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Any masters who started late

I don’t think it’s worth much to ask others what you may or may not be able to achieve. The only way to know what you can achieve is by trying. Set goals, make time to work towards those goals and see what happens. Successful people don’t ask others what they may or may not be able to do.
@jg777 I beg to differ. FM title is a self-serving goal. Take for example a guy who wants to be able to bench press 100 kg and works towards achieving that goal. Either he achieves it or not he'll be left with a muscular body which is a byproduct of the process he underwent himself to.

In the OP's case byproduct would be getting stronger at chess which I don't think OP would be satisfied with because if he wanted to just get better he wouldn't be asking about the FM title in the first place. So it makes sense to ask more experiences players for an opinion.
"Axel Smith started taking chess seriously at 21 and became GM at 27 :D"

Wow. Just amazing!
Axel Smith was >2200 with 21. Born 1986, at the end of 2007 close to 2400.

You believe in every fairy-tale...

Good job by him - but don’t think that he started from scratch in his twenties.
I started fairly late. I never played a tournament until I was 15 almost 16, at around 1300-1400 strength. It took me around 8 years, but I finally made Master in 2018.

I do think that older chess players have a shot to become a master. IM/GM would be tough, but I think Master strength is doable for anyone who really puts their mind to it - the tough part is making time for chess, because most adults can't set aside 20 hours a week for chess improvement!

That said, I'm hoping to help ambitious chess players become a master in a fraction of the time it took me - since becoming a Master, I've put together a large amount of free chess resources on Chesspathways.com to do just that!

And Axel Smith also 2100 when he was 16/17 (2139 on the Jan 2003 rating list).

There are other examples of people moving from good club players to GM strength in their 20s - e.g. Jonathan Hawkins went from 1800/1900 in his late teens to become a GM. But its a bit different from starting from nothing at 21.

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