Lot 1 SE 16th St, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot10,019 sqft

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About this home

Lot 1 SE 16th St is a home in Santa Fe Shores, Melrose. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Build your dream home on this approximately 0.23-acre buildable corner lot with canal frontage leading to Lake Santa Fe, already equipped with a power pole and meter, with soil testing completed—no mounded septic system required and only approximately 8 inches of fill needed. Lot 1 also includes an existing (older) septic system and an old well, with the drop pipe still in place (pump has been stripped). Setbacks allow 25 feet from the canal, 15 feet from the road, and a 5-foot variance on the sides, offering flexibility for your build. Located on a quiet dirt road, this property provides access to Lake Santa Fe, a 5,850-acre spring-fed lake known as one of the most stable in Florida, ideal for fishing, boating, wakeboarding, and kayaking. While the canal water level is currently low due to seasonal conditions, it typically provides direct access to one of North Central Florida’s premier recreational lakes. This listing is for Lot 1, with contiguous Lot 2 (also approximately 0.23 acres) available separately or together for a combined total of approximately 0.46 acres. Zoned for residential homes only, with possible owner financing available at 20%+ down; survey on file and available upon request.

The essentials

On market
200 days
Annual tax
$844
Flood zone
X · Low risk
Lot
10,019 sqft
Type
Land

At a glance

Land
Waterfront
Canal - Freshwater
10,019 sqft lot
Lot size

Payment

Est. monthly payment
$327/mo
Down payment (20%)
$8,980
Property taxes
$70/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
10,019 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Canal - Freshwater
Days on Market
200
Flood Zone X
Annual Tax (2025)
$844
Parcel #
06219-C-00100

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

Subdivision
Santa Fe Shores
County
Bradford
MLS Area
32666 - Melrose
Lot Size
10,019 sqft

Price history

Date
Event
Price
6/9/2026
Price change
Source: Stellar MLS #GC538632
$44,900-10.0%
3/28/2026
Listed for sale
Source: Stellar MLS #GC538632
$49,900

Neighborhood

Lot 1 SE 16th St
Melrose, FL, 32666 · 32666 - Melrose

Calculator

Est. monthly payment
$327/mo
Principal & interest$234
Property taxes$70
Insurance$22
Down payment20% · $8,980
Interest rate6.80%
Loan term

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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

$44,900

Time on market

200 days

Monthly payment

About $327/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $844 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 byCENTURY 21 LAKESIDE REALTYListing agent: Trey Fields, IIIListing data from Stellar MLS, MLS# GC538632.

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