$814,9006 bd · 3 ba · 4,425 sq ft
Active·49 days on market
8315 Lilly Lake Road
Melrose, FL 32666
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Melrose
Where Lake Life Meets Country Comfort 8315 Lilly Lake Road - Melrose, Florida, Imagine waking up beneath a canopy of mature oaks, spending your afternoons beside the pool, and ending the day with the peaceful beauty of private Lake Opal just beyond your door. Welcome to a truly special Melrose retreat-an expansive 4,425-square-foot brick home nestled on 1.69 acres of picturesque lakefront property. Designed for both comfortable everyday living and unforgettable gatherings, this six-bedroom, four-bath home offers the space, flexibility, and setting today's buyers are looking for. Inside, the heart of the home is the generous kitchen and inviting family spaces, where gatherings naturally become the centerpiece of everyday life. A spacious family room flows into a dedicated game room, complete with a pool table and built-in ping-pong table-creating an ideal setting for holidays, weekend guests, or simply enjoying time together. Need room for everyone?
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 (that applies to the reference bill above too).
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.
The house sits in FEMA Zone X (minimal flood hazard)
Zone AE covers 37% of this 1.6-acre lot, away from the house; the rest is Zone X (minimal) 63%. The house's position comes from its roof outline in Google's aerial imagery, read against FEMA's map. The lender's flood determination, a survey or an elevation certificate makes it official.
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 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer records conflict — verify
The MLS lists “Private Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.
Sources: MLS listing + Florida DOH Water Management Inventory (public record).
Solar potential: ~1,679 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.
As of September 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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, league fields and grocery store 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 5 mi · Magnolia Lake
Closest kayak & paddleboard launch
Mike Roess Goldhead Brach State Park Canoe Beach (Long Portage)about 7 mi · Little Lake Johnson
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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): $6,060/yr
Estimated taxes if purchased at asking price: ~$15,000/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
- Oct 9, 2026Price change$814,900+$19,900
- Sep 21, 2026Listed$795,000
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 $252/sq ft; this home is listed at $184/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 8485 Lily Lake Road, Melrose, FL 32666Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2025 | $785,000 | $252 | 4/3 | 3,120 | 47 | 0.6 |
| 7125 County Road 214, Melrose, FL 32666Listed by TREVOR WATERS REALTY, INC. | Sep 2025 | $1,185,000 | $285 | 4/3.5 | 4,165 | 718 | 1 |
| 361 SE 34th Street, Keystone Heights, FL 32656Listed by CB ISAAC REALTY | Sep 2025 | $450,000 | $135 | 4/2 | 3,341 | 62 | 2.1 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CLASSIC PROPERTIES OF NORTH FLORIDA 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.
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