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Sold·Closed Dec 31, 2025·279 days on market
460 SE 4th Avenue
Melrose, FL 32666
About this home
Melrose
PRICED TO MOVE, this Melrose waterfront retreat is one of the best values on the market. Set on a private canal just off Lake Santa Fe, this 3-bed, 2-bath home with a large bonus room delivers rare amenities at this price point—an oversized screened pool, a private dock with boat lift, and a 3-car climate-controlled garage ideal for storage, hobbies, or a home workshop. Inside, the bright open layout flows to a spacious kitchen and a generous living area perfect for entertaining. The split floor plan offers a private primary suite, while the bonus room adds endless flexibility for guests, office, or recreation. With direct, easy access to one of Florida's premier lakes, well-maintained systems, and a lifestyle that's hard to duplicate at this price, this is a property worth a second look. Opportunities like this don't last.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1980)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,597 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Mike Roess Gold Head Branch State Parkabout 10 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 7 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 9 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $233/sq ft; this home is listed at $289/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6027 Dogwood Lane, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTY | Nov 2025 | $319,900 | $182 | 3/2 | 1,753 | 93 | 0.9 |
| 6324 Dogwood Lane, Melrose, FL 32666Listed by NICOSIA REALTY INC. | Oct 2025 | $980,000 | $410 | 4/3 | 2,389 | 90 | 0.9 |
| 1900 State Road 21, Melrose, FL 32666Listed by TREVOR WATERS REALTY, INC. | Sep 2025 | $860,000 | $370 | 4/3 | 2,326 | 41 | 1.4 |
| 8491 Lilly Lake Road, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2025 | $485,000 | $224 | 4/2.5 | 2,162 | 87 | 1.7 |
| 23611 NE State Road 26, Melrose, FL 32666Listed by MARK SPAIN REAL ESTATE | Aug 2026 | $325,000 | $141 | 3/2 | 2,301 | 25 | 1.8 |
| 8453 Nittany Drive, Melrose, FL 32666Listed by FIRST CHOICE REALTY OF NORTH FLORIDA, LLC | Apr 2026 | $385,000 | $233 | 3/3 | 1,654 | 175 | 1.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: TREVOR WATERS REALTY, INC.
Sold by: NON MLS (realMLS) (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Dec 31, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines