148 SWAN LAKE DRIVE, MELROSE, FL, 32666
Active323 days on marketListed Sep 15, 2025MLS #GC534048
About this home
148 SWAN LAKE DRIVE
Enjoy lakefront living on peaceful Lake Serena (approximately 60 acres). Set on a beautiful ~0.25-acre lot shaded by majestic oaks and blooming azaleas, this well-kept 1970 single-wide mobile home offers 3 bedrooms and 1.5 baths with a practical, easy-living layout. Step onto the back deck for sweeping water views—perfect for morning coffee or sunset unwinding. Spend time in the gazebo enjoying the vistas, or lay back in the hammock and take a cat nap. Fenced backyard includes a storage shed for your gear and garden tools, while the front yard features a powered 225-sq-ft block building—great for a workshop, studio, or extra storage. With direct lake access for paddling, fishing, and relaxing, this home delivers a laid-back lifestyle and a hard-to-find price point on the water. Bring your ideas to personalize, or enjoy as is—either way, you're buying into true lake life.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
672
Sqft
0.25 ac
Lot size
1970
Year built
One
Levels
$147
Per sqft
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.
$880 /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
$880/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.
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
$147 vs $259
Days on market
323 vs 54 typical
Where $147/sqft sits among the 42 Melrose actives
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
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 → $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 70% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 148 SWAN LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$215,000
115 2ND STREET
2 bd · 1 ba · 775 sqft · $277/sqft · 5 DOM
Sold · Sep ’25$275,000
123 LAKE CARLETON DRIVE
2 bd · 1.5 ba · 777 sqft · $354/sqft · 9 DOM
Sold · Oct ’25$103,020
115 COUNTRY LIVING CIRCLE
2 bd · 1 ba · 784 sqft · $131/sqft · 163 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 148 SWAN LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 148 SWAN LAKE DRIVE — 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
148 SWAN LAKE DRIVE FAQs
What would the monthly payment be for 148 SWAN LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $880/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 148 SWAN LAKE DRIVE?+
The most recent tax bill on record (2024) was $1,124. 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 $99,000, this home is listed about 76% below the Melrose median of $409,500. The market section on this page shows how the area is trending.
Which schools are assigned to 148 SWAN LAKE DRIVE?+
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
01Under the MELROSE 32666 market on paper
$99,000 is 70% below the MELROSE 32666 median of $330,000, and at $147/sqft it sits under the Melrose average of $254.
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
323 days on market against a Melrose median of 54 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $125,000, now $99,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IHEART REALTY INC. · Heather Hunter. MLS #GC534048.
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 148 SWAN LAKE DRIVE 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 →