0000 LADY BUG LANE, MELROSE, FL, 32666
Active21 days on marketListed Jul 2, 2026MLS #A4698672
About this home
0000 LADY BUG LANE
Escape to your own private slice of Old Florida on this beautiful 10 acre high and dry lot tucked away on Lady Bug Lane in Melrose. Surrounded by larger acreage parcels, native woods, and open farmland, this property offers the rare combination of true seclusion without sacrificing convenience. Untouched natural beauty creates a breathtaking setting filled with wildlife and peaceful country living. Whether your vision is a custom cabin in the woods, mini-farm, or weekend retreat, this property gives you the freedom to build the lifestyle you want. All this yet just 5 minutes from Twin Lakes Park and less than 20 minutes from numerous lakes, boating, fishing, parks, and outdoor recreation options. If you’ve been searching for space, freedom, and the opportunity to enjoy country living the way it was meant to be, this is it!
Facts & features
The home at a glance
10 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.
$1,429 /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
$1,429/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 33% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 0000 LADY BUG LANE
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$275,000
123 LAKE CARLETON DRIVE
2 bd · 1.5 ba · 777 sqft · $354/sqft · 9 DOM
Sold · Jan ’26$124,500
8232 SWAN LAKE ROAD
2 bd · 2 ba · 910 sqft · $137/sqft · 412 DOM
Sold · Jun ’26$56,000
217 LAKEVIEW DRIVE
3 bd · 2 ba · 924 sqft · $61/sqft · 194 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 0000 LADY BUG LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0000 LADY BUG LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
0000 LADY BUG LANE FAQs
What would the monthly payment be for 0000 LADY BUG LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,429/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 0000 LADY BUG LANE?+
The most recent tax bill on record (2025) was $42. 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 $199,900, this home is listed about 50% below the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 0000 LADY BUG LANE?+
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
Listing courtesy of EPIQUE REALTY INC. · Walter Key. MLS #A4698672.
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.
Never miss a listing
New Melrose homes, in your inbox
Like 0000 LADY BUG LANE but not quite? A daily digest of every new listing in Melrose — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →