SR-21, MELROSE, FL, 32666
Active266 days on marketListed Oct 27, 2025MLS #GC534871
About this home
SR-21
Incredible opportunity to own 4.28 acres with lake access to Lake Geneva in the highly sought-after Keystone Melrose area perfectly positioned along State Road 21 (349' road frontage) just minutes from Keystone Heights and historic downtown Melrose. This versatile property offers endless potential. Easy access to Gainesville, Palatka, and Middleburg makes this a convenient yet peaceful setting for those seeking space, privacy, and investment upside. No HOA, one of Bradford County's fastest-developing areas. Surrounded by quality homes and new construction. Close to schools, parks, and shopping. Minutes to lakes and recreation areas for boating and fishing.
Facts & features
The home at a glance
2.31 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,107 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,107/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Melrose
Get to know Melrose. See the full Melrose guide →
MELROSE 32666 — neighborhood snapshot
Population
5,542
Median age
62.1
Median income
$66,540
Median home value
$206,000
Avg household
2.17
Households w/ children
268
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Melrose market
$333K → $180K
Melrose median sold, yr/yr
91.9%
Sale-to-list ratio (12 mo)
Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near SR-21
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$135,000
121 PEARSALL CIRCLE
1 bd · 1 ba · 732 sqft · $184/sqft · 23 DOM
Sold · Feb ’26$149,900
556 COUNTY ROAD 219
2 bd · 2 ba · 924 sqft · $162/sqft · 1 DOM
Sold · May ’26$105,000
128 ELIAM ROAD
2 bd · 1 ba · 984 sqft · $107/sqft · 38 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about SR-21 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for SR-21 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
SR-21 FAQs
What would the monthly payment be for SR-21?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,107/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on SR-21?+
The most recent tax bill on record (2024) was $346. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Melrose?+
At $145,000, this home is listed about 63% below the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to SR-21?+
Melrose Elementary School (elementary), Interlachen Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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