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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

$1,174,0004 bd · 3 ba · 2,762 sq ft

Active·196 days on market

2473 SE 30th Street

Melrose, FL 32666

$1,174,000$425/sqftEst. $6,401/mo mortgageMLS# 2142308
↓ $125,000 below original list
4
Beds
3
Baths
2,762
Sq Ft
1980
Built
3
Garage
No
Pool
FEMA Zone XNo HOA0.63 acresWaterfrontSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Melrose

Welcome to lakefront living on beautiful 5,850-acre Lake Santa Fe, a connected lake system including both Big and Little Lake Santa Fe and recognized as one of North Florida's premier all-sports lakes. Situated on a coveted 100-foot lakefront lot in the sought-after Pumpkin Patch neighborhood, this renovated 4-bedroom, 3-bath home offers approximately 2,762 square feet of living space and 3,364 under roof on a serene peninsula setting. Originally built in 1980 and thoughtfully updated, the home features spacious living areas, abundant natural light, and large picture windows showcasing breathtaking sunset views across the water from both the main living spaces and bedrooms. Step outside to enjoy true waterfront living--perfect for boating, fishing, skiing, or simply relaxing at the end of the day as the sun sets over the lake. Opportunities to own in this desirable Lake Santa Fe community are rare. Experience the lakefront lifestyle from your own backyard.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$6,401
Estimated total, before insurance$6,401/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,174,000
$234,800
Loan Term
Monthly Payment
$6,401
Principal & Interest: $6,401
Insurance (est.): $783
Estimated Total Monthly
$7,183
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 1980)

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

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: ~1,337 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 6:49 AM, sunset 5:35 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real sun without the western afternoon heat.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Sep 8, 2026Price change$1,174,000−$25,000
  • Jul 24, 2026Price change$1,199,000−$100,000
  • Apr 28, 2026Listed$1,299,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $264/sq ft; this home is listed at $425/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2453 SE 30 Street, Melrose, FL 32666Listed by UNITED REAL ESTATE GALLERYOct 2026$1,375,000$4204/3.53,2733420
2444 SE CR 21B, Melrose, FL 32666Listed by CB ISAAC REALTYNov 2025$1,300,000$5023/32,5901240.8
2380 SE 43rd Street, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCNov 2025$600,000$2643/2.52,2693161.2
433 SE 34th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJun 2026$421,000$1854/32,272612.1
378 SE 34th Street, Keystone Heights, FL 32656Listed by TREVOR WATERS REALTY, INC.Apr 2026$600,000$2283/22,636142.1
361 SE 34th Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTYSep 2025$450,000$1354/23,341622.1

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$1,174,000
Price / Sq Ft$425
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,762
Acres0.63 acres
Year Built1980
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusActive
# of Garages3
# of Carport Spaces3
Has PoolNo
Is WaterfrontYes
Direction FacesNorthwest

School Information

MiddleBradford
HighBradford

Community Information

Address2473 SE 30th Street, Melrose, FL 32666
Area523-Bradford County-SE
SubdivisionPumpkin Patch
CityMelrose
CountyBradford
StateFL
Zip Code32666
Lot Size27,442.8 sq ft
Parcel Number06079000000

Amenities

UtilitiesCable Connected, Electricity Connected
SewerAerobic Septic, Septic Tank
Water SourcePrivate, Well
ParkingCovered, Detached Carport, Garage, Garage Door Opener, Gated
ViewLake, Water
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Electric Oven, Electric Range, Electric Water Heater, Refrigerator, Water Softener Owned
HeatingCentral, Heat Pump
CoolingCentral Air
FlooringVinyl
# of Stories2
LevelsMulti/Split, Two
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Patio / PorchCovered, Deck, Front Porch, Rear Porch
RoofMetal
ConstructionFiber Cement
Road SurfaceAsphalt, Gravel

Additional Information

Date ListedApril 28, 2026
Days on Market196
Tax Year2025
Listing TermsCash, Conventional
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.

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