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Pending

Pending·279 days on market

2662 Copperwood Avenue

Orange Park, FL 32073

$440,000$125/sqftEst. $2,269/moMLS# 2056184

Beds

Baths

3,518

Sq Ft

2023

Built

Garage

Pool

About this home

Orange Park

** Short Sale, Appraised at $480k ARV $510k! Experience luxury, convenience, and privacy in this stunning home with 5 oversized bedrooms and an additional bonus room featuring an added half bath. The gourmet kitchen, high ceilings, and abundant natural light create an inviting atmosphere. The first floor includes a private bedroom and full bath, perfect for occasional guests. Both the Master and Bonus rooms boast grand entrances with French doors. Enjoy the best of both worlds with breathtaking lake and preserve views from the back patio. Located within walking distance of all the upscale amenities Wilford Preserve has to offer, this home is the epitome of elegance and comfort.

Cost to own

Mortgage calculator

Home Price

$440,000

Down Payment: 20%

$88,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,269

Principal & Interest: $2,269

Property taxes (est.): $674

Insurance (est.): $293

Estimated Total Monthly

$3,237

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.69% · 30yr$2,269

Property taxesest. at asking price, Clay County$674

HOAbilled annually$68

Estimated total, before insurance$3,011/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $508,600 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$460,422	$460,422	—
2024	$449,898	$0	—
2023	$65,000	$48,400	—
2022	$55,000	$44,000	—
2021	$40,000	$40,000	—

2023 property taxes (current owner): $3,253/yr

Estimated taxes if purchased at asking price: ~$8,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 792 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.