Listing data updated September 26, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,582Sq Ft
2021Year Built
$171Per Sq Ft
2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
10% below
$/sq ft vs community
$171 here vs $191 median sold (12 mo)
Buyer leverage
Seller-leaning
3 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Below all 1
Price vs recent sales
Asking $270k is at or below all 1 recent closed sales
As of September 26, 2026, 964 GANO Avenue in Orange Park is listed at $270,000 (1,582 sq ft, about $171 per sq ft). That is 23% below Orange Park's median closed sale of $350,000 over the last 12 months (69 recorded sales). Per square foot it is below the community's recent $191/sq ft by about 10%. It came to market within the past week. Listing facts: built in 2021, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2021 · 5 yrs
1,582 sq ft of living area
2-car garage
Listed at $270,000 — recent neighborhood median sale price ~$350,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Golf course communitySchool district: Schools Orange Park is part of the Clay County SchoolCommunity built 1951–2007The Urban Bean Coffeehouse Cafe · 1 min driveOrange Park Farmers and Arts Market · 2 min driveKingsley East River Overlook · 2 min drive
Momentum Research · Orange Park South
Pricing & the Orange Park South market
How this home is priced against recent nearby sales, and where Orange Park South 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.
Price vs. size in Orange Park South
Each dot is a closed sale since 2001 (2338 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $171/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 38 (cold).
Property timeline
This home’s history
2021BuiltPer public record
Sep 6, 2026First trackedObserved at $270,000
NowUnder contractCurrently pending
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$1,792/mo
Principal & interest $1,441/mo80%
Taxes $220/mo12%
Insurance $80/mo4%
HOA $50/mo3%
$1,792/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Estimated from today’s asking price and current Clay County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,800/yr ($317/mo)
-$500 more each year
(--13%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$57,207
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.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
64/100
Strongest on: Affordability (88), Price vs area (76)
0 limited50100 exceptional
64/100 is solid, mid-pack 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 area76
This home $171/sq ft vs the community 12-month median $191/sq ft.
Affordability88
List price $270,000 vs the community median $350,000. Not a measure of personal affordability.
Market liquidity67
Community median 37 days on market, ~3.0 months of supply (12-month record).
Renovation upside30
From a 2021 build and $171/sq ft vs the community median $191/sq ft. Not a condition assessment.
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Market timing62
Momentum Market Heat is 38/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.0 months of supply in the surrounding market and 3 days on market for this home, against a 37-day area median.Days on market:this home 3Area median: 37 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 September 24, 2026.
🟡 Asking $171 per square foot, about 10% below the community’s $191 median. Orange Park South’s 12-month median sold price per square foot is $191. Median sold price per square foot is up 2.8% year over year. Confidence: Very High · 69 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.
76% of homes in Orange Park South are owner-occupied. An estimated 24% are non-owner-occupied, including 3% held in a company or trust and 6% 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), 804 homes matched. Community-level context.
Recent Orange Park South sales closed near 95.8% 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 September 24, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 17 active listings in Orange Park South, no CDD assessment.
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this beautiful 2021 built home in Orange Park! Offering modern comfort, low maintenance living, and an ideal location for an active family, this 3 bedroom, 2 bath paired home features 1,582 sq ft and sits on a desirable corner lot. The open concept layout is perfect for everyday living and entertaining.
The kitchen features granite countertops, stainless steel appliances, and ample cabinet space. The spacious primary suite offers a peaceful retreat, while the screened in back porch is perfect for morning coffee or relaxing evenings. Major systems, including the roof, HVAC, and water heater, are original to 2021.
City water and sewer add convenience and help keep maintenance simple. Enjoy an unbeatable location directly across from the OPAA Sports Complex, with the dog park and skate park just steps away. This home offers modern features, comfortable living, and easy access to recreation.
All 17 photos
Description provided by HERRON REAL ESTATE LLC and reproduced from the MLS; not independently verified.
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$270,000
Bed / bath3 / 2
Living area1,582 sq ft
Year built2021
Property typeTownhouse
Garage2-car
MLS #2163697
Listing statusNew — 3 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyClay
Area listings17 active · 9 under contract
Estimated first-year tax~$2,646/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$171
Estimated monthly payment$1,792
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$350,000
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
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.
$265,776the mess$338,548
Actual list price: $270,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 3 days on market vs. a 37-day community median
15 active listings competing, 10 under contract
≈3.0 months of supply
68 closed here in the last 12 months
For reference, this home is listed at $270,000 ($171/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: 1,582 sq ft × $168–$214/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 26, 2026.
Keep looking
Similar homes for sale near Orange Park
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.
Listed for $270,000Momentum Realty · on market 3 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$2,646/yr
A rough first-year estimate only, applying a typical Clay rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$500–$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
$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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by HERRON REAL ESTATE LLC · MLS # 2163697
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Market data · public records
Recent sales activity in Orange Park
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 neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$350,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$191
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Orange Park
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Orange Park Farmers and Arts Market 2 min
Dining
The Urban Bean Coffeehouse Cafe 1 min
Shopping
Gates Of Park Avenue 3 min
Parks
Kingsley East River Overlook 2 min
Assigned schools
Assigned schools
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.
GRADEB
Grove ParkAssigned elementary school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEB
Orange ParkAssigned middle school · Clay County School District · Grade B (Florida DOE 2025-26)
GRADEB
Orange ParkAssigned high school · Clay County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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.
Sold Sep 2026
$415,000
1832 PLAINFIELD Avenue, Orange Park
3 / 2 bd/ba · 1,734 sq ft · $239/sq ft
Courtesy of TRUDEALS REALTY CORP · View details →
Community 12-month median: $191/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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,238 – $1,800/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$588 – −$82At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 964 GANO Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2021: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
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.
Listed living area is 1,582 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 $2,646/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 26, 2026)
Community market stats
realMLS closed sales, as of September 24, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Estimated from county rates; not a quote
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 964 GANO Avenue and when was it built?
Per the listing record, 964 GANO Avenue was built in 2021 and has 1,582 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 964 GANO Avenue in?
964 GANO Avenue is in Orange Park, Clay County. The community section on this page shows recent closed sales, days on market, and active inventory for Orange Park from the same MLS data.
Does 964 GANO Avenue 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 964 GANO Avenue differ from the current owner's?
The estimate on this page (about $2,646 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 964 GANO Avenue 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 964 GANO Avenue 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.
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.
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.
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.
