Pending·181 days on market
6519 Neale Road
Melrose, FL 32666
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Melrose
Welcome to your private slice of North Florida living where space and serenity come together on 3 beautiful acres in Melrose, Florida. This well maintained 4 bed, 2 bath home features a split floor plan with over 2100 sq ft of comfortable living space. The living room is stunning with vaulted wood ceilings, tons of natural light, and a cozy fireplace that really gives the home character. The kitchen offers wood cabinets, stainless steel appliances, and bar seating, along with a dining room. The primary suite is spacious and includes a nice bathroom with dual vanities and a tiled walk in shower. A bright sunroom overlooks the pool area, adding extra space and a great spot to relax. Step outside to enjoy the in-ground pool, renovated in 2023, with a mix of open yard and mature trees. The garage features a built-in bar, offering flexibility for a workshop, recreation space, or entertaining space. One of the BIGGEST highlights is the private access to Lily Lake. This spring fed, sandy
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Metal — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,651 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 homeThis 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Mike Roess Gold Head Branch State Parkabout 9 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 6 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 8 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $508,542 | $354,984 | — |
| 2024 | $501,476 | $344,273 | — |
| 2023 | $449,508 | $332,790 | — |
| 2022 | $371,641 | $321,641 | — |
| 2021 | $220,920 | $0 | — |
| 2020 | $208,669 | $0 | — |
2025 property taxes (current owner): $5,934/yr
Estimated taxes if purchased at asking price: ~$9,700/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. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), 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 $233/sq ft; this home is listed at $246/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8453 Nittany Drive, Melrose, FL 32666Listed by FIRST CHOICE REALTY OF NORTH FLORIDA, LLC | Apr 2026 | $385,000 | $233 | 3/3 | 1,654 | 175 | 0.1 |
| 8491 Lilly Lake Road, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2025 | $485,000 | $224 | 4/2.5 | 2,162 | 87 | 0.4 |
| 6192 County Rd 219, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INC | Dec 2025 | $615,000 | $254 | 4/3 | 2,418 | 259 | 0.8 |
| 6505 Little Lilly Lake Road, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC. | Aug 2025 | $490,000 | $233 | 4/2 | 2,100 | 127 | 0.8 |
| 6761 County Road 214, Keystone Heights, FL 32656Listed by CHAD AND SANDY REAL ESTATE GROUP | Oct 2025 | $160,000 | $99 | 4/2 | 1,620 | 2 | 0.9 |
| 112 Serenity Drive, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Nov 2025 | $320,000 | $191 | 3/2 | 1,675 | 119 | 1 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CW REALTY
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.
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Krista Fracke
Broker Associate
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