listed Oct 14, 2026Single Family Residence▼ Price cut: $20,000 (10/28)
$175,000
3-Bedroom Pool Home in Bellair
431 Valderia Drive, Orange Park, FL 32073
Single Family Residence in Bellair, Orange Park · No CDD on record
Bellair · Orange Park, FL 32073 · Clay County
Listing data checked against the MLS November 3, 2026 at 4:49 PM ET · rechecked hourly
Listed by EXP REALTY LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,410Sq Ft
1964Year Built
$124Per Sq Ft
Private poolNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
30% below
$/sq ft vs community
$124 here vs $178 median sold (12 mo)
Buyer leverage
Buyer advantage
19 days on market
14.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 12
Price vs recent sales
Asking $175k is at or below all 12 recent closed sales
431 VALDERIA Drive in Bellair, Orange Park is listed at $175,000 (1,410 sq ft, about $124 per sq ft). That is 30% below Bellair's median closed sale of $249,900 over the last 12 months (19 recorded sales). Per square foot it is below the community's recent $178/sq ft by about 30%. It has been listed Oct 14, 2026. Listing facts: built in 1964, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1964 · 62 yrs
1,410 sq ft of living area
Listed at $175,000 — recent neighborhood median sale price ~$249,900 (nearby sales; deemed reliable, not an appraisal)
listed Oct 14, 2026
No HOA reported by the listing (confirm)
Community built 1949–1986Park Village · 3 min driveAsian Grocers · 4 min driveYummy Yummy Caribbean Food · 4 min drive
Listing description
About this home
SHORT SALE - CASH, HARD MONEY, OR RENOVATION LOANS ONLY. Opportunity awaits with this 3-bedroom, 2-bath concrete block home featuring a spacious floor plan, screened patio, fenced backyard, and inground saltwater pool. The interior offers a generous living area with a freestanding wood-burning fireplace, tiled dining area, and eat-in kitchen with newer appliances.
With some TLC, this property offers excellent potential for investors or buyers looking to renovate and make it their own. Important Property Details: Roof approximately 11 years old, A/C approximately 10 years old, and water heater replaced in 2025. The pool is currently not operational, and its present condition differs from previous marketing photos.
Property needs repairs and is being sold as-is. Conveniently located near Blanding Boulevard's shopping and dining, Orange Park Mall, and NAS Jacksonville. No HOA fees!
Bring your vision and unlock this property's potential!
All 21 photos
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
6 closed sales in Bellair in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Dec 2025
$227,000
491 CLERMONT Avenue, Orange Park
3 / 2 bd/ba · 1,420 sq ft · $160/sq ft
· View details →
Sold Jun 2026
$230,000
295 BONNLYN Drive, Orange Park
4 / 2 bd/ba · 1,392 sq ft · $165/sq ft
· View details →
Sold Jul 2026
$245,000
472 SIGSBEE Road, Orange Park
4 / 2 bd/ba · 1,380 sq ft · $178/sq ft
· View details →
Sold Jan 2026
$255,000
521 CLERMONT Avenue, Orange Park
3 / 2 bd/ba · 1,442 sq ft · $177/sq ft
· View details →
Sold Jun 2026
$275,000
287 GANO Avenue, Orange Park
3 / 2 bd/ba · 1,466 sq ft · $188/sq ft
· View details →
Sold Sep 2026
$240,000
552 S CLERMONT Avenue, Orange Park
3 / 2 bd/ba · 1,352 sq ft · $178/sq ft
Courtesy of ROUND TABLE REALTY · View details →
Median of these 6 sales: $249,900 ($178/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$175,000
Bed / bath3 / 2
Living area1,410 sq ft
Year built1964
Property typeSingle Family Residence
PoolYes
MLS #2169137
Listing statuslisted Oct 14, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~59 ft
CountyClay
Area listings23 active · 6 under contract
Estimated first-year tax~$1,875/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$124
Estimated monthly payment$1,205
Insurance (illustrative)$1k–$2k/yr
Messtimate range$232,650 – $250,980
Comparable-sales median$249,900
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,205/mo
Principal & interest $954/mo79%
Taxes $156/mo13%
Insurance $95/mo8%
$1,205/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Clay County rate (15.05 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $2,575/yr ($215/mo) — taxable value $171,269 × 15.05 mills
$700 less each year
(−27%)
The current taxable value ($171,269) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$221,991
Market value
$221,991
Assessed
$171,269
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: Clay County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 431 Valderia Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $2,575/yr (certified county roll, taxable value × millage). Buy at the asking price of $175,000 and the first-year bill resets to about $1,875/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.05 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Clay County is $1,189/yr (606 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$1,500/yr; neither is a quote.
Roof and age
Built in 1964. An original roof would be about 62 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $255/month (tax $156, insurance $99). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~59 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Clay County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Moderate
Coastal floodingRelatively Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtVery Low
HailVery Low
Cold waveVery Low
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Meadowbrook
Pricing & the Meadowbrook market
How this home is priced against recent nearby sales, and where Meadowbrook has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1964BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Oct 14, 2026)
Oct 14, 2026First seen on movewithmomentum.comObserved at $195,000
Oct 28, 2026Price cut$175,000 (-$20,000, -10.3%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $175,000EXP REALTY LLC · listed Oct 14, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
74/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
74/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $124/sq ft vs the community 12-month median $178/sq ft.
Affordability100
List price $175,000 vs the community median $249,900. Not a measure of personal affordability.
Market liquidity44
Community median 28 days on market, ~14.5 months of supply (12-month record).
Pricing power54
Recent sales closed at about 97.2% of original asking (~2.8% below). More room below asking generally favors buyers.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 14.5 months of supply in the surrounding market and 19 days on market for this home, against a 28-day area median.Days on market:this home 19Area median: 28 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of November 1, 2026.
🟡 Asking $124 per square foot, about 30% below the community’s $178 median. Meadowbrook’s 12-month median sold price per square foot is $178. Confidence: Medium · 19 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
61% of homes in Meadowbrook are owner-occupied. An estimated 39% are non-owner-occupied, including 8% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 701 homes matched. Community-level context.
Recent Meadowbrook sales closed near 97.2% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending November 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 23 active listings in Meadowbrook, no CDD assessment.
Checked against the MLS November 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # 2169137
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Keep looking
Similar homes for sale near Bellair
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Schools
Clay school district says one-mill referendum renews, not raises, property tax
The Clay County school district says the referendum on the upcoming ballot renews the one-mill levy voters first approved in 2020 at the same rate. The money funds school law enforcement contracts and compensation to retain and attract teachers and support staff. A citizens' advisory committee reviews spending, and the district says non-renewal would leave a funding shortfall.
Why it matters: The outcome sets school operating funding and staffing support for Clay County without changing the current millage rate. The site is about 13 miles south of Bellair Meadowbrook Terrace.
Northeast Florida home sales dip in September as inventory tightens
Closed sales across the six-county Northeast Florida Association of Realtors area fell 7.7% year over year to 1,608, with the median price at $398,566, up 2.8%. Active inventory dropped 18.4% to 6,348 homes. Median prices were $344,000 in Duval, $575,000 in St. Johns, $355,000 in Clay and $496,500 in Nassau.
Why it matters: Lower inventory with softer sales volume points to a thinner supply of listings across all four counties, with Clay the only one of the four showing a year-over-year price decline. The site is about 12 miles northeast of Bellair Meadowbrook Terrace.
County Road 220 widening and Little Black Creek bridge replacement open to traffic in Clay County
The project finished ahead of schedule, with a new four-lane bridge over Little Black Creek replacing a 1947 structure. Phase 1 began in December 2024 with intersection improvements at Rideout Ferry Road, and Phase 2 began in January 2025. Officials say it should ease traffic along the corridor.
Why it matters: A four-lane CR 220 corridor improves commute capacity for Fleming Island and Middleburg area drivers. The site is about 6 miles south of Bellair Meadowbrook Terrace.
Hillwood contracts with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center
Master developer Hillwood contracted with the City of Jacksonville for 192 acres at AllianceFlorida at Cecil Commerce Center on Jacksonville's Westside, continuing the buildout of the former Naval Air Station Cecil Field into an industrial and logistics park.
Why it matters: Continued absorption of large industrial parcels at Cecil signals sustained employment growth on the Westside, which can support housing demand across nearby communities. The site is about 8 miles west of Bellair Meadowbrook Terrace.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Clay County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
W. E. CherryAssigned elementary school · Clay County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Asian Grocers 4 min
Dining
Yummy Yummy Caribbean Food 4 min
Shopping
Park Village 3 min
Parks
Skate Station Funworks 4 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 431 VALDERIA Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1964 (62 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Clay County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 1,410 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,875/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $700 less per year than the current owner’s estimated bill (−27%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: November 3, 2026)
Comparable sales
realMLS closed sales in Bellair, last 18 months, as of November 1, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 431 VALDERIA Drive and when was it built?
Per the listing record, 431 VALDERIA Drive was built in 1964 and has 1,410 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 431 VALDERIA Drive in?
431 VALDERIA Drive is in Bellair in Orange Park, Clay County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 431 VALDERIA Drive have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 431 VALDERIA Drive differ from the current owner's?
The estimate on this page (about $1,875 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $700 less per year than the current owner’s estimated bill (−27%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 431 VALDERIA Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 431 VALDERIA Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
This property’s public records
Currently offered as a short sale per its MLS listing (as of 2026-11).
Shown because it is part of this property’s own public record (county Clerk Official Records / MLS status). Records can lag or be superseded — verify with the county clerk before relying on them. No statement about the surrounding area is made or implied.
Momentum Realty
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
