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Sold·Closed Sep 30, 2025·47 days on market
8485 Lily Lake Road
Melrose, FL 32666
About this home
Melrose
Custom built and continually updated home on coveted Lilly Lake nestled between Keystone Heights and Melrose! The main living space consists of one primary suite, two bedrooms, full baths, dining, living and a bonus room. The lower level houses a large laundry room with additional storage closet, second primary suite, full bath, wet bar and recreation/living room. The upper level has a lakeside deck that can be accessed from the living room as well as the primary suite. The lower level has a lakeside screened porch. A detached garage has plenty of storage for boats and lake toys as well as a full bath and second laundry hook up. Updates include 3/4'' oak hardwood floors, ceramic tile, carpet, septic tanks pumped and drain field replaced, HVAC, irrigation system with two Rainbird controllers, orange, grapefruit and fig trees. The home has a central vacuum system, crawl space for extra storage and many closets! Don't miss this amazing home where you can vacation all year!
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 (that applies to the reference bill above too).
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 1992)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,584 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.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $3,381/yr
Estimated taxes if purchased at asking price: ~$14,400/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 $183/sq ft; this home is listed at $272/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 6192 County Rd 219, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INC | Dec 2025 | $615,000 | $254 | 4/3 | 2,418 | 259 | 0.9 |
| 6437 Baker Road, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | May 2025 | $500,000 | $207 | 4/2.5 | 2,419 | 59 | 1 |
| 6249 Blue Marlin Drive, Keystone Heights, FL 32656Listed by KELLER WILLIAMS ST JOHNS | Dec 2025 | $410,000 | $180 | 4/3 | 2,272 | 7 | 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 |
| 6220 Blue Marlin Drive, Keystone Heights, FL 32656Listed by KELLER WILLIAMS ST JOHNS | Dec 2025 | $410,000 | $180 | 4/3 | 2,272 | 13 | 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: FLORIDA HOMES REALTY & MTG LLC
Sold by: CB ISAAC REALTY (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 30, 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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