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Sold

Sold·Closed Aug 31, 2026·10 days on market

7932 Breezy Point Road W

Melrose, FL 32666

$503,000sold priceListed at $585,000 · 86% of asking$168/sqftMLS# 2158864
3
Beds
2
Baths
2,995
Sq Ft
1963
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.63 acresWaterfrontSingle Family Residence1 story

About this home

Melrose

Experience the best of lakefront living in this custom home on the pristine shores of spring-fed Lake Geneva. Designed for entertaining, the open floor plan showcases an exceptional chef's kitchen featuring a premium Wolf range, high-end appliances, granite countertops, an oversized center island, abundant custom cabinetry, and generous prep space. The split-bedroom layout offers privacy, while the owner's suite includes a sitting area, fireplace, spa-inspired bath, and a spacious walk-in closet. Step outside to enjoy your private sandy beachfront, along with a covered deck, pergola, outdoor kitchen, greenhouse, and raised garden beds--creating the perfect setting for relaxing or entertaining by the water. A detached insulated garage, additional carport, and gated entry complete this exceptional waterfront retreat.

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$2,786
Property taxesest. at asking price, Clay County$771
Estimated total, before insurance$3,557/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,905/yr · $825/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$503,000
$100,600
Loan Term
Monthly Payment
$2,786
Principal & Interest: $2,786
Property taxes (est.): $771
Insurance (est.): $335
Estimated Total Monthly
$3,892
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; 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 1963)

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

Septic system (public record) · 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: ~1,754 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,905/yr

Estimated taxes if purchased at asking price: ~$9,200/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, NEFMLS.

History

Price & status history

  • Sep 1, 2026Closed$585,000
  • Aug 18, 2026Active Under Contract$585,000
  • Aug 6, 2026Listed$585,000

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 $200/sq ft; this home is listed at $195/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1339 Chatauqua Way, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$488,500$2004/32,44660.9
433 SE 34th Street, Keystone Heights, FL 32656Listed by RIVER CITY RENTALS AND REALTYJun 2026$421,000$1854/32,272611.2
561 SE Lakeview Drive, Keystone Heights, FL 32656Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$600,000$1965/43,0683651.4
628 Bethel Drive, Keystone Heights, FL 32656Listed by EPIQUE REALTY, INCJun 2026$479,900$2034/22,36212.1
6192 County Rd 219, Melrose, FL 32666Listed by COLDWELL BANKER BEN BATES INCDec 2025$615,000$2544/32,4182592.1
831 SE 50th Street, Keystone Heights, FL 32656Listed by JPAR CITY AND BEACHDec 2025$305,000$1323/2.52,316202.6

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$585,000
Price / Sq Ft$195
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,995
Acres0.63 acres
Year Built1963
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

ElementaryKeystone Heights
HighKeystone Heights

Community Information

Address7932 Breezy Point Road W, Melrose, FL 32666
Area151-Keystone Heights
SubdivisionBreezy Point Lake Sh
CityMelrose
CountyClay
StateFL
Zip Code32666
Lot Size27,486.36 sq ft
Parcel Number31082300475600000

Amenities

UtilitiesCable Available, Electricity Connected, Propane
SewerSeptic Tank
Water SourceWell
ParkingAttached Carport, Covered, Garage
ViewWater
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Electric Water Heater, Gas Cooktop, Gas Oven, Gas Range, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
FireplaceYes
Fireplace FeaturesDouble Sided, Gas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchAwning(s), Deck, Rear Porch
RoofMetal
ConstructionFiber Cement
Other StructuresGreenhouse, Outdoor Kitchen, Workshop
Road SurfaceAsphalt, Dirt
Road FrontageCity Street

Additional Information

Date ListedAugust 6, 2026
Days on Market10
Tax Amount$9,905.4
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DOGWOOD 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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 31, 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.

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20+ years · 500+ closings · NE Florida

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