CENTURY 21 Edge
$814,9006 bd4 ba4,425 sqft$184 /sqft≈$5,368 /mo all-in ↓

8315 LILLY LAKE ROAD, MELROSE, FL, 32666

Active80 days on marketListed Jul 24, 2026MLS #GC541579

WaterfrontPrivate poolSingle Family ResidenceOPAL LAKE

About this home

8315 LILLY LAKE ROAD

Where Lake Life Meets Country Comfort! Imagine waking up beneath a canopy of mature oaks, spending your afternoons beside the pool, and ending the day with the peaceful beauty of private Lake Opal just beyond your door. Welcome to a truly special Melrose retreat—an expansive 4,425-square-foot brick home nestled on 1.69 acres of picturesque lakefront property. Designed for both comfortable everyday living and unforgettable gatherings, this six-bedroom, four-bath home offers the space, flexibility, and setting today's buyers are looking for. Inside, the heart of the home is the generous kitchen and inviting family spaces, where gatherings naturally become the centerpiece of everyday life. A spacious family room flows into a dedicated game room, complete with a pool table and built-in ping-pong table—creating an ideal setting for holidays, weekend guests, or simply enjoying time together. Need room for everyone? You have it. The home includes six bedrooms, the in-law suite features its own private entrance—perfect for extended family, guests, multigenerational living, or a private home office arrangement. One bedroom offers excellent flexibility as a dedicated office, study, or creative space. Storage is anything but an afterthought. A huge pantry/storage area, large laundry room with built-in drop zone and ironing board, plus additional storage beneath the pool deck provide practical solutions for everything from everyday organization to outdoor equipment. And then there is the lifestyle. Step outside and enjoy your own private oasis with a pool, hot tub, lake views, fenced yard, dog run, RV hookup, and oversized parking. Mature trees provide shade and privacy while Lake Opal creates a beautiful backdrop for quiet mornings, weekend recreation, fishing, swimming, and sunset gatherings. With a metal roof, brick exterior, private well and septic system, this property combines enduring construction with the relaxed appeal of lake-country living. Located in the Melrose/Keystone Heights area, the property offers a peaceful retreat while remaining conveniently positioned for access to Gainesville, Ocala, St. Augustine, and Jacksonville. More Than a Home—It's a Place to Gather, Unwind & Make Memories. Whether you're looking for a spacious primary residence, a multigenerational home, a private lake retreat, or simply a property where family and friends can come together, 8315 Lilly Lake Road offers an uncommon combination of space, privacy, recreation, and waterfront living. Come experience Lake Opal living for yourself. New Drain Field added Sept 2026, final inspection paperwork to be added to the Disclosures as soon as it is received. Also, some fresh paint occurring.

Facts & features

The home at a glance

6

Bedrooms

4

Bathrooms

4,425

Sqft

1.69 ac

Lot size

2

Garage

1999

Year built

Two

Levels

$184

Per sqft

Private poolWaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl · Tile
AppliancesDishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave · Range · Range Hood · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBrick · HardiPlank Type
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ParkingCircular Driveway · Driveway · Garage Door Opener · Ground Level · Open · Oversized · Parking Pad · RV Parking
ExteriorDog Run · French Doors · Irrigation System · RV Hookup · Sidewalk · Storage

Community & fees

Taxes (2025)$6,060/yr
PetsYes

Utilities & systems

UtilitiesElectricity 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.

$5,368 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,397
PMI (est., until 20% equity)$306
Property tax — 2025 actual bill$505
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $81,490Loan30-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% · $81,490
Interest rate6.00%
Loan term

Estimated payment

$5,368/mo

Principal & interest$4,397
PMI (est., until 20% equity)$306
Property taxes (actual bill)$505
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.

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

$184 vs $245

Days on market

80 vs 97 typical

Where $184/sqft sits among the 37 Melrose actives

5
7 · this home
10
7
4
4
$109–158$158–207$207–255$255–304$304–353$353+

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

Clay County School District

ElementaryMcRae Elementary School★★★★★
HighKeystone Heights Junior/Senior High★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Melrose market

Seller’s marketLeans buyer — 9.9 months of inventoryBuyer’s market

$333K → $290K

Melrose median sold, yr/yr

91.6%

Sale-to-list ratio (12 mo)

22 of 37

Melrose actives have cut their price

Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 175% above the MELROSE 32666 median. See the full Melrose market guide →

Paper trail

This home's history

Jul 24, 2026Listed at $814,900 · 80 days on market since
1999Built · OPAL LAKE

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.

Anealya Hammad

Your agent

Anealya Hammad

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 8315 LILLY LAKE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 8315 LILLY LAKE ROAD — before you fall in love.

See it in person

Schedule a tour

Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

8315 LILLY LAKE ROAD FAQs

What would the monthly payment be for 8315 LILLY LAKE ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,368/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 8315 LILLY LAKE ROAD?+

The most recent tax bill on record (2025) was $6,060. 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 8315 LILLY LAKE ROAD?+

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 $814,900, this home is listed about 106% above the Melrose median of $396,500. The market section on this page shows how the area is trending.

Which schools are assigned to 8315 LILLY LAKE ROAD?+

McRae Elementary School (elementary), Keystone Heights Junior/Senior High (high) — Clay 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

$814,900 runs 175% above the MELROSE 32666 median — but at 4,425 sqft it's also nearly 3 times the size of the typical Melrose listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

McRae Elementary School, Keystone Heights Junior/Senior High — McRae Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of CLASSIC PROPERTIES OF NORTH FLORIDA · Carolyn Quinones. MLS #GC541579.

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.

Never miss a listing

New Melrose homes, in your inbox

Like 8315 LILLY LAKE ROAD but not quite? A daily digest of every new listing in Melrose — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Anealya to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated October 11, 2026 at 3:36 AM UTC. The listing information on this page last changed on October 11, 2026 at 3:36 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on October 11, 2026 at 3:36 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: October 11, 2026 at 3:36 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.