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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Active

Active·77 days on market

6328 Dogwood Lane

Melrose, FL 32666

$925,000$411/sqftEst. $5,124/moMLS# 2158115
3
Beds
2
Baths
2,252
Sq Ft
1965
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.94 acresWaterfrontSingle Family Residence1 story

See it this week

Want to walk through this home this week?

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

Welcome to charming and historic Melrose and discover a rare opportunity to own one of the most desirable locations on majestic Lake Santa Fe (over 5800 acres in size) in the Melrose Bay area. Soak in the peaceful atmosphere, tranquility and scenic beauty of this lakefront neighborhood. Known as a haven for boating, fishing, skiing and all things recreational, it offers a relaxed lifestyle in a vibrant and nature blessed community. The home has a great dock consisting of 287 feet of lakefront located in a ''no wake zone''. The interior boasts a large owner suite with a split floor plan with two other spacious bedrooms, all with views of the lake. This ten room home also includes a spacious Florida room overlooking the beach and waterfront, living & dining room, library/office, pantry with a large traditional kitchen with an open u-shaped layout, along with an oversized 2-car garage, two new water heaters and a new full house back-up propane generator

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$5,124
Estimated total, before insurance$5,124/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$925,000
$185,000
Loan Term
Monthly Payment
$5,124
Principal & Interest: $5,124
Insurance (est.): $617
Estimated Total Monthly
$5,740
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: Metal — year not disclosed (home built 1965)

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

Likely septic

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: ~1,606 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

As of August 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.

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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:31 AM, sunset 6:56 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real sun without the western afternoon heat.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

History

Price & status history

  • Aug 1, 2026Listed$925,000

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 $212/sq ft; this home is listed at $411/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6324 Dogwood Lane, Melrose, FL 32666Listed by NICOSIA REALTY INC.Oct 2025$980,000$4104/32,389900
6027 Dogwood Lane, Melrose, FL 32666Listed by CENTURY 21 LAKESIDE REALTYNov 2025$319,900$1823/21,753930.1
460 SE 4th Avenue, Melrose, FL 32666Listed by TREVOR WATERS REALTY, INC.Dec 2025$550,000$2653/22,0722790.8
308 SE 2nd Avenue, Melrose, FL 32666Listed by CW REALTYSep 2025$530,000$1833/2.52,9041890.8
23611 NE State Road 26, Melrose, FL 32666Listed by MARK SPAIN REAL ESTATEAug 2026$325,000$1413/22,301251.1
4704 NE 255th Drive, Melrose, FL 32666Listed by CHAD AND SANDY REAL ESTATE GROUPJan 2026$455,000$2122/22,147251.2

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

Price$925,000
Price / Sq Ft$411
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,252
Total Structure Area2,976 sq ft
Acres0.94 acres
Year Built1965
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesNorthwest

School Information

ElementaryOchwilla
MiddleHawthorne
HighHawthorne

Community Information

Address6328 Dogwood Lane, Melrose, FL 32666
Area721-Orange Heights-North Of SR-26
SubdivisionIndian Landing
CityMelrose
CountyAlachua
StateFL
Zip Code32666
Lot Size40,946.4 sq ft
Parcel Number187760100000
ZoningResidential

Amenities

UtilitiesElectricity Connected
SewerSeptic Tank
Water SourcePublic
ParkingGarage
Waterfront TypeLake Front

Interior

AppliancesDishwasher, Dryer, Electric Oven, Electric Water Heater, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air, Split System
FlooringTile, Wood
FireplaceYes
Fireplace FeaturesWood Burning
# of Stories1
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Exterior FeaturesDock
Patio / PorchPorch
FencingFenced
RoofMetal
ConstructionFrame, Wood Siding
Other StructuresShed(s)
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 1, 2026
Days on Market0
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: NICOSIA REALTY INC.

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.

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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