23611 NE State Road 26

Melrose, FL 32666

$525,000$228/sqftEst. $2,677/moMLS# 2142431

Beds

Baths

2,301

Sq Ft

1956

Built

—

Garage

Pool

About this home

Melrose

Enjoy the peaceful charm of North Florida living in the heart of Melrose. Situated along SR 26, this property offers a unique blend of privacy, space, and convenience with easy access to Gainesville, Keystone Heights, and surrounding areas. The property features two ponds, mature live oak trees, palms, and a circular aggregate driveway, creating a welcoming natural setting. Inside, you'll find a separate laundry room with additional enclosed storage space and a screened porch perfect for enjoying Florida's beautiful weather. A charming solarium, visible from the kitchen window, provides a bright and inviting space to enjoy the surrounding views year-round. Lake Santa Fe's popular public boat ramp is less than 2 miles away, offering easy access to boating, fishing, water sports, and family fun on one of the area's most sought-after lakes. With room to grow a garden, enjoy outdoor hobbies, or simply spread out and enjoy the peaceful surroundings, this property offers endless

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,677

Principal & Interest: $2,677

Insurance (est.): $350

Estimated Total Monthly

$3,027

*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$2,677

Estimated total, before insurance$2,677/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.