1 / 84

Active

Active·494 days on market

163 Boots Road

Melrose, FL 32666

$499,999$300/sqftEst. $2,661/moMLS# 2074617

Beds

Baths

1,664

Sq Ft

2001

Built

Garage

Pool

About this home

Melrose

Enjoy country living on this beautiful 5-acre lot backing up to a dairy pasture providing a tranquil private lifestyle. The spacious split floorplan brick home has an open concept with a screened porch on the front and back of the home. The kitchen features a large walk-in pantry, breakfast nook and formal dining room so plenty of room for entertaining your friends and family. The spacious Master Bedroom has a garden tub and separate shower plus a walk-in closet. The other two bedrooms and guest bath are just off the family room, one with access to the front screened porch. The home comes with an attached two car garage equipped with washer /dryer, Generac, plus two storage sheds. The lot is surrounded by beautiful oak trees and shrubs providing plenty of shade and privacy not to mention lots of wildlife.

Cost to own

Mortgage calculator

Home Price

$499,999

Down Payment: 20%

$100,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,526

Principal & Interest: $2,526

Est. Taxes & Insurance: $631

Estimated Total Monthly

$3,157

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,661

Estimated total, before insurance$2,661/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $2,509/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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 2001)

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: ~1,137 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History