Melrose Homes under $400,000

Melrose Homes under $400,000

Welcome to Melrose, Florida – a hidden gem nestled in the heart of North Central Florida. This charming town, known for its picturesque landscapes and friendly community, offers a unique blend of small-town charm and modern conveniences. With its serene lakes, lush greenery, and vibrant local culture, Melrose is the perfect place for those seeking a peaceful retreat while still being close to urban amenities.

One of the most appealing aspects of Melrose is its affordability. For homebuyers looking for properties under $400,000, Melrose presents an array of delightful options. Whether you're searching for a cozy cottage, a spacious family home, or a charming bungalow, this area has something for everyone. Many homes feature beautiful outdoor spaces, perfect for enjoying the year-round Florida sunshine, and often come with modern updates that make moving in a breeze.

The community spirit in Melrose is palpable, with local events and gatherings that foster connections among neighbors. Enjoy weekend farmers' markets, community festivals, and outdoor activities that showcase the natural beauty of the region. Plus, with its proximity to larger cities like Gainesville and Palatka, residents can easily access shopping, dining, and entertainment while returning home to the tranquility of Melrose.

Discover the charm of Melrose and find your dream home today. With homes available under $400,000, now is the perfect time to invest in this vibrant community and start making memories in your new Florida home!

Newest Melrose Homes under $400,000

8231 Swan Lake Road, Melrose
$300,000
4 Beds ⋅ 2 Baths ⋅ Hillcrest On A Lake SubDv. ⋅ 32666 Zip Code
Welcome to Keystone Heights, the City of Lakes! This charming 4-bedroom, 2-bath home sits just a half-block from SR 100 on approximately 1.5 acres. The property offers a unique blend of comfortable living space and outdoor enjoyment, featuring beautiful established gardens and space that has been enjoyed as an animal park. Inside, the home offers a spacious living room with plantation shutters, along with a dining area and additional flexible living space. The bedrooms are conveniently located down the same hallway, while the generously sized primary suite is positioned toward the front of the home and features plantation shutters, a large walk-in/California-style closet, and a recently updated bathroom with a large shower and generous vanity. The property also includes a storage shed and an enclosed garage with a laundry area and an additional large flex space—perfect for a home gym, workshop, craft room, or whatever best suits your needs. Enjoy the welcoming front porch and peaceful surroundings with views across the road. Located in Clay County near the Putnam County line, this property offers the space, privacy, and small-town charm that make Keystone Heights such a special place to call home. The home is approximately 1,716 square feet, including the front porch.

8231 Swan Lake Road, Melrose
752 N State Road 21, Melrose
$264,900
3 Beds ⋅ 2 Baths ⋅ Whitehead & Files Surv SubDv. ⋅ 32666 Zip Code
If being near Lake Santa Fe and lower property taxes sounds like what you're looking for, this home is for you. With only being five minutes from the lake, it makes backing down the boat, riding your jet ski, and fishing easy to do. On 1.85 acres, you'll immediately feel at ease as soon as you enter the property. This beautiful and unique concrete block home is elevated off the ground with no worries of flooding and invites you in with its natural light and warm, welcoming atmosphere. With an open layout, this home is perfect for entertaining, and areas to work from home or have a playroom area. You'll find 3 cozy bedrooms and 2 charming bathrooms here. Beyond the kitchen is a Florida Room with beautiful nature views where doing laundry will feel more enjoyable and less like a chore. Right outside the fully-fenced front and backyard, sits raised garden beds waiting for your plants and green thumb. There is a large garage perfect for storing your tools, using it as a workshop, housing your outdoor toys, or the perfect opportunity if you have a business - with its own separate electric meter! Around the back of the home you can access the basement where your water heater, plumbing and water softener system are all situated for easy access. Beautiful fruit trees (loquat, kumquat and orange) stand throughout the property. Bonus is an RV hookup nestled in the rear of the property. This home is situated in Melrose (Putnam County) conveniently located 20-30 minutes to Gainesville, providing a much smoother commute compared to other surrounding cities. Located throughout the charming town are local-loved restaurants such as Fryers, Gator Bait, and Blue Water Bay and beautiful parks such as Jill McGuire Santa Fe Lake Park, Melrose Bay Park, and Melrose Heritage Park. You can have it all here with an idyllic retreat at home, lake living, small-town charm and nearly everything just around the corner!

