David Ramirez
$895,000$995,0004 bd3.5 ba3,516 sqft$255 /sqft$5,713 /mo all-in ↓

101 RAMSEY DRIVE, MELROSE, FL, 32666

Active76 days on marketListed May 8, 2026MLS #GC539905

Reduced $100KPrivate poolFarmNONE

About this home

101 RAMSEY DRIVE

Virtually Staged. 101 Ramsey Drive | Melrose, FL 32666 4 BD | 3.5 BA | 3,516 hSF/3,900 tSF | 10+ Acres | Pool | Pond | $995,000 Welcome to your peaceful country retreat in the heart of Putnam County — where the pace slows down, the land opens up, and the conveniences of modern life are still well within reach. Publix in Palatka is just 17 miles away, Keystone Heights is 9 miles, and the University of Florida and everything Gainesville is only 30–45 minutes depending on your destination. From the moment you arrive, this property makes a statement. Pass through your private electric gate and follow the drive to a welcoming fountain and a classic rocking chair front porch — the kind of arrival that sets the tone for everything that follows. The Land This 10+ acre homestead is anything but flat and ordinary. The rolling topography winds through mature woods, past a stocked pond complete with a staircase and railing, and up to a hilltop utility shed with electricity — a perfect workshop, storage space, or creative hideaway. Wear your walking shoes; there is plenty to explore. The left side of the property is set up for the hobby farmer or self-sufficiency enthusiast, featuring fenced pasture areas, dedicated watering stations, a large chicken coop, and raised planting beds. This land has genuine mini-farm potential. The Home Originally built in 2007 and fully renovated in 2015, this home combines thoughtful craftsmanship with modern updates throughout. Step through the front doors and your eye is immediately drawn to the stunning wrought iron staircase — a centerpiece that sets the tone for the quality found at every turn. To the right, a spacious den/office/TV room with custom built-ins provides the perfect flex space. To the left, a formal dining room features crown molding and plantation shutters. The kitchen is a true showpiece: tumbled stone tile, gourmet appliances, rich granite countertops, an abundance of cabinetry, a large stainless sink with drain bowl and cutting board, and a long breakfast bar. The adjacent breakfast area flows seamlessly into the family room, which opens to a covered, paved lanai with a wood-burning fireplace — the ideal setting for Florida evenings year-round. Outside, the pool beckons with elegant water features, a sun shelf with bubblers, an umbrella slot, and a sit shelf — resort-style living right in your backyard. Upstairs The generous primary suite offers a true sanctuary. An electric fireplace, trey ceiling, and spacious walk-in closet set the stage. The ensuite bath features a large soaking tub, granite countertops, double sinks with a dedicated vanity, a private water closet, and an additional walk-in closet. Every detail was designed with comfort and privacy in mind. Cross the upstairs landing and you’ll find three additional bedrooms. One enjoys its own private bath with a walk-in shower. The remaining two bedrooms share a Jack-and-Jill bath with a tub/shower combo. Completing the upper level is a dedicated laundry room with hanging and folding space and a full-size stackable unit — thoughtfully placed right where you need it. This is Old Florida living at its finest — land, lifestyle, and luxury, all within reach of everything you need.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,516

Sqft

10.3 ac

Lot size

2007

Year built

Two

Levels

$255

Per sqft

Private poolFireplace

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesDishwasher · Dryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Crown Molding · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric · Propane

Outside & construction

RoofShingle
ConstructionHardiPlank Type
FoundationSlab
FacesNorth
ExteriorPrivate Yard

Community & fees

Taxes (2025)$4,660/yr

Utilities & systems

UtilitiesElectricity Connected
WaterSee Remarks · 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.

$5,713 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,829
PMI (est., until 20% equity)$336
Property tax — 2025 actual bill$388
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $89,500Loan30-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% · $89,500
Interest rate6.00%
Loan term

Estimated payment

$5,713/mo

Principal & interest$4,829
PMI (est., until 20% equity)$336
Property taxes (actual bill)$388
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.

Where it sits

Inside Melrose

Map of 101 RAMSEY DRIVE

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 buyer13.2 months of inventoryBuyer’s 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 199% above the MELROSE 32666 median. See the full Melrose market guide →

Paper trail

This home's history

CurrentPrice reduced to $895,000 $100K
May 8, 2026Listed at $995,000 · 76 days on market since
2007Built · NONE

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 101 RAMSEY DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 101 RAMSEY 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.

Goes straight to David’s phone and CRM.

Straight answers

101 RAMSEY DRIVE FAQs

What would the monthly payment be for 101 RAMSEY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,713/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 101 RAMSEY DRIVE?+

The most recent tax bill on record (2025) was $4,660. 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 $895,000, this home is listed about 125% above the Melrose median of $397,000. The market section on this page shows how the area is trending.

Which schools are assigned to 101 RAMSEY 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

01Positioned at the premium end

$895,000 runs 199% above the MELROSE 32666 median — but at 3,516 sqft it's also nearly twice the size of the typical Melrose listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03The price has already moved

Listed at $995,000, now $895,000 — a $100K cut. The full history is in the market section below.

Listing courtesy of BOSSHARDT REALTY SERVICES LLC · Ken Cornell. MLS #GC539905.

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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