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Active

Active·22 days on market

729 Cherry Grove Road

Orange Park, FL 32073

$450,000$180/sqftEst. $2,294/moMLS# 2112480

Beds

Baths

2,496

Sq Ft

1993

Built

Garage

Yes

Pool

About this home

Orange Park

BANK APPROVED LIST PRICE! Rare short sale opportunity with highly motivated sellers, bring all offers! POOL HOME in GATED Orange Park Country Club, on an oversized corner lot. Expect open living spaces, soaring ceilings, a bright kitchen, plantation shutters, + a cozy fireplace. Benefit from peace of mind with major systems--2017 HVAC & Roof ~ 10yr Water heater. Enjoy year-round entertaining with the sparkling pool, complete with a newly installed toddler safety gate for peace of mind. The community has recently undergone a refresh & now offers some of the area's most sought-after amenities. Country Club membership includes access to The Hub, a 4,600 sf space with pickleball courts, golf simulators, patio games, and a wedding venue, plus a new restaurant and bar, summer camps for kids, community events, and a 9-hole disc golf course.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,294

Principal & Interest: $2,294

Property taxes (est.): $690

Insurance (est.): $300

Estimated Total Monthly

$3,284

*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$2,294

Property taxesest. at asking price, Clay County$690

HOAbilled semi-annually$133

Estimated total, before insurance$3,117/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$5,231/yr · $436/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: $529,000 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$466,203	$324,003	—
2024	$433,959	$314,165	—
2023	$440,106	$284,747	—
2022	$389,959	$274,998	—
2021	$315,533	$265,533	—
2020	$258,010	$197,640	—

2024 property taxes (current owner): $5,231/yr

Estimated taxes if purchased at asking price: ~$8,300/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 1993)

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: ~1,735 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