Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$270,000

121 SERENA Circle, Melrose, FL 32666, Melrose, FL 32666

Atlantic Shores

Price
$270,000
Beds / Baths
2 / 2
Living area
1,318 sqft
Year built
1985
Type
Residential
Lot
2.39 ac
Garage
1
HOA
None
CDD
No
Flood zone
Unknown
County
Putnam
Days on market
55

$205/sqft asking, vs a $187/sqft median across 81 closed sales in 32666 over the last 12 months — 10% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Looking for a carefree lifestyle in the peaceful Melrose area? This beautifully updated 2-bedroom, 2-bath concrete block home sits on 2 mostly cleared acres with major improvements already completed. Updates include a new HVAC system, new roof on the home (2023), new roof on the detached two-story Tudor-style garage, new appliances, well pump, water heater, porcelain tile and flooring, plumbing fixtures, and new electrical wiring throughout the detached garage. The septic was pumped and inspected in late 2023. Enjoy the large concrete patio, perfect for entertaining. The detached garage offers endless possibilities as a workshop, home office, guest space, or she shed, while the attached garage could be converted into a 3rd bedroom. A private driveway, seasonal Lake, and peaceful setting complete the property. Conveniently located about 20 miles from Gainesville and 25 miles from Palatka, with shops, restaurants, and everyday conveniences nearby.

What to check on this one

  • Verify roof installation date and contractor warranty on 2023 roof.
  • Request septic inspection report from late 2023 and pumping records.
  • Confirm well pump age, last service date, and water quality test results.
  • Obtain flood zone designation and elevation certificate for waterfront property.
  • Review electrical work permits for detached garage rewiring.
  • Get HVAC system installation date and maintenance records.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$1,401/mo
Property tax (1.1% eff., Putnam Co.)$248/mo
Homeowners insurance (est.)$292/mo
All-in monthly (est.)$1,941/mo

Loan $216,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of CENTURY 21 LAKESIDE REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 14, 2026, 5:27 PM.

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. Information is deemed reliable but not guaranteed.