752 N State Road 21, Melrose
7217 Ne 221st Street, Melrose
$249,500
3 Beds ⋅ 2 Baths ⋅ N/A SubDv. ⋅ 32666 Zip Code
GREAT LOCATION JUST STEPS TO SANTE FE LAKE. CAN BE A GOOD "GET AWAY ESCAPE HOME" FOR ANYONE. NOT A LARGE PLACE BUT HAS A PLEASANT COUNTRY CHARM. 3RD BEDROOM HAS A BUILT IN MURPHY BED. VERY POPULAR AREA WITH THE SNOW BIRDS. PROBABLY A GREAT SHORT TERM RENTAL OPPORTUNITY FOR EXTRA INCOME. JUST MINUTES TO MELROSE TO THE EAST AND GAINESVILLE TO THE WEST. SEVERAL EXTRA STORAGE BUILDINGS STAY. GREAT PLACE FOR PEACE AND QUIET.

7217 Ne 221st Street, Melrose
5930 Island Road, Melrose
$398,000
2 Beds ⋅ 2 Baths ⋅ Canal Shores Sub SubDv. ⋅ 32666 Zip Code
Nestled on Island Road in Melrose, escape to your private waterfront oasis on the desirable Santa Fe Canal, with direct access to the expansive 6,000-acre Santa Fe Lake. This beautifully updated 2-bedroom, 2-bath home blends indoor comfort with outdoor Florida living-all just minutes from a public boat ramp and picnic area. Detached 2-car garage for storage, projects, or extra parking. Sprinkler system keeps the landscape lush with minimal effort. Canal-side deck ideal for cookouts, fishing, or relaxing by the water. Recent major updates: HVAC (2023), water heater (2024) plus many more recent improvements throughout. Vaulted ceiling with a stone-accent gas fireplace creates a warm, open great room. Split bedroom floor plan for privacy and flexibility. Enclose sunroom-perfect for morning coffee or enjoying outdoors from inside.

5930 Island Road, Melrose
377 Se 4th Avenue, Melrose
$395,000
3 Beds ⋅ 2 Baths ⋅ Seminole Rdg Un No 5 SubDv. ⋅ 32666 Zip Code
Under Construction. BEAUTIFUL NEW CONSTRUCTION IN DESIRABLE MELROSE! Welcome home to this beautifully crafted new construction by D.R. Baker Construction, offering quality, comfort, and thoughtful design on a spacious half-acre lot in desirable Melrose, Bradford County. Just one block from Lake Santa Fe, this 3-bedroom, 2-full-bath home offers an inviting blend of modern style and relaxed Florida living. Step inside to a bright and welcoming open-concept floor plan featuring over 1,551 square feet of living space, high ceilings, and abundant natural light. The spacious kitchen is designed for both everyday living and entertaining, with an open layout and center island that creates the perfect gathering spot for family and guests. The desirable split-bedroom floor plan provides privacy for the spacious primary suite, which features elegant tray ceilings, a generous walk-in closet, and a light and bright primary bathroom. Two additional bedrooms and a full bath offer plenty of room for guests or a home office. An oversized inside utility room provides excellent storage and workspace, adding everyday convenience to this thoughtfully designed home. Step outside and enjoy your morning coffee or unwind at the end of the day from either the front or back covered porch. The beautiful half-acre lot provides room to enjoy the peaceful surroundings and embrace the laid-back lifestyle that makes Melrose so special. Located in Melrose, Bradford County, with an easy commute to Gainesville, Orange Park, and Palatka, this home offers a wonderful opportunity to enjoy new construction, a beautiful setting, and convenient access to surrounding communities. Come see the quality and beauty of a D.R. Baker Construction home for yourself!

377 Se 4th Avenue, Melrose
107 Crystal Lake Drive, Melrose
$180,000
2 Beds ⋅ 2 Baths ⋅ Ashley Lake Plantation SubDv. ⋅ 32666 Zip Code
2/2 DWMH on over 2 acres and close to Historic Melrose. This home has been well maintained. Features include new flooring, NEW ROOF, upgraded windows, screened porch, open porch, 2 storage buildings, beautiful Live Oak trees, easy maintained lawn. This property even includes access to Ashley Lake. Great location for commuting to Gainesville and Palatka. Schedule your tour today!

