133 ASHLEY LAKE DRIVE, MELROSE, FL, 32666
Pending6 days on marketListed Oct 29, 2026MLS #GC544466
About this home
133 ASHLEY LAKE DRIVE
Discover a peaceful lakefront opportunity in Ashley Lake Plantation. This 1.28-acre vacant parcel offers approximately 150 feet of lake frontage, approximately 150 feet of paved-road frontage, and an approximate depth of 376 feet. The mostly cleared property is accented by mature trees near the water and provides a beautiful setting for a potential future homesite, subject to county approval. Enjoy scenic lake views, generous outdoor space, and the charm of Melrose while remaining within commuting distance of Gainesville, Palatka, Starke, and Keystone Heights. All measurements are approximate. Buyers should independently verify zoning, permitted uses, flood zone, HOA requirements, utilities, well and septic feasibility, building requirements, and property dimensions.
Facts & features
The home at a glance
1.28 ac
Lot size
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 and the real association fee — not generic estimates.
$824 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$824/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Where it sits
Inside Melrose
Get to know Melrose. See the full Melrose guide →
MELROSE 32666 — neighborhood snapshot
Population
6,662
Median age
58.9
Median income
$68,765
Median home value
$218,000
Avg household
2.34
Households w/ children
418
For the school run
Clay County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Melrose market
$273K → $288K
Melrose median sold, yr/yr
91.8%
Sale-to-list ratio (12 mo)
Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% below the MELROSE 32666 median. See the full Melrose market guide →
Paper trail
This home's history
Reality check
What actually sold near 133 ASHLEY LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$155,000
118 MILLCREEK DRIVE · same community
2 bd · 2 ba · 1,104 sqft · $140/sqft · 381 DOM
Sold · Oct ’26$255,000
154 ASHLEY LAKE DRIVE · same community
3 bd · 2 ba · 1,174 sqft · $217/sqft · 0 DOM
Sold · Oct ’25$175,900
120 BLACKBERRY DRIVE · same community
3 bd · 2 ba · 1,667 sqft · $106/sqft · 78 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 133 ASHLEY LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 133 ASHLEY LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
133 ASHLEY LAKE DRIVE FAQs
What would the monthly payment be for 133 ASHLEY LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $824/mo — principal and interest, the actual property-tax bill, the $5/mo association fee 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.
How much are the HOA fees at 133 ASHLEY LAKE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 133 ASHLEY LAKE DRIVE?+
The most recent tax bill on record (2025) was $989. 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 133 ASHLEY LAKE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $78,900, this home is listed about 80% below the Melrose median of $398,000. The market section on this page shows how the area is trending.
Which schools are assigned to 133 ASHLEY LAKE DRIVE?+
Keystone Heights Elementary (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
01Under the MELROSE 32666 market on paper
$78,900 is 70% below the MELROSE 32666 median of $259,900.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a Melrose market that averages 91 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REMAX SELECT PARTNERS · Niky Vara. MLS #GC544466.
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 133 ASHLEY LAKE DRIVE but not quite? A daily digest of every new listing in Melrose — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kemarie to ping you on any price or status change →