Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

1 / 40

Active

Active·157 days on market

25415 NE SR 26

Melrose, FL 32666

$320,000$228/sqftEst. $1,645/moMLS# 2136558

Beds

Baths

1,401

Sq Ft

1885

Built

—

Garage

Pool

About this home

Melrose

Step back in time while enjoying modern possibilities with this beautifully preserved historic home, originally built in 1885 by Henry Baldwin of Naugatuck, Connecticut. Nestled in the heart of picturesque Melrose, Florida, this two-story residence offers a rare blend of heritage, charm, and versatility.Featuring 4 bedrooms and 2.5 bathrooms, the home boasts classic architectural details and inviting living spaces filled with warmth and character. Relax and unwind on the front or back porches, perfect for enjoying Florida's tranquil surroundings, morning coffee, or evening gatherings.The property also includes a quaint metal-roofed workshop, brimming with potential--easily convertible into a charming guest cottage, studio, or creative retreat. There is also another small out building perfect for storage.Adding to its appeal, the property is zoned for home-based business use, offering a unique opportunity. Seller is open to owner financing.

Cost to own

Mortgage calculator

Home Price

$320,000

Down Payment: 20%

$64,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,645

Principal & Interest: $1,645

Insurance (est.): $213

Estimated Total Monthly

$1,858

*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$1,645

Estimated total, before insurance$1,645/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,426/yr · $202/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

2025 property taxes (current owner): $2,426/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 — year not disclosed (home built 1885)

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

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