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Active

Active·244 days on market

730+732 State Road 26

Melrose, FL 32666

$450,900$209/sqftEst. $2,299/moMLS# 2120326

Beds

Baths

2,158

Sq Ft

1995

Built

—

Garage

Pool

About this home

Melrose

Welcome to this touch of paradise hidden from the road. Approximately 600 ft from the road, this spacious 3 bedroom/ 2 bath brick home is situated on two parcels totaling 4.47 acres. Wood burning fireplace with built in benches on each side. Garage has been converted into a master bedroom with 2 built in closets, a bathroom, and a laundry room. Large kitchen with farmhouse sink, lots of counter space, soft close cabinets, and a pantry. All appliances stay. Lots of storage throughout the home. Built in Ikea shelves in family room. Enjoy your coffee while sitting out on the back deck overlooking the back yard. Chicken coop in backyard. Well bladder tank replaced within the last 10 yrs. Metal roof 1995 and HVAC installed 2002. Ceiling and interior walls recently painted. Shipping container used for storage. Green shed has electric. 300' frontage of Lake Serena. Two entrances on property. Country living at it's best! Additional Parcel ID: 10-09-23-0000-0282-0000/732 SR26 - 1.84 acres

Cost to own

Mortgage calculator

Home Price

$450,900

Down Payment: 20%

$90,180

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,299

Principal & Interest: $2,299

Insurance (est.): $301

Estimated Total Monthly

$2,600

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,299

Estimated total, before insurance$2,299/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,378/yr · $198/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): $2,378/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: Metal — 1995 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Likely septic

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: ~1,407 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

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