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Active·6 days on market

134 Serenity Drive

Melrose, FL 32666

$180,000$212/sqftEst. $961/moMLS# 2166324
2
Beds
2.5
Baths
848
Sq Ft
1955
Built
—
Garage
No
Pool
FEMA Zone XNo HOA1.01 acresWaterfrontSingle Family Residence1 story

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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) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Melrose

Escape to tranquility at 134 Serenity Drive, Melrose, FL! Nestled in a quiet setting along the lakefront, this unique property offers incredible upside for the right buyer. The listing includes two separate structures: a main house with 1 bedroom and 1.5 bathrooms, plus a private cottage with 1 bedroom and 1 bathroom. A great starter project to renovate, replace, or customize into your dream home or rental income generator. Convenient location with rural charm. Sold as-is; cash or conventional rehab financing preferred.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.03% · 30yr$961
Estimated total, before insurance$961/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

$180,000
$36,000
Loan Term
Monthly Payment
$961
Principal & Interest: $961
Insurance (est.): $120
Estimated Total Monthly
$1,081
*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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: Shingle — year not disclosed (home built 1955)

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

Likely septic · 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: ~1,629 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 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 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:21 AM, sunset 7:14 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

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

  • Sep 24, 2026Listed$180,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$180,000
Price / Sq Ft$212
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage848
Acres1.01 acres
Year Built1955
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesNorth

School Information

ElementaryMelrose
MiddleQ. I. Roberts
HighInterlachen

Community Information

Address134 Serenity Drive, Melrose, FL 32666
Area574-Interlachen-NW
SubdivisionNot Validd
CityMelrose
CountyPutnam
StateFL
Zip Code32666
Lot Size43,995.6 sq ft
Parcel Number04092300000440
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourceWell
ParkingOther
ViewLake
Waterfront TypeLake Front

Interior

AppliancesElectric Cooktop, Refrigerator, Washer/Dryer Stacked
HeatingNone
CoolingWall/Window Unit(s)
FlooringLaminate, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesBalcony
Lot DescriptionFew Trees
Patio / PorchFront Porch
RoofShingle
Other StructuresGuest House, Shed(s)
Road SurfaceDirt
Road FrontageCity Street

Additional Information

Date ListedSeptember 24, 2026
Days on Market0
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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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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

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