FEMA Zone X — flood insurance generally not federally required
Built 1994 · 32 yrs
$217/sq ft — compared with the displayed median of $192 from recent nearby sales
New to market
HOA ~$50/mo (estimate; confirm)
This listing is shown at $549,000, with 3 bedrooms and 2 bathrooms, and 2,526 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms3
Bathrooms2
Living area2,526 sq ft
Lot sizeNot available on this page
Year built1994
Property typeSingle Family Residence
Financial
Est. monthly payment$3,629
Est. taxes / yr~$5,380
Est. insurance / yr~$3,205
HOA$50/mo
CDDNone on record
Price / sq ft$217
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$3,205/yr
Market
Days on market1
Neighborhood median DOM54
Active listings (area)17
Months of supply3.0
Comparable-sales median$450,000
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
47/100
A rules-based composite of the objective indicators below. Higher is generally more favorable to a buyer on that single metric.
Price vs area17
This home $217/sq ft vs area median $192/sq ft from recent nearby sales.
Affordability13
List price $549,000 vs area median $450,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost65
From FEMA Zone X and a 1994 build. Obtain a property-specific quote.
Market liquidity60
Area median 54 days on market, ~3.0 months of supply.
Investment metrics46
Objective supply and demand metrics for the area - not investment advice.
Renovation upside36
From a 1994 build and $217/sq ft vs area $192/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$549,000
List price
As listed in the MLS
3 / 2
Bed / bath
Per the listing
2,526
Living area
Sq ft (approx.)
$217
Price / sq ft
List ÷ living area
The home
Year built1994
Per public record.
Lot sizeSee record
Approximate; verify with survey.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$5,380/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 ft
Approximate parcel elevation (USGS).
WindstormLow
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
Price benchmark
Pricing & market trend in Orange Park Cc
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $426,894 – $543,090
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$426,894the mess$543,090
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a ~54-day neighborhood median
17 active listings competing in Orange Park Cc
7 under contract now
29% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈3.0 months of supply (one market-context metric; should not be used alone)
Median sale price is up 7% over the last 25 months
Homes here sell at about 98.8% of list price
67 closed here in the last 12 months
For reference, this home is listed at $549,000 ($217/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,526 sq ft × $169–$215/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 2, 2026.
Market analysis
Orange Park Cc market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
17Active listings
7Under contract
0New this month
3.0Months of supply
54Median days on market
29%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$549,000
Bed / bath3 / 2
Living area2,526 sq ft
Year built1994
Property typeSingle Family Residence
MLS #2153216
Listing statusNew — 1 days on market
Days on market1
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountyClay
Estimated first-year tax~$5,380/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$217
Estimated monthly payment$3,629
Estimated insurance~$3,205/yr
Messtimate rangeNot available on this page
Comparable-sales median$450,000
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,629
Principal & interest$2,863
Property tax$448
Insurance$267
CDD assessment$0
HOA$50
PMI$0
Down payment $109,800 · Loan $439,200. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$5,380/yr
The seller likely pays less due to the homestead cap. At a $549,000 purchase, expect your first full-year Clay bill near $5,380 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$3,205/yr
Estimate for a 1994 build in Clay. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~20 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Orange Park Cc
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Orange Park Cc neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Median sale price (set)
$450,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$192
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$217
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Orange Park Cc
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jun 2026 · Retail Dining
Parker's Kitchen enters Clay County permitting at Orange Park Mall
Parker's Kitchen filed for its first Clay County store, a convenience store and fuel station on an outparcel in the former Sears parking lot at Orange Park Mall, 83 Blanding Boulevard. Kimley-Horn is the civil engineer, and the Clay County Development Review Committee was set to discuss the plan in early July. A related environmental resource permit for the broader Sears redevelopment was submitted June 16.
Why it matters: If permitting advances, it would add another fuel and convenience option along the Blanding corridor, but the county review outcome is not yet settled.
Parker's Kitchen expands toward at least 11 area sites with new land buys
Savannah, Georgia based Parker's Kitchen has now been identified for at least 11 convenience store and fuel sites across Clay, Duval, Nassau, and St. Johns counties after roughly $10 million in new land purchases. In Clay County the chain paid about $4 million for a parcel at 222 Blanding Boulevard, with the deed recorded June 11, adding to its planned footprint along the Blanding corridor. The company expects its first wave of area stores to open by the third quarter of 2026.
Why it matters: Continued convenience and fuel retail investment along Blanding Boulevard may add to commercial activity in the Orange Park corridor, though several of the chain's local sites remain in earlier review stages and timing could shift.
Developer buys vacant Sears at Orange Park Mall for mixed-use overhaul
Neptune Beach-based developer Corta purchased the long-vacant Sears anchor and adjoining parcels at 1910 Wells Road, roughly 190,000 square feet that had sat empty since the store closed in 2020. The acquisition clears a key hurdle for a planned mixed-use overhaul of the site next to Orange Park Mall.
Why it matters: A redeveloped anchor parcel could draw additional retail and service tenants to the Wells Road corridor, which may influence nearby commercial demand over time.
HCA Florida opens freestanding ER in Oakleaf Plantation near Orange Park
HCA Florida opened a roughly 10,860-square-foot freestanding emergency facility in Oakleaf Plantation as an extension of Orange Park Hospital's emergency services. The construction and equipment cost was reported at about $26 million, serving the Clay and Duval county line area.
Why it matters: Added emergency-care capacity west of Orange Park could support the broader Oakleaf and US-17/Blanding service area as the population grows.
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.
Orange Park Elementary (Clay)Public PreK-6 · Clay County School District
Lakeside Junior High (Clay)Public 7-9 · Clay County School District
Orange Park High School (Clay)Public 9-12 · Clay County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Median of the set: $192/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Orange Park Cc
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Welcome to your own private retreat! Tucked away on a cul-de- sac and situated on 1.58 acres in a sought -after community, this beautiful 3-bedroom, 2-bath home offers the perfect blend of privacy, nature, and resort-style living. Backing to a serene, wooded preserve, you will enjoy peaceful views and frequent visits from deer that roam freely, creating a truly tranquil setting.
Inside the home features beautiful, engineered wood flooring flows throughout the main living areas, while a double-sided fireplace adds warmth with an inviting focal point and timeless appeal. Step outside to your covered in-ground pool, the perfect place for entertaining while taking in the beauty of the surrounding preserve.
The community offers exceptional amenities, including pickleball courts, frisbee golf, also a beautiful restaurant for dining. Whether you're looking for a peaceful escape or an active lifestyle this home offers the best of both worlds.
Description provided by UNITED REAL ESTATE GALLERY and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms3
Bathrooms2
Living area2,526 sq ft
Exterior & lot
Lot sizeSee record
TypeSingle Family Residence
Systems
Year built1994
Age32 yrs
Listing
MLS #2153216
StatusActive
Days on market1
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $549,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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
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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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
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.
