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Active

Active·140 days on market

110 Ashley Lake Drive

Melrose, FL 32666

$405,000$208/sqftEst. $2,065/moMLS# 2133439

Beds

Baths

1,946

Sq Ft

2026

Built

Garage

Pool

About this home

Melrose

Welcome to this beautifully designed new construction home in the heart of Melrose, FL. This to-be-built 3-bedroom, 2 bath residence is underway with site work in progress, offering buyers the opportunity to select finishes depending on the stage of construction. The home will feature approximately 1,947 SF of conditioned living space and 3,331 SF total under roof including garage and porches. Framed by mature oak canopies, the exterior showcases warm earth-tone finishes, stone accents, and a covered front porch. Inside, the open layout features wood-look flooring, crown molding, natural light, and a stone fireplace. The kitchen offers white cabinetry, a large island, and stainless appliances. The primary suite includes tray ceilings and peaceful views. Covered rear porch. Renderings: final selections may vary.

Cost to own

Mortgage calculator

Home Price

$405,000

Down Payment: 20%

$81,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,065

Principal & Interest: $2,065

Insurance (est.): $270

Estimated Total Monthly

$2,335

*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$2,065

HOAbilled annually$5

Estimated total, before insurance$2,070/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $334/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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,481 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