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Active

Active·113 days on market

129 Crystal Lake Drive

Melrose, FL 32666

$235,000$109/sqftEst. $1,198/moMLS# 2137812

Beds

Baths

2,150

Sq Ft

1999

Built

—

Garage

Pool

About this home

Melrose

Well-maintained triple-wide mobile home located in Ashley Lake Plantation on 1.02 acres with AG zoning, offering 2,150 square feet of heated and cooled living space. This spacious 4-bedroom, 3-bath home features an open island kitchen with stainless steel appliances, a pantry, and an inside laundry room. A versatile bonus room adjacent to the primary suite is perfect for a home office or flex space. Relax in the family room with a cozy fireplace and enjoy peaceful water views. Roof replaced in 2019. Oversized shed/workshop with ramp access, perfect for storage, hobbies, or workspace needs. Open interior offers flexible use for equipment, tools, or recreational gear. Great functional space with easy access. Conveniently located near historic downtown Melrose and Lake Santa Fe, with an easy commute to Gainesville and Palatka. Schedule your tour today!

Cost to own

Mortgage calculator

Home Price

$235,000

Down Payment: 20%

$47,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,198

Principal & Interest: $1,198

Insurance (est.): $157

Estimated Total Monthly

$1,355

*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$1,198

HOAbilled annually$5

Estimated total, before insurance$1,203/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,903/yr · $159/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): $1,903/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 — 2019 per the listing

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

Septic system (public record) · Private well (public 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: ~1,549 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

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