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Active

Active·20 days on market

154 Ashley Lake Drive

Melrose, FL 32666

$282,900$241/sqftEst. $1,442/moMLS# 2153678

Beds

Baths

1,174

Sq Ft

2026

Built

—

Garage

Pool

About this home

Melrose

154 Ashley Lake Drive offers the rare combination of a **brand-new 2026 home, 1.52 acres, and a price under $300,000.** This 3-bedroom, 2-bath home features 1,174 sq. ft. of thoughtfully designed living space with luxury vinyl plank flooring, soft-close cabinetry, upgraded bathrooms, new stainless appliances, and real drywall throughout for the feel of a traditional home. Outside, enjoy a fully fenced backyard, millings driveway, storage shed, and room for a garden, fire pit, or future workshop. Lake access is just a short walk away for fishing, kayaking, or peaceful evenings by the water. Built as a modular home and permanently installed, it's classified and financed as a **single-family residence not a mobile or manufactured home.** If you're tired of older homes needing expensive updates, this move-in-ready property offers modern living, privacy, and acreage without the premium price tag.

Cost to own

Mortgage calculator

Home Price

$282,900

Down Payment: 20%

$56,580

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,442

Principal & Interest: $1,442

Insurance (est.): $189

Estimated Total Monthly

$1,631

*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$1,442

HOAbilled annually$5

Estimated total, before insurance$1,447/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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $344/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. Sources: Florida DOR certified tax roll, 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: material not specified — year not disclosed (home built 2026)

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

Solar potential: ~1,478 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.

Ask about this home

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 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 16, 2026Price change$282,900−$10,000
Jul 3, 2026Listed$292,900

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

Features

Price$282,900

Price / Sq Ft$241

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,174

Total Structure Area1,174 sq ft

Acres1.52 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

Has PoolNo

Is WaterfrontNo

Community Information

Address154 Ashley Lake Drive, Melrose, FL 32666

Area574-Interlachen-NW

SubdivisionAshley Lake Plantata

CityMelrose

CountyPutnam

StateFL

Zip Code32666

Lot Size66,211.2 sq ft

Parcel Number170923010001000010

ZoningResidential

Amenities

UtilitiesCable Available

SewerSeptic Tank

Water SourceWell

ParkingGated, Off Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Open Floorplan, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

# of Stories1

LaundryWasher Hookup