10399 NE 218th Lane Rd, photo 1
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Overview

4 bd2 ba2,178 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1960
Lot51,836 sqft
Living area2,178 sqft
Price / sqft$197
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Primarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsThermostatWindow TreatmentsBalconyDishwasherDryer

10399 NE 218th Lane Rd is a 1960-built home in Lake Pegram, Fort MC Coy. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,178 square feet of living space. Listed at $429,900 (about $197/sqft), 355 days on market. Flood zone X/A - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

HUGE PRICE REDUCTION**Dream no more—welcome to your own 1+ acre lakefront retreat on the pristine shores of private Pegram Lake, a 90-acre spring-fed gem. This residence, the very first home ever built on the lake, has been completely reimagined—renovated down to the studs. Every detail has been thoughtfully designed, blending luxury finishes with the natural beauty of Florida living. Here, life on the water is effortless—enjoy boating, jet skiing, fishing, or simply relaxing along your own shoreline. Across the lake, a private island adds to the charm of this natural oasis. The lake is also a sanctuary for Florida’s native wildlife; it’s not uncommon to see graceful sandhill cranes, herons, and geese migrating along the shoreline, creating a peaceful and picturesque backdrop. The grounds feature a lovely pollinator garden, perfect for cultivating your favorite plants or simply enjoying the serenity of the outdoors. The gourmet kitchen is a showstopper, boasting exotic granite countertops, custom cabinetry, custom farmhouse sink and a stone-accented fireplace. A spacious island provides bar seating, while the open dining area features a built-in butler’s cabinet—all overlooking breathtaking lake views. The spa-inspired main-level bath offers a glass shower and freestanding tub with barn-door entry. An enclosed Florida room under A/C flows seamlessly to the lakeside porch, while upstairs(FULLY OPENED UP TO ACCESS SECOND STORY) you’ll find 2 bedrooms, a second fully renovated bath, and even a second kitchen—making this home an ideal AirBnB or multi-generational retreat. Rental potential is outstanding, with nightly rates of $250–$300 or $1,500–$1,800 per week. This is more than a home—it’s a lifestyle, a sanctuary, and an investment opportunity all in one. Bring your family, friends, or guests and experience the rare beauty of Florida lakefront living.

The essentials

Built
1960
Price / sqft
$197
On market
408 days
Annual tax
$4,315
Flood zone
X/A · Low risk
Lot
51,836 sqft
Type
Single Family Residence

At a glance

Single family
Built 1960
2 car garage
1.19 acres
Lot size
2,178 sqft
Living area

Payment

Est. monthly payment
$2,817/mo
Down payment (20%)
$85,980
Property taxes
$360/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1960
Lot
51,836 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
408
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Window Treatments
Balcony
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Fort McCoy School (K-8)
Middle
Ft McCoy Middle
High
North Marion High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X/A
Annual Tax (2024)
$4,315
Parcel #
04541-000-00

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lake Pegram
County
Marion
MLS Area
32134 - Fort Mc Coy/Salt Springs
Lot Size
51,836 sqft

Price history

Date
Event
Price
8/31/2026
Price change
Source: Stellar MLS #OM708396
$429,900-4.4%
$197/sqft
-
Price change
Source: Stellar MLS #OM708396
$449,900-25.0%
$207/sqft
8/27/2025
Listed for sale
Source: Stellar MLS #OM708396
$599,900
$275/sqft

Neighborhood

10399 NE 218th Lane Rd
Fort MC Coy, FL, 32134 · 32134 - Fort Mc Coy/Salt Springs

Market insights

Offer Insights

Choose an offer strength

List price: $429,900
$405,000 – $429,900
94.1% – 100% of listTops out right at the list price
80% of listList price
44 of the last 86 home closings in 32134 landed at this number or higher (51%). The median one sat 45 days before it went under contract, and this one is on day 408 after a $170,000 cut.

Sample: 86 closed home sales in 32134 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,817/mo
Principal & interest$2,242
Property taxes$360
Insurance$215
Down payment20% · $85,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$429,900

$197 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,178 sq ft

Time on market

408 days

Year built

1960

Monthly payment

About $2,817/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,315 annual tax bill, insurance.

Flood zone

Zone X/A

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byCRYSTAL SNOOK REAL ESTATEListing agent: Ashley SextonListing data from Stellar MLS, MLS# OM708396.

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