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Active

Active·323 days on market

105 Dairy Road

Melrose, FL 32666

$695,000$235/sqftEst. $3,573/moMLS# 2112907

Beds

Baths

2,961

Sq Ft

1985

Built

Garage

Yes

Pool

About this home

Melrose

Discover the perfect blend of charm, space, and country living nestled on over 10 acres. This custom brick home offers the peace of rural living with all the comforts you need. Step inside to a light-filled great room featuring vaulted ceilings, a cozy fireplace, and rich pine hardwood floors that add warmth and character throughout.The spacious kitchen was fully renovated in 2019 offering a grand sized island, gas stovetop, a breakfast bar, a coffee bar, a sunny dining nook with views of the sparkling in-ground pool. Perfect for entertaining or relaxing with family. The primary suite is a true retreat with a large bathroom, ample closet space, and room to unwind. A formal dining room, a dedicated office with private entrance, and a generous utility room provides flexible living options for work and play.

Cost to own

Mortgage calculator

Home Price

$695,000

Down Payment: 20%

$139,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,573

Principal & Interest: $3,573

Insurance (est.): $463

Estimated Total Monthly

$4,036

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$3,573

Estimated total, before insurance$3,573/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,188/yr · $349/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).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,188/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. Sources: Florida DOR certified tax roll, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 1985)

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

Likely septic · Private well (public record)

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,763 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 home

As of July 2026, 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.

History

Price & status history

Oct 10, 2025Listed$695,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$695,000

Price / Sq Ft$235

Bedrooms3

Bathrooms3.00

Full Baths2

Half Baths2

Square Footage2,961

Acres10.30 acres

Year Built1985

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

# of Carport Spaces1

Has PoolYes

Pool FeaturesIn Ground, Fenced, Pool Sweep, Salt Water

Is WaterfrontNo

School Information

ElementaryMelrose

MiddleQ. I. Roberts

HighInterlachen

Community Information

Address105 Dairy Road, Melrose, FL 32666

Area576-Georges Lake

SubdivisionMetes & Bounds

CityMelrose

CountyPutnam

StateFL

Zip Code32666

Lot Size448,668 sq ft

Parcel Number320824000000320010

ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Not Available, Water Not Available

SewerSeptic Tank

Water SourceWell

Green / EnergyAppliances

ParkingAdditional Parking, Attached, Attached Carport, Carport, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Central Vacuum, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Electric Water Heater, Gas Cooktop, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingAttic Fan, Central Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)