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About this home
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.
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.
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The essentials
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Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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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.
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