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Sold

Sold·Closed Sep 11, 2025·68 days on market

8186 County Line Road

Melrose, FL 32666

$150,000sold priceListed at $150,000 · 100% of asking$139/sqftMLS# 2089168
2
Beds
2
Baths
1,080
Sq Ft
2008
Built
—
Garage
No
Pool
No HOA15,246 sqft lotManufactured Home1 story

About this home

Melrose

Nestled on a peaceful corner lot that offers country living. A concrete driveway, and a spacious carport—ideal for parking or creating your own shaded outdoor hangout. There's no HOA and no fuss— practical amenities like covered front porch and back deck. Two outbuildings for all those toys. Open lean-to for mower i.e. Fenced. Open plan with split bedrooms. Just a short drive to lakes, shops, and dining. Easy commute to Gainesville, Palatka or Jacksonville.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$831
Property taxesest. at asking price, Clay County$230
Estimated total, before insurance$1,061/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$915/yr · $76/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$150,000
$30,000
Loan Term
Monthly Payment
$831
Principal & Interest: $831
Property taxes (est.): $230
Insurance (est.): $100
Estimated Total Monthly
$1,161
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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: Metal — year not disclosed (home built 2008)

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

Solar potential: ~1,426 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $915/yr

Estimated taxes if purchased at asking price: ~$2,800/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. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

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 $160/sq ft; this home is listed at $139/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
8206 Swan Lake Road, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLCJun 2025$125,000$1602/2780590.2
8232 Swan Lake Road, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTYJan 2026$124,500$1372/29104120.3
8118 County Line Road, Melrose, FL 32666Listed by CB ISAAC REALTYSep 2025$270,000$2343/21,152480.3
8027 Valley Drive, Keystone Heights, FL 32656Listed by HATCH REALTY SERVICESDec 2025$137,000$1243/21,10400.8
6113 Milligan Road, Keystone Heights, FL 32656Listed by CENTURY 21 TRITON REALTYMar 2026$80,000$593/21,352470.9
6099 Milligan Road, Keystone Heights, FL 32656Listed by FUTURE HOME REALTY INCJul 2025$179,990$1703/11,0561010.9

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

Price$150,000
Price / Sq Ft$139
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,080
Total Structure Area1,280 sq ft
Acres0.35 acres
Year Built2008
TypeResidential
Sub-TypeManufactured Home
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address8186 County Line Road, Melrose, FL 32666
Area151-Keystone Heights
SubdivisionHillcrest
CityMelrose
CountyClay
StateFL
Zip Code32666
Lot Size15,246 sq ft
Parcel Number03092302193000200
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingDetached Carport

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesElectric Oven, Electric Water Heater, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringVinyl
# of Stories1
LevelsOne

Exterior

Lot DescriptionMany Trees
Patio / PorchCovered, Deck, Front Porch
FencingFenced, Chain Link, Full, Wood
RoofMetal
ConstructionVinyl Siding
Other StructuresShed(s), Workshop
Road SurfaceDirt
Road FrontageCounty Road

Additional Information

Date ListedMay 22, 2025
Days on Market68
Tax Amount$914.9
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HELEN HERSEY REALTY

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 11, 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.

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