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Active

Active·268 days on market

2199 Astor Street 302

Orange Park, FL 32073

$540,000$251/sqftEst. $2,753/moMLS# 2115767
3
Beds
3
Baths
2,150
Sq Ft
1973
Built
Garage
No
Pool

About this home

Orange Park

Seller is motivated! NEW ROOF & BULKHEAD! Enjoy riverfront living at its finest in one of the largest residences in The Continental Palace. This spacious condo has 3 bedrooms that each have their own full bathroom and spacious walk in closets. Enjoy the convenience of an in unit laundry room and garbage service offering a low maintenance lifestyle. The unit has been freshly painted throughout the living areas and features an enclosed sunroom, perfect for relaxing while taking in the serene St. Johns River views. The private and peaceful setting, this home combines comfort and convenience in an unbeatable location. Residents have the option to access Club Continental amenities for a small additional fee, including swimming pools, a fitness center, and tennis courts.

Cost to own

Mortgage calculator

$540,000
$108,000
Loan Term
Monthly Payment
$2,753
Principal & Interest: $2,753
Property taxes (est.): $828
Insurance (est.): $360
Estimated Total Monthly
$3,941
*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$2,753
Property taxesest. at asking price, Clay County$828
HOAbilled monthly$1,200
Estimated total, before insurance$4,781/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$7,927/yr · $661/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

YearMarket valueTaxable valueChange
2025$561,554$453,537
2024$556,281$440,048
2023$478,016$425,775
2022$461,918$411,918
2021$461,389$422,426
2020$440,226$384,024

2024 property taxes (current owner): $7,927/yr

Estimated taxes if purchased at asking price: ~$9,900/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1973)

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

Sewer · FL0023922 · Public water (record)

County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.

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

Solar potential: ~1,635 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

  • Oct 30, 2025Listed$540,000

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

Features

Price$540,000
Price / Sq Ft$251
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,150
Year Built1973
TypeResidential
Sub-TypeCondominium
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

Community Information

Address2199 Astor Street 302, Orange Park, FL 32073
Area137-Doctor's Lake
SubdivisionContinental Palace
CityOrange Park
CountyClay
StateFL
Zip Code32073
Parcel Number41042601888301400

Amenities

AmenitiesElevator(s), Maintenance Grounds, Storage
UtilitiesCable Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Guest
ViewRiver
Waterfront TypeRiver Front

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingElectric
CoolingCentral Air
FlooringWood
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

ConstructionStucco

Additional Information

Date ListedOctober 30, 2025
Days on Market215
HOA Fees$1,200 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control, Sewer, Trash
Tax Amount$7,927.27
Tax Year2024
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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