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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Pending

Pending·398 days on market

331 Neptune Road

Orange Park, FL 32073

$175,000$106/sqftEst. $969/moMLS# 2107734
3
Beds
2
Baths
1,653
Sq Ft
1973
Built
2
Garage
No
Pool
No HOA13,504 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$969
Property taxesest. at asking price, Clay County$268
Estimated total, before insurance$1,238/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$175,000
$35,000
Loan Term
Monthly Payment
$969
Principal & Interest: $969
Property taxes (est.): $268
Insurance (est.): $117
Estimated Total Monthly
$1,354
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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

Taxes & assessment

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

YearMarket valueTaxable valueChange
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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $182/sq ft; this home is listed at $106/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
411 Capricorn Lane, Orange Park, FL 32073Listed by OPENDOOR BROKERAGE, LLC.Sep 2026$250,000$1595/21,568280.1
333 Dillon Court, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$325,000$2063/21,57680.4
685 Bowie Boulevard, Orange Park, FL 32073Listed by IRON VALLEY REAL ESTATE NORTH FLORIDAAug 2026$290,000$1823/21,59630.7
553 Thomas Stone Court, Orange Park, FL 32073Listed by TPR REAL ESTATE GROUP INCSep 2026$281,000$1643/21,714751.3
552 S Clermont Avenue S, Orange Park, FL 32073Listed by ROUND TABLE REALTYSep 2026$240,000$1783/21,352181.3
8435 Beautybush Court, Jacksonville, FL 32244Listed by MOMENTUM REALTYAug 2026$340,000$2054/2.51,65671.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$175,000
Price / Sq Ft$106
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,653
Acres0.31 acres
Year Built1973
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
Property ConditionFixer
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address331 Neptune Road, Orange Park, FL 32073
Area131-Meadowbrook/Loch Rane
SubdivisionMeadowbrook
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size13,503.6 sq ft
Parcel Number01042501175802800

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesNone
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1
LevelsOne

Additional Information

Date ListedSeptember 8, 2025
Days on Market34
Tax Amount$3,025.92
Tax Year2024
Listing TermsCash
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 7 STAR REALTY, INC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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