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Pending

Pending·35 days on market

8042 County Line Road

Melrose, FL 32666

$525,000$165/sqftEst. $2,794/moMLS# 2149863

Beds

Baths

3,176

Sq Ft

1974

Built

—

Garage

Pool

About this home

Melrose

Welcome to your private lakeside retreat. Set on over 4.5 acres adorned with mature live oak trees with gently draped moss, this beautifully updated Spanish-style executive residence includes a four-bedroom, three-bath main home and a detached 1/1 guest house with full kitchen, bath and living room--ideal for multigenerational living, guest accommodations, or income potential. The main home features spacious living areas, warm hardwood flooring throughout, and two primary suites. A striking brick fireplace anchors the living room, complemented by abundant natural light from expansive floor-to-ceiling windows offering lake views from nearly every room. A separate dining room and kitchen with granite and wood cabinets will please those who love to cook as new appliances were recently installed. The upper-level primary suite spans approximately 440 square feet and includes scenic property views, a renovated bathroom with a rainfall shower, and a generous walk-in closet.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,652

Principal & Interest: $2,652

Est. Taxes & Insurance: $663

Estimated Total Monthly

$3,315

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,794

Property taxesest. at asking price, Clay County$805

Estimated total, before insurance$3,599/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $330,000 in May 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$325,000	$274,278	—
2024	$424,078	$287,782	—
2023	$383,293	$277,944	—
2022	$318,393	$268,393	—
2021	$241,458	$241,458	—
2020	$229,193	$229,193	—

2025 property taxes (current owner): $5,061/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.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 1974)

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

Likely septic · 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: ~1,689 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History