David Ramirez
$530,000$540,0003 bd2 ba2,048 sqft$259 /sqft$4,051 /mo all-in ↓

1043 SE COUNTY ROAD 21B, MELROSE, FL, 32666

Active54 days on marketListed Jun 10, 2026MLS #GC541054

Reduced $10KFully furnishedSingle Family ResidenceINDIAN BAECH UN 3

About this home

1043 SE COUNTY ROAD 21B

Check out this awesome FULLY FURNISHED home nestled on 7.7 beautiful acres in the heart of Melrose's sought-after lake country! This home offers you the opportunity to move in and start enjoying it today or have as a perfect investment home set up and furnished to visit and use to enjoy the nearby lake activities when you want to get away. This spacious 3-bedroom, 2-bath home features over 2,000 square feet of living space and is designed for those who appreciate both indoor comfort and outdoor living. The property includes expansive covered & screened in porches surrounding the home, creating the perfect place to enjoy morning coffee, evening sunsets, and peaceful views of the park-like surroundings. Inside, you'll find a welcoming Great room with vaulted ceilings and a cozy fireplace, along with a formal dining area and an eat-in kitchen that makes entertaining a breeze. The split-bedroom floor plan provides privacy, while French doors from each bedroom offer direct access to the porches and beautiful outdoor spaces. Luxury vinyl plank and tile flooring throughout mean no carpet to maintain. The spacious primary suite features a jetted tub, walk-in shower, and generous walk-in closet. Outside, the possibilities are endless. Some of the acreage is cleared and fenced and has 25 raised garden beds with irrigation for the avid gardener and some established fruit trees growing, while the remaining land offers a natural wooded backdrop giving you a buffer of privacy. A massive 30' x 45' metal workshop with water, electricity, and four bay doors provides incredible space for hobbies, storage, equipment, or a home-based business. An additional carport, RV storage, covered storage, and a pump house make this property ideal for anyone needing room for boats, campers, tools, or recreational vehicles. Located just minutes from the public boat ramp on beautiful Lake Santa Fe, you'll enjoy easy access to fishing, boating, skiing, and all the outdoor recreation that makes the Melrose area so desirable. Whether you're looking for a peaceful homestead, hobby farm potential, or simply room to spread out and enjoy North Florida living, this unique property delivers the space, flexibility, and lifestyle you've been searching for. Only 20 minutes to Starke, 35 minutes to Gainesville and 1 hour to Jacksonville! Call to find out how to make this home yours today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,048

Sqft

7.74 ac

Lot size

2

Garage

2005

Year built

One

Levels

$259

Per sqft

FireplaceFurnished

Inside

FlooringLinoleum · Luxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Solid Surface Counters · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionHardiPlank Type
FoundationSlab
FacesWest
ParkingCovered · RV Carport
ExteriorGarden · Irrigation System · Private Mailbox

Community & fees

Taxes (2025)$6,437/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$4,051 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,120
FHA mortgage insurance (est.)$234
Property tax — 2025 actual bill$536
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,550Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,550
Interest rate6.00%
Loan term

Estimated payment

$4,051/mo

Principal & interest$3,120
FHA mortgage insurance (est.)$234
Property taxes (actual bill)$536
Est. insurance$160

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.

List $530K
$453KedgeAI estimate $509,795 · range $472K$525K$551K

vs edgeAI estimate

+4%

$/sqft vs Melrose actives

$259 vs $259

Days on market

54 vs 57 typical

Where $259/sqft sits among the 42 Melrose actives

5
11
6 · this home
9
6
5
$132–175$175–217$217–259$259–302$302–344$344+

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

Map of 1043 SE COUNTY ROAD 21B

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 buyer11.5 months of inventoryBuyer’s 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 61% above the MELROSE 32666 median. See the full Melrose market guide →

Paper trail

This home's history

CurrentPrice reduced to $530,000 $10K
Jun 10, 2026Listed at $540,000 · 54 days on market since
2005Built · INDIAN BAECH UN 3

Reality check

What actually sold near 1043 SE COUNTY ROAD 21B

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3051 SE STATE ROAD 21 UNIT 8Sold · Aug ’25

$300,000

3051 SE STATE ROAD 21 UNIT 8

3 bd · 3 ba · 1,950 sqft · $154/sqft · 365 DOM

1900 SE STATE ROAD 21Sold · Sep ’25

$860,000

1900 SE STATE ROAD 21

4 bd · 3 ba · 2,326 sqft · $370/sqft · 97 DOM

2444 SE COUNTY ROAD 21BSold · Nov ’25

$1,300,000

2444 SE COUNTY ROAD 21B

3 bd · 3 ba · 2,590 sqft · $502/sqft · 113 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1043 SE COUNTY ROAD 21B — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1043 SE COUNTY ROAD 21B — 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

1043 SE COUNTY ROAD 21B FAQs

What would the monthly payment be for 1043 SE COUNTY ROAD 21B?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,051/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 1043 SE COUNTY ROAD 21B?+

The most recent tax bill on record (2025) was $6,437. 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 $530,000, this home is listed about 34% above the Melrose median of $397,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1043 SE COUNTY ROAD 21B?+

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

$530,000 runs 61% above the MELROSE 32666 median — but at 2,048 sqft it's also 23% larger than the typical Melrose listing.

02Move-in furnished

The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.

03The price has already moved

Listed at $540,000, now $530,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of RE/MAX PROFESSIONALS · Danette Drageset. MLS #GC541054.

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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