497 SE 3rd St, Melrose, FL 32666 Property Records

Bradford County property record for 497 SE 3rd St, Melrose, FL 32666

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,094 sqft · built 1976
Lot Size	0.429 acres (18,720 sqft)
Owner	2 Individual Names on File
Last Sale	$141,000 (Nov 2002)
Tax Bill	$2,150 (2025)
Deeds & Mortgages	Oct 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`06230-C-00500`

Property Details

APN / Parcel Number

Primary APN	`06230-C-00500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,094 sqft Heated Area
Gross Area	2,636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,720 sqft (0.429 acres)
Lot Dimensions	180 ft deep x 104 ft wide
Porch	Enclosed Porch
Utility Building	160 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	497 SE 3RD ST
City	MELROSE
State	FL
Zip	32666-5428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 9S 22 LOT 5 SEMINOLE RIDGE UNIT 3 DESC AS: COM SE COR OF SECTION N0622'43"E 814.56', S8955'W 1016.08', N14*47'E 520.63',
Legal Range	22E
Legal Township	09S
Legal Section	12
Legal Subdivision	SEMINOLE RIDGE #3
Legal Lot Number	5
Legal Unit	3
Jurisdiction	BRADFORD FL
Township / Civil Division	HAMPTON
Census Block Group	4
Census Block	4008
Census Tract	301

Owner

497 SE 3rd St is owned and occupied by two individuals who bought it in November 2002.

Source: Bradford County records, as of December 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	497 SE 3RD ST, MELROSE, FL 32666-5428
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2002 · Amount on File
Deed Sale	Nov 12, 2002 · Amount on File
Deed Document Number	0000095083
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD FL
Property Address	497 SE 3RD ST, MELROSE, FL 32666-5428
Document Number	0004009473
Instrument Date	Oct 24, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	497 SE 3RD ST MELROSE FL 326665428, MELROSE, FL 32666-5428

Mortgage

Document Number	0004009473
Date	Oct 30, 2019
Book Page	001816/000307
Instrument	4009473

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 29, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 497 SE 3rd St was $2,150 with a homeowner's exemption, up 11.8% from the year before.

Source: Bradford County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,150.00 (+11.8%) Homeowner's exemption	$160,701 (+2.9%)	$209,829 (+7.45%) Land $62,400 Building $147,429
2024	$1,923.00 (+3.39%) Homeowner's exemption	$156,172 (+3%)	$195,278 (+5.08%) Land $57,200 Building $138,078
2023	$1,860.00 (+6.04%) Homeowner's exemption	$151,623 (+3%)	$185,830 (+11.23%) Land $57,200 Building $128,630
2022	$1,754.00 Homeowner's exemption	$147,207	$167,069 Land $57,200 Building $109,869

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

Flood

FEMA maps place 497 SE 3rd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	143.1 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 63 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	63 in force
Nearby Flood Claims	9 (2017–2025)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Jan 2025 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 497 SE 3rd St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MELROSE WTP private · serves 1,300 people · EPA ID FL2544255
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Windstream DSL	200 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20