Mc Coy
Start Your Search

How much is your home worth?

Get instant property value now!