6519 Neale Rd, Melrose, FL 32666 Property Records

Clay County property record for 6519 Neale Rd, Melrose, FL 32666

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,138 sqft · built 1986
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$435,000 (Oct 2021)
Tax Bill	$5,575 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Oct 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-09-23-005523-001-01`

Property Details

APN / Parcel Number

Primary APN	`08-09-23-005523-001-01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,138 sqft Living Area
Gross Area	2,900 sqft
1st Floor Area	2,138 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	672 sqft

Exterior Amenities

Pool Area	392 sqft
Porch	Finished Screened Porch
Porch Area	617 sqft
Deck Area	64 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	6519 NEALE RD
City	MELROSE
State	FL
Zip	32666-8851
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NE1/4 OF NW1/4 S8T9R23 AS REC OR 4516 PG 1983
Legal Range	23E
Legal Township	09S
Legal Section	08
Jurisdiction	CLAY FL
Township / Civil Division	KEYSTONE HEIGHTS
Census Block Group	2
Census Block	2028
Census Tract	31104

Owner

6519 Neale Rd is owned and occupied by an individual who bought it in October 2021.

Source: Clay County records, as of June 17, 2026

Owner of Record	Individual Name on File
Mailing Address	6519 NEALE RD, MELROSE, FL 32666-8851
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

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · Line of Credit FLORIDA CU
Oct 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FLORIDA CU
Feb 23, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST FEDERAL BANK
Apr 13, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 11, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Jun 7, 2018	Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2021 · Amount on File
Deed Sale	Oct 1, 2021 · Amount on File
Prior Sale	Jun 7, 2018 · Amount on File
Deed Document Number	202162103
Deed Book / Page	4516 / 1983
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6519 NEALE RD, MELROSE, FL 32666-8851
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6519 NEALE RD, MELROSE, FL 32666-8851

Mortgage

Document Number	0047950114
Date	Feb 14, 2024
Book Page	4795/114
Instrument	2024007033

Lender

Name	FLORIDA CU
Type	Credit Union
Address	GAINESVILLE, FL 32627

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 13, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Oct 1, 2021
Property Address	6519 NEALE RD, MELROSE, FL 32666-8851
Document Number	0045161983
Book / Page	4516 / 1983
Instrument Date	Sep 29, 2021
Instrument	2021062103
Transaction Type	Transfer
Record Updated	Oct 11, 2021
Title Company	LAKE AREA TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5669 HIAWATHA ST, 5669, KEYSTONE HEIGHTS, FL 32656-8217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6519 NEALE RD, MELROSE, FL 32666-8851

Mortgage

Document Number	45161987
Date	Oct 1, 2021
Instrument	4516/1987

Lender

Name	FLORIDA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6519 NEALE RD, MELROSE, FL 32666-8851
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	ADVANTAGE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6519 NEALE RD, MELROSE, FL 32666-8851

Mortgage

Document Number	0044191278
Date	Feb 23, 2021
Book Page	4419/1278
Instrument	2021010952

Lender

Name	FIRST FEDERAL BANK
Type	Bank
Address	ALPHARETTA, GA 30022

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6519 NEALE RD, MELROSE, FL 32666-8851
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042971216
Date	Apr 13, 2020
Book Page	4297/1216
Instrument	2020018580

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY FL
Property Address	6519 NEALE RD, MELROSE, FL 32666-8851
Document Number	0041921553
Instrument Date	Mar 11, 2019
Transaction Type	Mortgage
Record Updated	May 31, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6519 NEALE RD MELROSE FL 326668851, MELROSE, FL 32666-8851

Mortgage

Document Number	0041921553
Date	May 20, 2019
Book Page	004192/001553
Instrument	25364

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

Interest

Rate	0.5%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY FL
Recording Date	Jun 7, 2018
Property Address	6519 NEALE RD, MELROSE, FL 32666-8851
Document Number	0040910636
Book / Page	4091 / 0636
Instrument Date	Jun 6, 2018
Instrument	2018029275
Transaction Type	Transfer
Record Updated	Feb 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6519 NEALE RD, 6519, MELROSE, FL 32666-8851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4010 N BLUEWATER DR, HERNANDO, FL 34442-3151

Mortgage

Document Number	2018029276
Date	Jun 7, 2018
Instrument	2018029276

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6519 Neale Rd was $5,575 with a homeowner's exemption, up 4.7% from the year before.

Source: Clay County assessment roll, as of December 3, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,575.00 (+4.71%) Homeowner's exemption	$405,706	$508,542 Land $41,994 Building $466,548
2024	$5,324.00 (-3.85%)
2023	$5,537.00 (+5.17%) Homeowner's exemption	$382,790 (+3%)	$449,508 (+20.95%) Land $32,996 Building $416,512
2022	$5,265.00 Homeowner's exemption	$371,641 Land $23,996 Building $347,645	$371,641 Land $23,996 Building $347,645

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

Flood

FEMA maps place 6519 Neale Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective July 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 35 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	35 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 6519 Neale Rd is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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