Active·67 days on market
8449 State Road 100
Melrose, FL 32666
About this home
Melrose
Turnkey farmhouse on 16.5+ completely fenced acres is ready for new owners! Four pastures total, 30x30 garden area with water, large 30x50 barn installed in 2022 has a 12x50 lean to on each side (one is open and one is enclosed), cattle panel fence on front and side plus much more! Primary suite is downstairs as well as a half bath for visiting guests. Upstairs has three bedrooms and a full bath with two sinks. There is also a landing that could be used as an office or library. Large open kitchen with many cabinets and living room has sliding glass doors to open patio. Updates include new well pump and bladder tank in 2023, HVAC 2024 and LVP. Easy commutes to Palatka, St Augustine, Ocala, Gainesville, Middleburg and Jacksonville. Schedule your viewing today as sellers are motivated!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $517,351 | $369,516 | — |
| 2024 | $510,284 | $358,395 | — |
| 2023 | $449,607 | $346,500 | — |
| 2022 | $376,614 | $320,539 | — |
| 2021 | $283,204 | $158,862 | — |
| 2020 | $271,127 | $155,972 | — |
2025 property taxes (current owner): $5,909/yr
Estimated taxes if purchased at asking price: ~$14,600/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.
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: Shingle — year not disclosed (home built 2008)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Private well (public record)
County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,791 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 homeAs 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
Price & status history
- Jul 27, 2026Price change$794,900−$5,000
- Jun 2, 2026Listed$799,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines