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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Oct 1, 2026·214 days on market

119 Pine Trail

Melrose, FL 32666

$162,500sold priceListed at $176,900 · 91.9% of asking$181/sqftMLS# 2127337
1
Beds
1
Baths
898
Sq Ft
2024
Built
—
Garage
No
Pool
FEMA Zone XNo HOA0.50 acresSingle Family Residence1 story

About this home

Melrose

MOTIVATED SELLER - BRING YOUR OFFERS! This 2024-built home is move-in ready and waiting for its new owner. Offering 898 sq ft, this thoughtfully designed modern built home features 1 bedroom, 1 bath, plus a versatile bonus room ideal for a home office, nursery, or guest space. The open floor plan showcases luxury vinyl plank flooring, granite countertops, stainless steel appliances, white cabinetry, and a center island overlooking the living area. The spacious primary bedroom, beautifully finished bathroom, and modern finishes throughout create a comfortable, low-maintenance lifestyle. Enjoy peaceful mornings on the covered patio overlooking the Private wooded backyard. Ring Floodlights and cameras included! Whether you're a first-time homebuyer, downsizing, or searching for a weekend retreat, this like-new home is ready for you.

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$900
Estimated total, before insurance$900/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,979/yr · $165/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

$162,500
$32,500
Loan Term
Monthly Payment
$900
Principal & Interest: $900
Insurance (est.): $108
Estimated Total Monthly
$1,008
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2024)

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

Solar potential: ~1,361 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,979/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.

History

Price & status history

  • Oct 4, 2026Closed$176,900
  • Aug 29, 2026Pending$176,900
  • Aug 9, 2026Price change$176,900−$13,000
  • Jul 28, 2026Price change$189,900−$7,100
  • Jan 28, 2026Listed$197,000

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 $235/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
116 Lake Edge Trail, Melrose, FL 32666Listed by MARK SPAIN REAL ESTATENov 2025$215,000$1983/21,085130.8
128 Serenity Drive, Melrose, FL 32666Listed by COLDWELL BANKER VANGUARD REALTYJan 2026$219,000$2352/293081.3

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$176,900
Price / Sq Ft$197
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage898
Acres0.50 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
Has PoolNo
Is WaterfrontNo

Community Information

Address119 Pine Trail, Melrose, FL 32666
Area574-Interlachen-NW
SubdivisionHalfmoon Lake Home
CityMelrose
CountyPutnam
StateFL
Zip Code32666
Lot Size21,780 sq ft
Parcel Number100923340701100030

Amenities

UtilitiesElectricity Available
SewerSeptic Tank
Water SourceWell
ParkingCircular Driveway

Interior

AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Range, Refrigerator, Washer/Dryer Stacked, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringLaminate
# of Stories1
LevelsOne

Exterior

RoofShingle
ConstructionComposition Siding
Road SurfaceDirt
Road FrontageUnimproved

Additional Information

Date ListedJanuary 28, 2026
Days on Market214
Tax Amount$1,979.25
Tax Year2025
Listing TermsCash, Conventional, FHA
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 Oct 1, 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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