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Active

Active·342 days on market

4688 Camp Creek Lane

Orange Park, FL 32065

$475,000$181/sqftEst. $2,422/moMLS# 2105966

Beds

Baths

2,628

Sq Ft

2012

Built

Garage

Pool

About this home

Orange Park

This beautiful 4 bedroom 3 bathroom home is move-in ready! Flex room offers extra space to accommodate the needs of the home. Kitchen features granite counter tops, stainless steel appliances, and tile floors. The kitchen overlooks the covered lanai with views to the spacious fenced backyard. Adult sized countertops in master, and walk-in closets in all bedrooms. Home comes with access to the Eagle Landing Amenities Center which offers an 18-hole golf course, 2 swimming pools, washer and dryer,90 in flatscreen TV convey.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,422

Principal & Interest: $2,422

Property taxes (est.): $728

Insurance (est.): $317

Estimated Total Monthly

$3,466

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,422

Property taxesest. at asking price, Clay County$728

HOAbilled annually$8

Estimated total, before insurance$3,158/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

Year	Market value	Taxable value	Change
2025	$398,651	$234,760	—
2024	$392,653	$227,437	—
2023	$390,287	$219,357	—
2022	$349,637	$211,512	—
2021	$277,651	$203,896	—
2020	$269,186	$200,391	—

Estimated taxes if purchased at asking price: ~$8,700/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2012)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record) · Public water · Clay County Utilities

County records show this parcel on central sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,799 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Aug 27, 2025Listed$475,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$475,000

Price / Sq Ft$181

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,628

Year Built2012

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Community Information

Address4688 Camp Creek Lane, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionEagle Landing

CityOrange Park

CountyClay

StateFL

Zip Code32065

Parcel Number13042400554200683

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup