119 PINE TRAIL, MELROSE, FL, 32666
Active132 days on marketListed Mar 1, 2026MLS #GC537837
About this home
119 PINE TRAIL
Welcome to this beautifully built 2024 home located on a quiet, wooded lot in Melrose. This 898 sq ft, 1-bedroom, 1-bath home with a bonus room offers modern, low-maintenance living in turn-key, like-new condition. The open-concept layout features luxury vinyl plank flooring, neutral finishes, and abundant natural light. The kitchen includes granite countertops, stainless steel appliances, white cabinetry, and a functional island, opening seamlessly to the living area. The primary bedroom is well-sized with ample closet space, while the bonus room provides flexibility for a home office, guest room, or nursery. The bathroom is finished with modern fixtures and a tiled tub/shower combo. Sliding glass doors lead to a peaceful backyard surrounded by mature trees. With new construction quality and no updates needed, this home is ideal for a first-time buyer, downsizer, or anyone seeking a move-in-ready property in a quiet North Florida setting.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
898
Sqft
0.5 ac
Lot size
2024
Year built
One
Levels
$219
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.
$1,572 /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
$1,572/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 Melrose actives
$219 vs $242
Days on market
132 vs 57 typical
Where $219/sqft sits among the 41 Melrose actives
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)
24 of 41
Melrose actives have cut their price
Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 119 PINE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$159,500
1675 SE 190TH AVENUE · same community
2 bd · 1 ba · 900 sqft · $177/sqft · 16 DOM
Sold · Oct ’25$90,000
19049 SE 16TH PLACE · same community
2 bd · 2 ba · 737 sqft · $122/sqft · 16 DOM
Sold · Jan ’26$124,500
8232 SWAN LAKE ROAD
2 bd · 2 ba · 910 sqft · $137/sqft · 412 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 119 PINE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 119 PINE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
119 PINE TRAIL FAQs
What would the monthly payment be for 119 PINE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,572/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 119 PINE TRAIL?+
The most recent tax bill on record (2025) was $1,979. 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 $197,000, this home is listed about 50% below the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 119 PINE 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.
The brief
Three things that matter here
01Under the MELROSE 32666 market on paper
$197,000 is 33% below the MELROSE 32666 median of $292,900, and at $219/sqft it sits under the Melrose average of $255.
02Time on market is leverage
132 days on market against a Melrose median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $218,000, now $197,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TREVOR WATERS REALTY INC · Branden Waters. MLS #GC537837.
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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