Sold·Closed Sep 21, 2026·26 days on market
251 Swan Lake Drive
Melrose, FL 32666
About this home
Melrose
Don't miss your chance to own your dream home on a waterfront 1-acre lot! This stunning new construction home features 3 bedrooms, 2 bathrooms, a dedicated office, a formal dining room, and a 2-car garage, all thoughtfully designed for modern comfort and functionality. The gourmet kitchen boasts 42'' soft-close shaker cabinets and quartz countertops, perfect for entertaining after a day in the skies. Elegant tray ceilings add architectural charm throughout the home, making this property the perfect blend of luxury, space, and serene waterfront living.
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 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 2026)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,501 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.
Around this address
Nearby, from public data
The closest public beach, park, water access and league fields from this home's location.
Closest park or preserve
Mike Roess Gold Head Branch State Parkabout 8 mi · 13 mi of trails
Closest public boat ramp
Camp Blanding FMA – Magnolia Lake Boat Ramp (Saturday & Sunday Mornings Only)about 6 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 6 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $433/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, 2026Closed$367,500
- Aug 5, 2026Active Under Contract$367,500
- Jul 16, 2026Price change$367,500−$1,500
- Jul 10, 2026Listed$369,000
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 $224/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 240 Swan Lake Drive, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INC | Aug 2026 | $427,500 | $226 | 3/2 | 1,890 | 31 | 0.2 |
| 8188 S Jasmine Avenue, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTY | Aug 2025 | $68,000 | $47 | 3/2 | 1,440 | 311 | 0.6 |
| 135 Lake Serena Drive, Melrose, FL 32666Listed by TIMBER TO TIDES REALTY LLC | Feb 2026 | $400,000 | $190 | 4/3 | 2,109 | 149 | 0.7 |
| 6204 Blue Marlin Drive, Keystone Heights, FL 32656Listed by TPR REAL ESTATE GROUP INC | Sep 2026 | $420,000 | $232 | 4/2 | 1,810 | 66 | 0.9 |
| 6204 Blue Marlin Drive, Keystone Heights, FL 32656Listed by WATSON REALTY CORP | Jun 2025 | $405,000 | $224 | 4/2 | 1,810 | 207 | 0.9 |
| 6235 Blue Marlin Drive, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTY | Jun 2026 | $367,000 | $184 | 3/2 | 2,000 | 109 | 1 |
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
Additional Information
Listing Courtesy of: RIVER CITY RENTALS AND REALTY
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
This home sold on Sep 21, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
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