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Sold

Sold·Closed Jun 29, 2026·305 days on market

8160 Alderman Road

Melrose, FL 32666

$257,000sold priceListed at $299,500 · 85.8% of asking$181/sqftMLS# 2103106
2
Beds
2
Baths
1,416
Sq Ft
1955
Built
—
Garage
No
Pool
No HOA0.43 acresWaterfrontSingle Family Residence1 story

About this home

Melrose

Escape to your own slice of paradise on the serene shores of Lake Geneva! The property has an elevated 0.43 acre lot with Old Florida charm that has beautiful oaks and 100 feet on the water. This Comfortable 2-bedroom, 2-bathroom concrete block lake house spans 1,416 sqft, offering cozy living with a brand-new metal roof for peace of mind. It has carpet in the bedrooms and tile floors throughout the rest of the home. Enjoy the convenience of fishing and boating from your back yard or just take in the wonderful view of Lake Geneva from your lakeside patio. Don't miss this home because it won't last!

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$1,424
Property taxesest. at asking price, Clay County$394
Estimated total, before insurance$1,817/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,326/yr · $194/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

$257,000
$51,400
Loan Term
Monthly Payment
$1,424
Principal & Interest: $1,424
Property taxes (est.): $394
Insurance (est.): $171
Estimated Total Monthly
$1,989
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1955)

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

Solar potential: ~1,158 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$143,256$138,540—
2024$138,220$125,946—
2023$130,432$114,497—
2022$111,818$104,089—
2021$94,627$94,627—
2020$92,785$87,436—

2024 property taxes (current owner): $2,326/yr

Estimated taxes if purchased at asking price: ~$4,700/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 (2025), 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 $195/sq ft; this home is listed at $212/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6930 County Road 214, Melrose, FL 32666Listed by EPIQUE REALTY, INCJun 2026$180,000$1213/21,488560.7
6836 Womans Club Drive, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYNov 2025$375,000$2083/21,8043471.2
645 Shady Lane, Keystone Heights, FL 32656Listed by COLDWELL BANKER VANGUARD REALTYAug 2025$250,000$1393/21,796321.3
635 SW Cardinal Drive, Keystone Heights, FL 32656Listed by CW REALTYJul 2026$272,500$1953/21,39861.4
430 SW Jasmine Avenue, Keystone Heights, FL 32656Listed by REAL BROKER LLCOct 2026$224,800$1913/21,1761391.5
692 SE 41st Street, Keystone Heights, FL 32656Listed by HELEN HERSEY REALTYAug 2026$295,000$2193/21,344141.5

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$299,500
Price / Sq Ft$212
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,416
Total Structure Area1,703 sq ft
Acres0.43 acres
Year Built1955
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

Community Information

Address8160 Alderman Road, Melrose, FL 32666
Area151-Keystone Heights
SubdivisionMetes & Bounds
CityMelrose
CountyClay
StateFL
Zip Code32666
Lot Size18,730.8 sq ft
Lot Dimensions100x224x100(w)x188
Parcel Number31082300480000000

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingAttached, Carport
ViewLake
Waterfront TypeLake Front

Interior

AppliancesDishwasher, Electric Oven, Refrigerator
HeatingCentral, Heat Pump
CoolingCentral Air, Wall/Window Unit(s)
FlooringCarpet, Tile
# of Stories1

Exterior

Lot DescriptionFew Trees
Patio / PorchFront Porch
RoofMetal
ConstructionConcrete
Road SurfaceDirt

Additional Information

Date ListedAugust 9, 2025
Days on Market305
Tax Amount$2,325.51
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: TREVOR WATERS REALTY, INC.

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 Jun 29, 2026. 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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