101 ASHLEY LAKE DRIVE, MELROSE, FL, 32666
Active215 days on marketListed Dec 30, 2025MLS #GC536242
About this home
101 ASHLEY LAKE DRIVE
Waterfront lot for homes or modular homes only. Paved road frontage.
Facts & features
The home at a glance
1.03 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 and the real association fee — not generic estimates.
$554 /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
$554/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 83% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 101 ASHLEY 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 · Oct ’25$175,900
120 BLACKBERRY DRIVE · same community
3 bd · 2 ba · 1,667 sqft · $106/sqft · 78 DOM
Sold · Nov ’25$389,000
113 ASHLEY LAKE DRIVE · same community
4 bd · 3 ba · 1,953 sqft · $199/sqft · 10 DOM
Sold · Sep ’25$135,000
121 PEARSALL CIRCLE
1 bd · 1 ba · 732 sqft · $184/sqft · 23 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 101 ASHLEY LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 101 ASHLEY 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
101 ASHLEY LAKE DRIVE FAQs
What would the monthly payment be for 101 ASHLEY LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $554/mo — principal and interest, the actual property-tax bill, the $5/mo association fee 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.
How much are the HOA fees at 101 ASHLEY LAKE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 101 ASHLEY LAKE DRIVE?+
The most recent tax bill on record (2025) was $494. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 101 ASHLEY LAKE DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Melrose?+
At $55,000, this home is listed about 86% below the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 101 ASHLEY 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
Three things that matter here
01Under the MELROSE 32666 market on paper
$55,000 is 83% below the MELROSE 32666 median of $330,000.
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
215 days on market against a Melrose median of 57 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CB ISAAC REALTY · Dean Weaver, Ii. MLS #GC536242.
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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