$474,0003 bd · 3 ba · 2,445 sq ft
Active·18 days on market
6116 Trout Street
Melrose, FL 32666
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Melrose
Located in the historic town of Melrose, this spacious 3-bedroom, 3-bath home sits on over 1.23 acres of lush and peaceful landscape. Deeded Access to Melrose Bay includes a 25ft easement with dock for access to Lake Santa Fe to enjoy beautiful views, fishing and kayaking. You are walking distance to small town charm to enjoy art galleries, restaurants, and parks. Open floor plan with lots of natural lighting. Kitchen is spacious and is open to a sunroom with nice built-ins. Nice Terrazzo flooring in main arears of the home are hidden under carpet! With generous living spaces and an ideal location, this home is a rare opportunity to enjoy both comfort and the vibrant lifestyle of downtown Melrose.
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.
Mostly Zone X: 53% of this 1.2-acre lot is outside FEMA's high-risk flood zones
The other 47% is Zone AE (47%). Lenders decide flood insurance by where the house itself stands; the lender's flood determination, a survey or an elevation certificate settles that.
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 1959)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Public water (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: ~1,440 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 homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.
Closest park or preserve
Mike Roess Gold Head Branch State Parkabout 11 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 8 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 10 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.
History
Price & status history
- Oct 20, 2026Active$474,000
- Oct 1, 2026Pending$474,000
- Aug 5, 2026Price change$474,000−$25,000
- Jan 8, 2026Listed$499,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $212/sq ft; this home is listed at $194/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 5710 Trout Street, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTY | Mar 2026 | $375,000 | $125 | 3/3 | 3,009 | 107 | 0.3 |
| 6027 Dogwood Lane, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTY | Nov 2025 | $319,900 | $182 | 3/2 | 1,753 | 93 | 0.4 |
| 6324 Dogwood Lane, Melrose, FL 32666Listed by NICOSIA REALTY INC. | Oct 2025 | $980,000 | $410 | 4/3 | 2,389 | 90 | 0.4 |
| 308 SE 2nd Avenue, Melrose, FL 32666Listed by CW REALTY | Sep 2025 | $530,000 | $183 | 3/2.5 | 2,904 | 189 | 0.8 |
| 460 SE 4th Avenue, Melrose, FL 32666Listed by TREVOR WATERS REALTY, INC. | Dec 2025 | $550,000 | $265 | 3/2 | 2,072 | 279 | 0.9 |
| 4704 NE 255th Drive, Melrose, FL 32666Listed by CHAD AND SANDY REAL ESTATE GROUP | Jan 2026 | $455,000 | $212 | 2/2 | 2,147 | 25 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CB ISAAC REALTY
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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines