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Pending

Pending·107 days on market

2164 Marcia Drive

Orange Park, FL 32073

$289,000$178/sqftEst. $1,487/moMLS# 2119068

Beds

Baths

1,626

Sq Ft

1976

Built

Garage

Pool

About this home

Orange Park

Solid 3-bedroom, 2-bath home offering 1,626 sq ft with a newer 2023 roof. Located in the Montclair community of Orange Park, this single-story residence sits on a spacious lot with a serene, wooded backdrop, offering added privacy. Priced to allow buyers the opportunity to update the kitchen and bathrooms to their own taste while avoiding major capital expenses. Seller has completed a pre-inspection and appraisal. Insurance quotes available. Reports provided upon request. Buy with confidence.

Cost to own

Mortgage calculator

Home Price

$289,000

Down Payment: 20%

$57,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,487

Principal & Interest: $1,487

Property taxes (est.): $443

Insurance (est.): $193

Estimated Total Monthly

$2,123

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,487

Property taxesest. at asking price, Clay County$443

Estimated total, before insurance$1,930/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,388/yr · $116/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	$262,158	$62,275	—
2024	$251,944	$59,672	—
2023	$232,617	$56,333	—
2022	$199,218	$57,591	—
2021	$154,830	$54,443	—
2020	$147,004	$52,995	—

2025 property taxes (current owner): $1,388/yr

Estimated taxes if purchased at asking price: ~$5,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2023 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,631 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

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.