Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active·7 days on market

13651 NE 237th Court

Fort McCoy, FL 32134

$299,000$402/sqftEst. $1,536/moMLS# 2160547

Beds

Baths

744

Sq Ft

1973

Built

—

Garage

Pool

About this home

Fort McCoy

WATERFRONT LIVING WITH LAKE KERR JUST MOMENTS FROM YOUR DOCK! A short cruise along the waterway brings you to the open waters of beautiful Lake Kerr for boating, fishing, kayaking & swimming. Enjoy peaceful mornings, sunset cruises & endless days on the water. The impressive 3-level dock offers great space for your boat, fishing & relaxing by the water. A private ramp makes launching smaller watercraft easy, plus there's a live well for the fishing enthusiast. The property features a 2BR/2BA mobile home, large covered paver patio, shed & spacious paver driveway. YOU OWN THE LAND--NO LOT RENT! The expansive covered patio creates the perfect outdoor living space for grilling, entertaining or simply relaxing after a day on the lake. There's plenty of room for your boating, fishing & outdoor gear.

Cost to own

Mortgage calculator

Home Price

$299,000

Down Payment: 20%

$59,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,536

Principal & Interest: $1,536

Insurance (est.): $199

Estimated Total Monthly

$1,735

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$1,536

Estimated total, before insurance$1,536/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Metal — year not disclosed (home built 1973)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Septic system (public record) · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,699 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History