107 Crystal Lake Drive, Melrose
21919 Ne 69th Place, Melrose
$209,000
3 Beds ⋅ 2 Baths ⋅ Lake Bonnet Estates Ph Ii SubDv. ⋅ 32666 Zip Code
Charming 3-Bedroom, 2-Bath Home on 1 Fully Fenced Acre in Lake Bonnet Estates. Sixteen miles and you are in Gainesville. Take a short walk and you are viewing beautiful Lake Santa Fe. Nestled on a 1-acre fenced lot, this spacious 1996 mobile home offers plenty of room both inside and out. Featuring 3 bedrooms and 2 full bathrooms, the open floor plan creates a welcoming atmosphere that's perfect for everyday living and entertaining. The kitchen boasts a convenient center island, ample cabinet space, and flows seamlessly into the main living areas. A designated laundry room adds extra functionality and convenience. Enjoy additional living space in the large bonus sun room located off the back of the home, providing the perfect spot for relaxing, hobbies, or gathering with family and friends. Step outside to a small rear deck or unwind on the expansive front deck complete with a wheelchair-accessible ramp. A new roof was put on in 2022 and has a transferable warranty. The primary bedroom, spacious bathroom and walk-in closet have just had brand new lvp flooring installed. Outside, you'll find a 2-car carport and two storage sheds, offering plenty of room for vehicles, tools, equipment, and outdoor storage needs. If you're looking for country living with room to spread out while still enjoying modern conveniences, this property is a must-see!

21919 Ne 69th Place, Melrose
561 Se 28th Street, Melrose
$367,000
3 Beds ⋅ 2 Baths ⋅ Boykin SubDv. ⋅ 32666 Zip Code
Welcome to a beautiful waterfront retreat in the heart of Lake Geneva Estates in Melrose, Florida—where everyday living feels like a private getaway. This exceptional 3-bedroom, 2-bath canal-front home offers the perfect rural living: sweeping water views underneath the most beautiful oak trees. From the moment you arrive, the paved driveway leads you to an inviting entrance that sets the tone for what’s inside. Step through the door into a spacious open-concept living area where high ceilings and a panoramic layout seamlessly connect the living room, kitchen, and dining space. The kitchen is designed for both function and gathering, featuring abundant counter space and sleek stainless steel appliances. Anchoring the living room is a warm brick wood-burning fireplace, creating a cozy focal point that flows naturally into the Florida room—where walls of windows showcase stunning canal and island views. The primary suite is a peaceful retreat with a generous walk-in closet and a private en-suite bath. An interior utility room adds everyday convenience and functionality. Outdoor living is where this property truly shines. An oversized garage provides ample storage, while the screened lanai invites you to relax and take in serene views of the canal just beyond your backyard. A patio overlooks lush green grass that invites all the wildlife to entertain you—your own natural sanctuary waiting to be explored. Nature surrounds you here, with frequent sightings of whistling wood ducks, sandhill cranes, deer, and more, creating a peaceful and vibrant wildlife backdrop. Tucked away in a quiet, desirable neighborhood, this property offers the rare combination of privacy, waterfront living, and convenience—just minutes from local restaurants, shopping, and everyday essentials. And best of all—NO HOA. Offered at $397,500, this is more than a home—it’s a lifestyle, a retreat, and an extraordinary opportunity to own a slice of Florida paradise. *Additional 8.2 acre island lot available at $97,000

561 Se 28th Street, Melrose
111 2nd Street, Melrose
$240,000
2 Beds ⋅ 2 Baths ⋅ Atlantic Shores SubDv. ⋅ 32666 Zip Code
Cute Lakefront Gem in Melrose: Fully Rehabbed 2-Bed/2-Bath with Screened Pool. Discover this charming 2-bedroom, 2-bath home, perfectly situated on a lake with a low water level ideal for peaceful enjoyment. The owner has completely rehabbed the property with top-tier upgrades, including a new plumbing system, new HVAC, new hot water heater, new well pump, new pressure tank, and a new pool pump. A new roof is scheduled to be installed prior to closing, ensuring you move into a worry-free home. Interior Highlights: New stainless-steel appliances and quartz countertops in a modern kitchen with new cabinets. Brand-new bathrooms. All upgrades in 2025. Spacious laundry room with ample storage. Fresh new paint in every room. Outdoor Features: Screened-in ground pool for safe, relaxing swim time. Three outbuildings. Cute patio on lakeside. Lake views with a serene, low-water shoreline. Cute Lakefront Gem in Melrose: Fully Rehabbed 2-Bed/2-Bath with Screened Pool. Discover this charming 2-bedroom, 2-bath home, perfectly situated on a lake with a low water level ideal for peaceful enjoyment. The owner has completely rehabbed the property with top-tier upgrades, including a new plumbing system, new HVAC, new hot water heater, new well pump, new pressure tank, and a new pool pump. A new roof is scheduled to be installed prior to closing, ensuring you move into a worry-free home. Interior Highlights: New stainless-steel appliances and quartz countertops in a modern kitchen with new cabinets. Brand-new bathrooms. All upgrades in 2025. Spacious laundry room with ample storage. Fresh new paint in every room. Outdoor Features: Screened-in ground pool for safe, relaxing swim time. Three outbuildings. Cute patio on lakeside. Lake views with a serene, low-water shoreline.

