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Pending

Pending·131 days on market

6519 Neale Road

Melrose, FL 32666

$525,000$246/sqftEst. $2,699/moMLS# 2140829

Beds

Baths

2,138

Sq Ft

1986

Built

Garage

Yes

Pool

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

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,699

Principal & Interest: $2,699

Property taxes (est.): $805

Insurance (est.): $350

Estimated Total Monthly

$3,854

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; 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$2,699

Property taxesest. at asking price, Clay County$805

Estimated total, before insurance$3,504/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,934/yr · $494/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

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.

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 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.

Features

Price$525,000

Price / Sq Ft$246

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,138

Acres3.00 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontNo

Community Information

Address6519 Neale Road, Melrose, FL 32666

Area151-Keystone Heights

SubdivisionMelrose

CityMelrose

CountyClay

StateFL

Zip Code32666

Lot Size130,680 sq ft

Parcel Number08092300552300101

Amenities

UtilitiesCable Available, Electricity Connected, Water Available

SewerSeptic Tank

Water SourceWell

ParkingGarage, RV Access/Parking

ViewLake

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

Window FeaturesSkylight(s)