David Ramirez
$1,795,000$1,950,0005 bd6 ba5,943 sqft$302 /sqft$11,684 /mo all-in ↓

23014 NE 69TH AVENUE, MELROSE, FL, 32666

Active423 days on marketListed Jun 6, 2025MLS #GC531395

Reduced $155KWaterfrontSingle Family ResidenceWALLACE GROVES

About this home

23014 NE 69TH AVENUE

Uniquely perched on a 15 ft bluff above Lake Santa Fe, this expansive custom lakefront estate offers a grand scale and timeless elegance, perfect for those seeking a luxurious retreat. The heart of the home is its open kitchen, designed for effortless entertaining, flowing seamlessly into a spacious living area with room for a grand piano and dining space, all framed by 2 story ceilings that amplify the sense of grandeur. Almost every room captures stunning lake views, immersing you in the serene beauty of the surroundings. A dramatic custom steel circular staircase with oak treads milled from the property is designed to preserve the breathtaking vistas and add an artistic touch. The primary suite, nestled on the third floor nearly 40 ft above the lake, is a true sanctuary of luxury and tranquility. It opens to a private porch where you can savor morning coffee or evening wine while gazing out over the shimmering lake—a perfect spot for quiet reflection. Adjacent to the suite, a cozy keeper room offers a private retreat for reading or relaxation, bathed in natural light and lake views. The primary bathroom elevates the experience with a spacious, curbless walk-in shower designed for seamless accessibility, a corner soaking tub ideal for unwinding after a day on the water, and a custom double vanity that adds a touch of elegance to your daily routine. For the young or young-at-heart, a secret children’s room offers a magical hideaway, accessible only through a wardrobe, evoking a sense of wonder. Inside, 4 children’s bunk beds create a cozy retreat for sleepovers or imaginative play, making this space a delightful surprise for families. This home is built for versatility and comfort, with porches on all four floors, each offering a unique perspective of the lake’s shimmering waters—perfect for morning coffees or evening gatherings. The elevator accesses all four floors including the full-size attic, featuring 8 ft ceilings, making the home fully accessible for all. The attic is plumbed for an additional bathroom and offers ample space to create more bedrooms, making it ideal for growing families or guests. The first floor is a self-sufficient 2-bedroom apartment, complete with its own kitchen and living areas, operating independently from the main house for ultimate flexibility. Step outside to the lakefront, where a gentle beach entry offers an easy walk-in swimming area, perfect for family fun or a refreshing dip. The ipe wood dock extends into the lake, featuring a boat lift for your watercraft and boasting over 10 ft of water depth at its end—ideal for boating enthusiasts. The sunsets here are magical, painting the sky in vibrant hues as you unwind. This home is truly unlike any other and must be seen in person to experience all it has to offer.

Facts & features

The home at a glance

5

Bedrooms

6

Bathrooms

5,943

Sqft

0.51 ac

Lot size

2

Garage

2008

Year built

Three Or More

Levels

$302

Per sqft

WaterfrontFireplaceTrees/Woods & Water view

Inside

FlooringReclaimed Wood · Hardwood
AppliancesBar Fridge · Dishwasher · Disposal · Electric Water Heater · Ice Maker · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Water Filtration System
InteriorAccessibility Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Crown Molding · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBrick · Cedar · HardiPlank Type
FoundationBasement · Block
ViewTrees/Woods · Water
FacesSouth
ParkingDriveway · Electric Vehicle Charging Station(s) · Workshop in Garage
ExteriorBalcony · French Doors · Private Mailbox · Rain Gutters

Community & fees

Taxes (2024)$13,984/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Propane
WaterPrivate · Well

The numbers

What it really costs

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

$11,684 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,686
PMI (est., until 20% equity)$673
Property tax — 2024 actual bill$1,165
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $179,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $179,500
Interest rate6.00%
Loan term

Estimated payment

$11,684/mo

Principal & interest$9,686
PMI (est., until 20% equity)$673
Property taxes (actual bill)$1,165
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

$/sqft vs Melrose actives

$302 vs $259

Days on market

423 vs 57 typical

Where $302/sqft sits among the 42 Melrose actives

5
11
7
9
5 · this home
5
$132–175$175–217$217–259$259–302$302–344$344+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Melrose

Map of 23014 NE 69TH AVENUE

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 buyer11.5 months of inventoryBuyer’s market

$333K$318K

Melrose median sold, yr/yr

91.6%

Sale-to-list ratio (12 mo)

20 of 42

Melrose actives have cut their price

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

This home is listed 444% above the MELROSE 32666 median. See the full Melrose market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,795,000 $155K
Jun 6, 2025Listed at $1,950,000 · 423 days on market since
2008Built · WALLACE GROVES

Reality check

What actually sold near 23014 NE 69TH AVENUE

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

23915 NE STATE RD 26Sold · Apr ’26

$510,000

23915 NE STATE RD 26

4 bd · 2 ba · 2,120 sqft · $241/sqft · 90 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 23014 NE 69TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 23014 NE 69TH AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

23014 NE 69TH AVENUE FAQs

What would the monthly payment be for 23014 NE 69TH AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,684/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 23014 NE 69TH AVENUE?+

The most recent tax bill on record (2024) was $13,984. 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 $1,795,000, this home is listed about 352% above the Melrose median of $397,000. The market section on this page shows how the area is trending.

Which schools are assigned to 23014 NE 69TH AVENUE?+

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.

The brief

Four things that matter here

01Positioned at the premium end

$1,795,000 runs 444% above the MELROSE 32666 median — but at 5,943 sqft it's also nearly 4 times the size of the typical Melrose listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

423 days on market against a Melrose median of 57 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,950,000, now $1,795,000 — a $155K cut. The full history is in the market section below.

Listing courtesy of SHEEPCO REAL ESTATE GROUP · Ryan Hiebsch. MLS #GC531395.

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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