111 2nd Street, Melrose
8232 Swan Lake Road, Melrose
$149,900
2 Beds ⋅ 2 Baths ⋅ Hillcrest On Lake SubDv. ⋅ 32666 Zip Code
Just minutes from Historic Melrose Florida is this move in ready 2 bed 2 bath manufactured home on Lake Swan Road. The Large 2.7 acre partially wooded property is just beautiful and has paved road frontage. The split floor plan home has over 900 Sq ft. It has a large handi-capped accessed covered deck with a large open area for family gatherings. Other property features included are: an unfinished cottage, 2 car carport, large storage building, paved driveway, RV site with hookups and large deck. What a great place to enjoy some rural living again, yet being close to major towns like Gainesville, Palatka, Ocala and Starke Florida. But you'll find most all your conveniences just down the road in Historic Melrose and Keystone Heights: Restaurants, drug stores, Doctors, food stores, entertainment, cultural activities and for your recreational water enjoyment like: wake surfing, kayaking. fishing, skiing, swimming, there's 6000 acre Santa Fe Lake. See why so many are leaving the Big Cities and getting back to more of the country way of life and with this much property you'll have all types of opportunities. Raise some chickens, start a Victory garden and so much more. Showings are easy, give us a call and take a look.

8232 Swan Lake Road, Melrose
468 28th Way, Melrose
$259,000
2 Beds ⋅ 2 Baths ⋅ Geneva Lake Estates SubDv. ⋅ 32666 Zip Code
Move-in ready 2-bedroom, 2-bathroom home in the desirable Geneva Lake Estates community! This beautifully updated home features a new 40-year metal roof installed in 2023, a remodeled kitchen with granite countertops, a new range, and microwave, plus a major 2024 renovation that added a spacious second bedroom. Fresh interior and exterior paint give the home a clean, modern feel, while the 24' x 12' screened room with an insulated roof, completed in 2024, provides the perfect space to relax or entertain year-round. A 10' x 12' storage shed offers additional storage. Located in a quiet, walkable neighborhood, the home is just minutes from Winn-Dixie and is conveniently situated between Keystone Heights and Melrose, offering easy access to shopping, dining, schools, and nearby lakes. This is a wonderful opportunity to own an extensively updated home in a great location.

468 28th Way, Melrose
145 Crystal Lake Drive, Melrose
$298,000
3 Beds ⋅ 2 Baths ⋅ Ashley Lake Plantation SubDv. ⋅ 32666 Zip Code
Welcome home to this beautifully renovated 3-bedroom, 2-bath double-wide manufactured home situated on 1.01 private, wooded acres. Just minutes from Lake Santa Fe! Thoughtfully updated from top to bottom, this move-in-ready home offers the perfect blend of modern comfort, peaceful surroundings, and everyday functionality. Step inside to an open and spacious floor plan featuring a cozy fireplace in the living room, a beautifully updated kitchen with a center island ideal for cooking and entertaining, and a charming built-in hutch in the dining area. Large windows fill the home with natural light, creating a warm and inviting atmosphere throughout. Step outside to the expansive screened back porch, where you can relax with your morning coffee, entertain family and friends, or simply enjoy the beauty of nature from the comfort of your own backyard. One of the property’s biggest advantages is in a NO Flood Zone, giving you added freedom and potential savings on ownership costs, has a shed and generator. Located just minutes from the charming town of Melrose, you’ll enjoy a welcoming community known for its local art galleries, community events, scenic parks, and quaint restaurants with outdoor dining. Conveniently located near Keystone Heights and Gainesville, you’ll have easy access to shopping, dining, healthcare, and everyday conveniences while still enjoying the tranquility of country living. This beautiful gem will not last long, book your showing today!

145 Crystal Lake Drive, Melrose
Start Your Search