Nicholas Giaccone

TBD STATE ROAD 26, MELROSE, FL, 32666

Active1 days on marketListed Aug 12, 2026MLS #GC542572

Priced 53% below the MELROSE 32666 median

About this home

TBD STATE ROAD 26

4.43 HIGH-AND-DRY ACRES JUST 1.2 MILES FROM THE HEART OF MELROSE, with paved State Road frontage and a delightfully walkable setting beneath mature trees, along with scattered open, tree-free spaces. Perfect for giving a future owner the opportunity to choose a homesite while preserving trees for privacy and a natural buffer. Established homes surround the area, electrical service is nearby, and a private well and septic system would be needed. PUTNAM COUNTY GIS SHOWS NO MAPPED WETLANDS on the parcel, and FEMA mapping places the property in Flood Zone X, which is outside the mapped Special Flood Hazard Area. For buyers searching for high-and-dry vacant land, wooded acreage or a homesite in North Central Florida, those are important considerations. THERE ALWAYS SEEMS TO BE SOMETHING HAPPENING IN MELROSE. This arts-oriented lake community keeps a full calendar of local events, including a weekly farmers market, live music, art walks, concerts, festivals and seasonal gatherings. Melrose also has local restaurants, galleries and a historic museum. Melrose Bay Park and nearby Lake Santa Fe keep swimming, boating, fishing and paddling close to home. It is a small town, but not a place where you have to leave town every time you want something to do. CHOOSING A SMALL TOWN DOES NOT MEAN CHOOSING ISOLATION. Melrose sits at the crossroads of Alachua, Bradford, Clay and Putnam counties, putting a surprising amount of North Florida within a practical driving range. To the west are Gainesville, the University of Florida, UF Health, the Malcom Randall VA Medical Center and Gainesville Regional Airport. Head east toward Palatka and Green Cove Springs for the St. Johns River, or continue toward St. Augustine, Jacksonville, the Atlantic Coast and Jacksonville International Airport. Ocala, High Springs, Alachua, Starke and Keystone Heights add even more choices within the surrounding region. IF YOU ARE RELOCATING FROM A LARGER METROPOLITAN AREA, do not let the mileage on the map fool you. Ten miles where you live now may mean an hour of traffic. Here, many of the longer trips between communities are mostly open-road driving rather than stop-and-go city traffic. That changes what 30, 40 or even 50 miles feels like. Melrose lets you choose acreage and a small-town setting while keeping employment, major medical care, airports, freshwater recreation, the river and the Atlantic Coast within reach. A PROPERTY LIKE THIS IS BEST UNDERSTOOD ON THE GROUND. If the combination of acreage, Melrose and access to the larger North Florida region fits what you have been searching for, come walk the property and see how it feels in person. Buyer to verify zoning, intended use, permitting, utilities, well and septic requirements, flood information and any other matters important to the buyer. As-Is, Where Is.

Facts & features

The home at a glance

4.43 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$807/yr

Utilities & systems

UtilitiesElectrical Nearby
WaterWell Required

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,177 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$883
FHA mortgage insurance (est.)$66
Property tax — 2025 actual bill$67
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $5,250Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $5,250
Interest rate6.00%
Loan term

Estimated payment

$1,177/mo

Principal & interest$883
FHA mortgage insurance (est.)$66
Property taxes (actual bill)$67
Est. insurance$160

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

Map of TBD STATE ROAD 26

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

ElementaryMelrose Elementary School★★★★★
HighInterlachen Junior-Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Melrose market

Seller’s marketLeans buyer11.7 months of inventoryBuyer’s market

$333K$318K

Melrose median sold, yr/yr

91.6%

Sale-to-list ratio (12 mo)

Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 53% below the MELROSE 32666 median. See the full Melrose market guide →

Paper trail

This home's history

Aug 12, 2026Listed at $150,000 · 1 days on market since

Reality check

What actually sold near TBD STATE ROAD 26

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

115 COUNTRY LIVING CIRCLESold · Oct ’25

$103,020

115 COUNTRY LIVING CIRCLE

2 bd · 1 ba · 784 sqft · $131/sqft · 163 DOM

556 COUNTY ROAD 219Sold · Feb ’26

$149,900

556 COUNTY ROAD 219

2 bd · 2 ba · 924 sqft · $162/sqft · 1 DOM

161 HALL ROADSold · Apr ’26

$194,500

161 HALL ROAD

2 bd · 2 ba · 924 sqft · $210/sqft · 19 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about TBD STATE ROAD 26 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for TBD STATE ROAD 26 — before you fall in love.

See it in person

Schedule a tour

Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

TBD STATE ROAD 26 FAQs

What would the monthly payment be for TBD STATE ROAD 26?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,177/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 TBD STATE ROAD 26?+

The most recent tax bill on record (2025) was $807. 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 $150,000, this home is listed about 65% below the Melrose median of $429,900. The market section on this page shows how the area is trending.

Which schools are assigned to TBD STATE ROAD 26?+

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.

Listing courtesy of FLORIDA HOMES REALTY & MORTGAGE GVILLE · Dawne Nuri. MLS #GC542572.

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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