Swisher Lakes
Homes for Sale in Melrose, FL
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-13, 3 recorded sales closed at a median of $475,000, $229 per square foot, a median 10 days on market, sellers accepting 97% of original asking (+13% versus the prior year). At the median price and Putnam County's FY2025-26 rate of 16.89 mills, annual property tax runs about $8,020 ($7,350 with the full homestead exemption).
Price in Swisher Lakes is set less by a single dominant home type than by construction era and condition: the community's 49 homes span a build range from 1979 to 2024, with a median year built of 2000, so buyers are effectively comparing older resale stock against much newer construction inside the same small footprint. The current median price of $475,000 works out to $229.25 per square foot on a median living area of 2,169 square feet — a figure that has to absorb everything from resale homes built as early as 1979 to houses built as recently as 2024.
On the ground, this is a scarce market: there are zero active listings right now, and the median price reflects the three most recent closings rather than a deep pool of comparables. A 10-day median days-on-market in that context says homes here move quickly once they do list, so sellers should expect a compressed window and buyers should expect to act fast — and accept limited choice — when something finally comes up.
Swisher Lakes right now
🟢 Still climbing. The trailing-12-month median ($475K) is up 12.6% from the prior 12 months ($422K). With about 1 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level realMLS closed sales, 12-month windows ending September 13. Confidence: Low (3 and 3 sales in the two windows).
What's unique here: the median sale price is about 2x the typical Putnam County sale ($475K vs $223K, trailing 12 months, realMLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 14, 2026 · Live data: realMLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Swisher Lakes right now. These are the 2 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Swisher Lakes market snapshot (as of September 13, 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. The trailing-12-month median is up 13% from the prior 12 months, computed from record-level realMLS closed sales (3 closings in the current window).
In ZIP 32666 (Melrose), 189 homes closed in the last 12 months at a median of $365K ($222/sq ft), up 2.0% year over year, with a median 30 days on market. Right now 34 active and 19 pending listings put supply at about 2.5 months — a healthy market. See the live ZIP 32666 housing market and the Putnam County market.
Swisher Lakes is a community of 36 homes in Melrose, Putnam County, built between 1979 and 2024 (median 2002.0), with a median living area of about 2,102 square feet. 46% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Swisher Lakes is a small, established pocket of Melrose in Putnam County — just 49 homes total — where construction spans from 1979 through 2024 under a median year built of 2000. Current MLS records show no identified community amenities, so the draw here is the homes and the land, not a clubhouse or gate.
Who Swisher Lakes is best for.
Best for
- A buyer targeting a specific Melrose/Putnam County location who can move quickly once a home lists.
- A buyer comfortable pricing a home individually rather than off a large set of comparable listings.
- A buyer or investor interested in a small, low-turnover community where inventory is scarce by nature.
Probably not for
- A buyer who wants to tour multiple active listings before deciding — there are currently none to see.
- A buyer on a tight timeline who cannot wait for a listing to surface in a 49-home community.
- A buyer seeking a uniform build era or a community amenity package, since none is identified here and construction spans 1979 to 2024.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 13 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, and the move from 2025 ($422K) IS the +12.6% one-year change.
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.
Swisher Lakes Market Scorecard
Swisher Lakes is currently a thin data market. Limited supply, a median asking price of n/a.
Go deeper: true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. 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 tight, thin market in Melrose
With a homestead share of 41.5%, Swisher Lakes runs below-majority owner-occupancy under Florida's exemption, which suggests a meaningful share of these 49 homes are held as second homes, rentals, or otherwise unhomesteaded — worth factoring into how you read any given listing's condition and motivation. At $229.25 per square foot against a median living area of 2,169 square feet, the community's pricing sits in line with typical Putnam County resale product, but with only 49 homes total, a single unusual sale can move the comps more than it would in a larger subdivision.
Zero active listings as of now means there is currently nothing to see in person inside Swisher Lakes — the market read here is built entirely on the three most recent closings and a 10-day median days-on-market, not a live inventory a buyer can walk through. That combination — small homes count, no current listings, quick turnover on what does sell — points to a community where patience and a standing search matter more than browsing a portal.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Swisher Lakes buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (7.2). Basis: Recent Direction +12.6% year-over-year; Owner Commitment 46% owner-occupied; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a 49-home community with zero active listings, there is no portal search that substitutes for a broker who tracks Swisher Lakes directly — knowing what a fair number looks like at $229.25 per square foot and how to move fast against a 10-day median days-on-market when something does surface. That is the kind of thin-inventory market where Momentum's direct tracking and relationships matter more than search filters.
Swisher Lakes in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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.
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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?
Should you buy in Swisher Lakes?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | realMLS, refreshed twice daily (last: September 13, 2026) |
| Community market stats | realMLS closed sales, 12-month windows ending September 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32656/32666)) |
| Under-contract shares | realMLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2014 (16 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 local comps.
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See how Swisher Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
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