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Sold·Closed Sep 12, 2025·41 days on market
1900 State Road 21
Melrose, FL 32666
About this home
Melrose
Come for the lake, stay for the Family Compound! Discover this rare Lake to road deep 2.5-acre Lake Santa Fe property. 6 total-bedrooms, 5 total-bathrooms, this property include three homes. The Gated main house includes 2362sqft, fully updated for modern comfort. Featuring stunning terrazzo floors and spacious living areas. This home is perfect for family gatherings or quiet retreats. Enjoy peace of mind with a 2023 roof, new windows, updated HVAC, gas on-demand water heater, 22kw whole-house generator, a new dock (2023) and a recently renovated kitchen. The well and water system are also upgraded for reliability. Nestled on 2.5 acres along Lake Santa Fe, this deep lot includes 101 feet of lake front with a private canal for secure boat anchoring and a 24x36 RV pole barn. The ''cottage'' is a 1 bed 1 bath mother-in-law/guest suite with a carport, front porch, full kitchen and separate laundry room. The ''studio'' is a road front 1 bedroom studio. Situated behind the studio is a
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: Metal — 2023 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Solar potential: ~1,616 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 9 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 6 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 8 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 $228/sq ft; this home is listed at $382/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 460 SE 4th Avenue, Melrose, FL 32666Listed by TREVOR WATERS REALTY, INC. | Dec 2025 | $550,000 | $265 | 3/2 | 2,072 | 279 | 1.4 |
| 378 SE 34th Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Apr 2026 | $600,000 | $228 | 3/2 | 2,636 | 14 | 1.5 |
| 2444 SE CR 21B, Melrose, FL 32666Listed by CB ISAAC REALTY | Nov 2025 | $1,300,000 | $502 | 3/3 | 2,590 | 124 | 1.5 |
| 433 SE 34th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $421,000 | $185 | 4/3 | 2,272 | 61 | 1.6 |
| 308 SE 2nd Avenue, Melrose, FL 32666Listed by CW REALTY | Sep 2025 | $530,000 | $183 | 3/2.5 | 2,904 | 189 | 1.6 |
| 7932 Breezy Point Road W, Melrose, FL 32666Listed by DOGWOOD REALTY | Aug 2026 | $503,000 | $168 | 3/2 | 2,995 | 10 | 1.7 |
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 Sep 12, 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
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