Pending·99 days on market
154 Ashley Lake Drive
Melrose, FL 32666
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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
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
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.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 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.
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.
History
Price & status history
- Sep 22, 2026Pending$249,900
- Aug 28, 2026Price change$249,900−$10,000
- Aug 15, 2026Price change$259,900−$13,000
- Jul 26, 2026Price change$272,900−$10,000
- 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.
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 $193/sq ft; this home is listed at $213/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 208 Country Living Circle, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $90,000 | $70 | 3/2 | 1,288 | 2 | 0.7 |
| 719 State Rd 26, Melrose, FL 32666Listed by CB ISAAC REALTY | Jun 2026 | $95,000 | $75 | 3/2 | 1,260 | 36 | 1.5 |
| 116 Lake Edge Trail, Melrose, FL 32666Listed by MARK SPAIN REAL ESTATE | Nov 2025 | $215,000 | $198 | 3/2 | 1,085 | 13 | 1.6 |
| 107 Eliam Road, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $194,000 | $160 | 3/2 | 1,216 | 30 | 1.8 |
| 128 Serenity Drive, Melrose, FL 32666Listed by COLDWELL BANKER VANGUARD REALTY | Jan 2026 | $219,000 | $235 | 2/2 | 930 | 8 | 1.8 |
| 121 Serena Circle, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTY | Sep 2026 | $254,000 | $193 | 2/2 | 1,318 | 62 | 2 |
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.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MAXREV, LLC
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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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines