238 SE 28th Loop, Melrose, FL 32666 Property Records

Bradford County property record for 238 SE 28th Loop, Melrose, FL 32666 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2005
Square Footage	1,782 sqft Heated Area
Garage	Carport
Occupancy	Owner Occupied
Tax Bill	$3,982.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06203-A-02800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,782 sqft Heated Area
Gross Area	2,654 sqft Gross Area
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Exterior Material	Stucco Exterior
Construction Type	Concrete Blocks Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Garage Type	Carport Garage
Carport	Carport

Exterior Amenities

Shed	1 Shed
Shed Area	192 sqft Shed
Porch	Open Porch
Utility Building	336 sqft Utility Building

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Street Address	238 SE 28TH LOOP
City	MELROSE
State	FL
Zip	32666-5325
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	36 8S 22 LOT 28 OF GENEVA LAKE ESTATES
Legal Range	22E
Legal Township	08S
Legal Section	36
Legal Subdivision	GENEVA LAKE ESTATES
Legal Lot Number	28
Jurisdiction	BRADFORD FL
Minor Civil Division	HAMPTON
Census Blockgroup	1
Census Block	1020
Census Tract	301

Owner

Source: Bradford County records · APN 06203-A-02800

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	238 SE 28TH LOOP, MELROSE, FL 32666-5325
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Jul 02, 2019	Warranty Deed, Transfer · Conventional Mortgage VYSTAR CU
Mar 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) VYSTAR CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 03, 2025
Deed Sale	Jan 03, 2025
Prior Sale	Aug 31, 2010 · Amount on Record
Deed Doc Number	0002127326
Deed Book / Page	1797 / 388
Prior Transfer Date	Jul 02, 2019
Prior Transfer Doc	201904005796
Record Refreshed	Jun 08, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	238 SE 28TH LOOP, MELROSE, FL 32666-5325
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 SE 28TH LOOP, MELROSE, FL 32666-5325

Mortgage

Document Number	0004007327
Date	Aug 03, 2022
Book Page	1983/582
Instrument	202204007327

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD FL
Recording Date	Jul 02, 2019
Property Address	238 SE 28TH LOOP, MELROSE, FL 32666-5325
Document Number	0004005796
Book / Page	001797 / 000388
Instrument Date	Jun 28, 2019
Instrument	4005796
Transaction Type	Transfer
Record Updated	Jul 25, 2019
Title Company	NORTH CENTRAL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,414.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	238 SE 28TH LOOP MELROSE FL 326665325, MELROSE, FL 32666-5325

Mortgage

Document Number	4005797
Date	Jul 02, 2019
Book Page	001797/000390
Instrument	4005797

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	238 SE 28TH LOOP, MELROSE, FL 32666-5325
Document Number	0004003076
Book / Page	001675 / 000191
Instrument Date	Mar 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	238 SE 28TH LOOP MELROSE FL 326665325, MELROSE, FL 32666-5325

Mortgage

Document Number	0004003076
Date	Apr 05, 2017
Book Page	001675/000191
Instrument	4003076

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	300 Months
Due	Apr 04, 2042

Tax Assessment & Valuation

Source: Bradford County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Bradford County
Unified School District	Bradford County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,982.00 (+4.54%) Homeowner's exemption	$277,754 (+5.32%) Land $33,000 Building $244,754	$277,754 (+5.32%) Land $33,000 Building $244,754
2024	$3,809.00 (+7.36%)	$263,731 (+5.35%) Land $33,000 Building $230,731	$263,731 (+5.35%) Land $33,000 Building $230,731
2023	$3,548.00 (+15.65%)	$250,332 (+24.2%) Land $33,000 Building $217,332	$250,332 (+24.2%) Land $33,000 Building $217,332
2022	$3,068.00	$201,558 Land $22,000 Building $179,558	$201,558 Land $22,000 Building $179,558

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bradford County (12007C), updated November 2, 2018 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 52% of the US · above 23% of Florida
Wildfire Likelihood	About 1 in 820 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

238 SE 28th Loop, Melrose, FL 32666 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on SE 28th Loop

Nearby Streets

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