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Active

Active·200 days on market

1188 Gano Avenue 118

Orange Park, FL 32073

$134,000$132/sqftEst. $683/moMLS# 2123779

Beds

Baths

1,015

Sq Ft

1985

Built

—

Garage

Pool

About this home

Orange Park

*Seller is offer $5,000 towards buyers closing cost **This beautifully maintained 2-bed, 2.5-bath townhome style condo offers the perfect blend of comfort, convenience, and move-in readiness. Boasting over 1,000 sq. ft. of thoughtfully designed living space in a well-established community, this home is ideal whether you're first-time buyers, investors, or someone seeking low-maintenance living in Northeast Florida. