Swisher Lakes
Homes for Sale in Melrose, FL
True comps, carrying-cost math, and listings before the portals.
The 60-Second Overview
Swisher Lakes market snapshot (as of July 15, 2026): the median sale price is about $475K ($229 per sq ft over the trailing 12 months of closed sales), and a median 10 days on market for closed sales.
Swisher Lakes is a community of 49 homes in Melrose, Putnam County, built between 1979 and 2024 (median 2000), with a median living area of about 2,169 square feet. 42% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 of each year, from record-level realMLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($475K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Source: Data provided by realMLS. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Putnam County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Putnam County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
13% of homes for sale in ZIP 32666 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-12).
Swisher Lakes Market Scorecard
Swisher Lakes is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
The Swisher Lakes buying strategy.
If we were buying in Swisher Lakes today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Swisher Lakes.
A closer look at the Swisher Lakes market
At a median of $229 per square foot, Swisher Lakes prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The housing stock is 49 homes built between 1979 and 2024, and 42% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Swisher Lakes. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Swisher Lakes buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Swisher Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Swisher Lakes, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Swisher Lakes home worth?
Get a no-obligation home value based on real comparable sales in Swisher Lakes, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Swisher Lakes on the map →
Frequently Asked Questions
What is the median home price in Swisher Lakes?
How long do homes in Swisher Lakes take to sell?
How many homes are in Swisher Lakes?
What share of Swisher Lakes is owner-occupied?
When were the homes in Swisher Lakes built?
Who is the best real estate agent for Swisher Lakes?
How do I find a top Melrose real estate agent who knows Swisher Lakes?
Can Momentum Realty connect me with an agent for Swisher Lakes?
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: July 14, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 32656/32666)) |
| Under-contract shares | realMLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2014 (15 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the realMLS member average and 8 days faster, and we’ll price yours against live your area comps.
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