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Active

Active·308 days on market

944 Laurel Valley Drive

Orange Park, FL 32065

$599,900$186/sqftEst. $3,059/moMLS# 2109387

Beds

Baths

3,226

Sq Ft

2020

Built

Garage

Pool

About this home

Orange Park

This meticulously maintained, 5-year-old Avalon II is the epitome of luxury living in the highly sought-after Eagle Landing community. Featuring 5 spacious bedrooms, 4 full baths, and a 3-car garage, this home offers an open, 3-way split floor plan designed for modern living. The open-concept living room is perfect for entertaining or relaxing, featuring an elegant electric fireplace that adds warmth and ambiance for cozy nights in. The owner's retreat is a private oasis with bay windows that provide additional space and natural light. The ensuite bath includes his and her sinks, a step-in shower, a separate garden tub, and an expansive his and her closet for ultimate comfort and convenience. A private second floor includes a generously sized bedroom, a full bathroom, and a large loft/game room complete with a sink--ideal for entertaining guests or enjoying family time. The gourmet kitchen is a chef's dream

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $919

Insurance (est.): $400

Estimated Total Monthly

$4,378

*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$3,059

Property taxesest. at asking price, Clay County$919

HOAbilled annually$5

Estimated total, before insurance$3,983/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,024/yr · $752/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

Year	Market value	Taxable value	Change
2025	$495,387	$341,143	—
2024	$485,053	$330,822	—
2023	$472,068	$319,731	—
2022	$454,847	$308,963	—
2021	$348,508	$298,508	—
2020	$40,000	$14,641	—

2024 property taxes (current owner): $9,024/yr

Estimated taxes if purchased at asking price: ~$11,000/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 2020)

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

Solar potential: ~1,729 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

Sep 18, 2025Listed$599,900

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

Features

Price$599,900

Price / Sq Ft$186

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,226

Acres0.22 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address944 Laurel Valley Drive, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionEagle Landing

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size9,583.2 sq ft

Parcel Number13042400554201526

ZoningResidential

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Covered, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2