103 GROVE STREET, MELROSE, FL, 32666
Active78 days on marketListed May 16, 2026MLS #GC540230
About this home
103 GROVE STREET
Charming country cottage in the heart of downtown Melrose. This artist inspired, custom-built home features an open floor plan with high ceilings, ceramic tile flooring and lots of natural light! The kitchen has a gas range, SS Refrigerator, and farm sink. The primary bedroom has a half bath. Washer & dryer and included. The kitchen opens onto a 16x16 ft wood deck with hot tub and pergola and fenced back yard. There is a tool shed and a covered RV carport with concrete pad. Fully Finished 10x16 storage shed with 2 loft spaces and electric was used as artist studio. The corner lot has fruit trees, palms and a wildflower/pollinator garden. High speed cable internet access via Kenetic by Windstream. LOW Clay Electric Cooperative rates and LOW Putnam County taxes. Plenty of room to add an addition, ADU, or detached dream home while you live onsite. Rural ambiance, but located only blocks from Heritage Park. Walk to Mossman Hall, Melrose Bay Art Gallery, Melrose Community Center, and renowned Blue Water bay restaurant. Only 20 miles to Gainesville or Palatka. Melrose offers wonderful Small-town vibes and is well-known for its rich history, and its vibrant music, arts & culture scene. Become a part of this amazing community!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
800
Sqft
0.32 ac
Lot size
2016
Year built
One
Levels
$324
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.
$1,891 /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
$1,891/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 NOT IN SUBDIVISION
$324 vs $253
Days on market
78 vs 57 typical
Where $324/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 22% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 103 GROVE STREET
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$160,000
804 SE 5TH STREET · same community
3 bd · 1 ba · 788 sqft · $203/sqft · 7 DOM
Sold · Mar ’26$130,000
27 STORY ROAD · same community
2 bd · 1 ba · 864 sqft · $150/sqft · 3 DOM
Sold · Dec ’25$165,000
9630 NE 99TH PLACE · same community
3 bd · 2 ba · 914 sqft · $181/sqft · 0 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 103 GROVE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 GROVE STREET — 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
103 GROVE STREET FAQs
What would the monthly payment be for 103 GROVE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,891/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 103 GROVE STREET?+
The most recent tax bill on record (2025) was $1,101. 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 $259,000, this home is listed about 35% below the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 103 GROVE STREET?+
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 PAIS REALTY · David Pais. MLS #GC540230.
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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