
121 SERENA CIRCLE, MELROSE, FL, 32666
Active15 days on marketListed Jul 8, 2026MLS #GC541786
About this home
121 SERENA CIRCLE
Searching for a carefree home in the peaceful Melrose area? This beautifully refurbished 2-bedroom, 2-bath concrete block home sits on 2 mostly cleared acres with nearly every major update already completed for worry-free living. Recent improvements include a new HVAC system, new roof on the home (installed in late 2023), a months-old roof on the detached two-story Tudor-style garage, new appliances, new well pump, new water heater, new 110-volt wiring throughout both levels of the detached garage, new porcelain tile and flooring throughout the home, and updated plumbing fixtures. The septic system was pumped and inspected at the end of 2023, and a spacious concrete patio provides the perfect space for outdoor entertaining. The detached Tudor-style garage offers endless possibilities as a she shed, home office, workshop, or guest space, while the attached garage could potentially be converted into a third bedroom. A professionally installed 4-foot retaining wall spanning approximately 50 yards elevates the home's grade for added peace of mind regarding wetlands and insurance. The seasonal Lake at the rear of the property varies with annual rainfall, adding a natural backdrop to the property. A private driveway leads to the home and only two quiet neighbors, with convenient curbside garbage pickup. Survey available upon request. Located just about 20 miles from Gainesville and 25 miles from Palatka with minimal traffic, you'll enjoy the charm of historic Melrose, featuring local shops, boutiques, restaurants, a farmers market, ACE Hardware, and a Winn-Dixie just a couple of miles away. This move-in-ready property combines country tranquility with modern updates and small-town convenience.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,318
Sqft
2.39 ac
Lot size
1
Garage
1985
Year built
One
Levels
$220
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.
$2,262 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,262/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.
Where it sits
Inside Melrose
Get to know Melrose. See the full Melrose guide →
MELROSE 32666 — neighborhood snapshot
Population
5,542
Median age
62.1
Median income
$66,540
Median home value
$206,000
Avg household
2.17
Households w/ children
268
For the school run
Putnam County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Melrose market
$333K → $180K
Melrose median sold, yr/yr
91.9%
Sale-to-list ratio (12 mo)
Median sold price, Melrose, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% below the MELROSE 32666 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 121 SERENA CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 SERENA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
121 SERENA CIRCLE FAQs
What would the monthly payment be for 121 SERENA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,262/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 121 SERENA CIRCLE?+
The most recent tax bill on record (2025) was $3,196. 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 $290,000, this home is listed about 27% below the Melrose median of $397,000. The market section on this page shows how the area is trending.
Which schools are assigned to 121 SERENA CIRCLE?+
Melrose Elementary School (elementary), Interlachen Junior-Senior High School (high) — Putnam County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of CENTURY 21 LAKESIDE REALTY · Trey Fields, III. MLS #GC541786.
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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