523 SE 28TH WAY, MELROSE, FL, 32666
Active8 days on marketListed Oct 29, 2026MLS #GC544517
About this home
523 SE 28TH WAY
Bring the fishing boat, poles, and the jet skis. Have you been looking for somewhere in the Lake region to fish or ride those jet skis? You have located it now. 1.01 acres located on Geneva Creek. This is the ultimate man cave. The structure is 24 x 40, enclosed with Hardie-board. It includes a finished Man cave/workshop already finished in the back of the building. The structure includes a toilet, sink, water heater, and 100 Amp panel box. The structure is concrete block, hardi-board planks, and a new metal roof, with an additional lean-to for extra toys or the fishing boat. The creek never runs dry and is always moving, thus always clear. There is a septic tank (980 gallons), and Clay County Utilities is already hooked up to the water. Recently surveyed with stakes still in, including an elevation certificate. THIS PROPERTY IS BEING SOLD AS IS
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
1,148
Sqft
0.51 ac
Lot size
2025
Year built
One
Levels
$131
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.
$1,292 /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
$1,292/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.
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
$131 vs $230
Days on market
8 vs 91 typical
Where $131/sqft sits among the 36 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.
The numbers that matter
The Melrose market
$273K → $288K
Melrose median sold, yr/yr
91.8%
Sale-to-list ratio (12 mo)
25 of 36
Melrose actives have cut their price
Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% below the Melrose median. See the full Melrose market guide →
Paper trail
This home's history
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
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 523 SE 28TH WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 523 SE 28TH WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
523 SE 28TH WAY FAQs
What would the monthly payment be for 523 SE 28TH WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,292/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 523 SE 28TH WAY?+
The most recent tax bill on record (2025) was $430. 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 $150,000, this home is listed about 62% below the Melrose median of $398,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of CB ISAAC REALTY · Ronald Blake. MLS #GC544517.
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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