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Sold

Sold·Closed Jun 2, 2026·3 days on market

103 Deep Lake Trail

Melrose, FL 32666

$475,000sold priceListed at $479,900 · 99% of asking$229/sqftMLS# 2137168
3
Beds
2
Baths
2,072
Sq Ft
2004
Built
2
Garage
Yes
Pool
No HOA2.48 acresWaterfrontSingle Family Residence1 story

About this home

Melrose

Charm, warmth, and elegance define this beautiful pool and lake home designed for relaxed Florida living. Featuring soaring 10-foot ceilings and a spacious layout, this exceptionally well-maintained home offers stunning views of the pool, lake, and private backyard the moment you enter. The new roof (2026) includes GAF's top-tier transferable warranty, along with a recent HVAC system for added comfort and efficiency. Enjoy the pool year-round with a recent oversized Pentair pool heater. The spacious living room features a wood-burning fireplace, while the kitchen offers abundant wood cabinetry and granite countertops. Additional features include a GenerLink transfer switch installed by Clay Electric, 2-car garage, water softener, and a 19'x11' aluminum shed with electric. Situated on 2.48 beautifully wooded acres, the property is accessed by a scenic driveway providing privacy from the road.

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$2,631
Estimated total, before insurance$2,631/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,225/yr · $269/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

$475,000
$95,000
Loan Term
Monthly Payment
$2,631
Principal & Interest: $2,631
Insurance (est.): $317
Estimated Total Monthly
$2,948
*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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2026 per the listing

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

Solar potential: ~1,630 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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): $3,225/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.

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 $184/sq ft; this home is listed at $232/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
141 Tucker Lake Road, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTYJul 2026$325,000$2023/21,6121320.5
1375 State Route 100, Melrose, FL 32666Listed by REAL BROKER LLCMay 2026$180,000$843/22,142702
204 1st Street, Melrose, FL 32666Listed by YOUR HOME SOLD GUARANTEED JESSE WARMKA TEAMApr 2025$315,000$1525/32,0761602
240 Swan Lake Drive, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INCAug 2026$427,500$2263/21,890312.3
917 County Road 315, Melrose, FL 32666Listed by INTERLACHEN REALTY SERVICES, INCMay 2025$329,000$1483/22,225332.3
251 Swan Lake Drive, Melrose, FL 32666Listed by RIVER CITY RENTALS AND REALTYSep 2026$367,000$1843/22,000262.5

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$479,900
Price / Sq Ft$232
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,072
Acres2.48 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Waterfall
Is WaterfrontYes

Community Information

Address103 Deep Lake Trail, Melrose, FL 32666
Area574-Interlachen-NW
SubdivisionSwisher Lakes
CityMelrose
CountyPutnam
StateFL
Zip Code32666
Lot Size108,028.8 sq ft
Parcel Number120923000001220222

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourceWell
ParkingGarage, Garage Door Opener
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Nook
AppliancesDishwasher, Electric Cooktop, Electric Oven
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringCarpet, Wood
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Spa FeaturesIn Ground

Exterior

Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingFenced
RoofShingle
ConstructionFiber Cement
Other StructuresGreenhouse, Shed(s)
Road SurfaceAsphalt

Additional Information

Date ListedMarch 28, 2026
Days on Market3
Tax Amount$3,224.76
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
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 Jun 2, 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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