0000 Lady Bug Ln, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot435,600 sqft

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About this home

0000 Lady Bug Ln is a home Melrose. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Escape to your own private slice of Old Florida on this beautiful 10 acre high and dry lot tucked away on Lady Bug Lane in Melrose. Surrounded by larger acreage parcels, native woods, and open farmland, this property offers the rare combination of true seclusion without sacrificing convenience. Untouched natural beauty creates a breathtaking setting filled with wildlife and peaceful country living. Whether your vision is a custom cabin in the woods, mini-farm, or weekend retreat, this property gives you the freedom to build the lifestyle you want. All this yet just 5 minutes from Twin Lakes Park and less than 20 minutes from numerous lakes, boating, fishing, parks, and outdoor recreation options. If you’ve been searching for space, freedom, and the opportunity to enjoy country living the way it was meant to be, this is it!

The essentials

On market
105 days
Annual tax
$42
Flood zone
X · Low risk
Lot
435,600 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$1,033/mo
Down payment (20%)
$36,000
Property taxes
$4/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
435,600 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
105
Flood Zone X
Annual Tax (2025)
$42
Parcel #
35-08-23-005249-022-01

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

County
Clay
MLS Area
32666 - Melrose
Lot Size
435,600 sqft
Wooded

Price history

Date
Event
Price
8/4/2026
Price change
Source: Stellar MLS #A4698672
$180,000-10.0%
7/2/2026
Listed for sale
Source: Stellar MLS #A4698672
$199,900

Neighborhood

0000 Lady Bug Ln
Melrose, FL, 32666 · 32666 - Melrose

Calculator

Est. monthly payment
$1,032/mo
Principal & interest$939
Property taxes$4
Insurance$90
Down payment20% · $36,000
Interest rate6.80%
Loan term

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Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$180,000

Time on market

105 days

Monthly payment

About $1,033/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $42 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byEPIQUE REALTY INC.Listing agent: Walter KeyListing data from Stellar MLS, MLS# A4698672.

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