111 KIRBY TRAIL, MELROSE, FL, 32666
Active92 days on marketListed Apr 23, 2026MLS #GC539600
About this home
111 KIRBY TRAIL
Opportunity Knocks! Private lakefront home PLUS nearly 19 agriculturally zoned acres, this exceptional 3-bedroom, 4-bath property offers the perfect blend of luxury living and outdoor lifestyle. Designed with versatility in mind, the acreage is ideal for horse lovers or other livestock - And room for you to roam, play, and enjoy! Centered around private Kirby Lake, the setting is both peaceful and recreational—perfect for water sports, fishing, or simply taking in the natural beauty that surrounds you. This is a true retreat where privacy and lifestyle come together! The home has been extensively updated and meticulously maintained, featuring a NEW ROOF, two NEW HVAC systems, and a NEW hot water heater—delivering true move-in-ready confidence. Inside and out, the property has been freshly repainted and enhanced with upgraded lighting throughout, including the oversized, attached garage. Stylish stone countertops elevate the kitchen and baths, while updated flooring creates a cohesive, modern look to the home. Puronics water treatment system ensures crystal clear water for drinking and bathing! Outdoor living is easy, with a welcoming front porch, a screened lanai overlooking the lake, and large main AND upper-level decks designed to capture sweeping water views. The entertaining room with its dipping pool (complete with swim jets!) opens to an additional deck and is certain to be a favorite for peaceful enjoyment or for entertaining your friends and family! In addition to the stated sq footage, the lower level of the home offers a HUGE (730 Sq Ft) concrete block flex space with private entrance ready for your imagination—ideal for recreation, hobbies, or additional living options. The refinished driveway enhances both curb appeal and everyday functionality. A large Quonset-style office/workshop (30 X 30 sq ft) on the property adds incredible flexibility. The acreage supports a wide range of uses—bring your horses, livestock, recreational vehicles, watercraft, and more! Ideally located just 25 minutes to Gainesville, UF, and UF Health, approximately one hour to Ocala, and minutes to historic Melrose, this private estate offers a rare combination of seclusion, convenience, and endless potential.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
3,143
Sqft
18.83 ac
Lot size
2
Garage
1992
Year built
Two
Levels
$262
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.
$5,379 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,379/mo
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 NOT IN SUBDIVISION
$262 vs $253
Days on market
92 vs 57 typical
Where $262/sqft sits among the 125 homes for sale in NOT IN SUBDIVISION
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 → $180K
Melrose median sold, yr/yr
91.9%
Sale-to-list ratio (12 mo)
58 of 125
NOT IN SUBDIVISION have cut their price
Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 176% above the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 111 KIRBY TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$35,658
308 MARTIN LUTHER KING BOULEVARD · same community
4 bd · 2 ba · 2,712 sqft · $13/sqft · 43 DOM
Sold · Dec ’25$485,000
4510 CINDY ROAD · same community
4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM
Sold · Mar ’26$1,450,000
3800 GERBER DAIRY ROAD · same community
3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 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 111 KIRBY TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 111 KIRBY TRAIL — 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
111 KIRBY TRAIL FAQs
What would the monthly payment be for 111 KIRBY TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,379/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 111 KIRBY TRAIL?+
The most recent tax bill on record (2025) was $5,501. 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 111 KIRBY TRAIL?+
The listing reports pets: 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 $825,000, this home is listed about 108% above the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 111 KIRBY TRAIL?+
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 RE/MAX PROFESSIONALS · Lynn Hughes. MLS #GC539600.
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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