331 Neptune Road

Orange Park, FL 32073

$175,000$106/sqftEst. $892/moMLS# 2107734

Beds

Baths

1,653

Sq Ft

1973

Built

Garage

Pool

About this home

Orange Park

SHORT SALE!! SHORT SALE!! Seller accepting CASH ONLY!! MULTIPLE OFFERS!! HIGHEST AND BEST DUE BY FRIDAY, 9/26/2025 AT 10 AM. Needs TLC. Bankruptcy short sale will take about 120 days to get response on offer from lien holders. 3 bedroom, 2 bath home.

Cost to own

Mortgage calculator

Home Price

$175,000

Down Payment: 20%

$35,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$892

Principal & Interest: $892

Property taxes (est.): $268

Insurance (est.): $117

Estimated Total Monthly

$1,277

*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$892

Property taxesest. at asking price, Clay County$268

Estimated total, before insurance$1,160/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,026/yr · $252/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $265,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$219,073	$219,073	—
2024	$217,312	$167,312	—
2023	$214,137	$214,137	—
2022	$187,524	$39,013	—
2021	$145,959	$36,421	—
2020	$135,446	$35,228	—

2024 property taxes (current owner): $3,026/yr

Estimated taxes if purchased at asking price: ~$3,200/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.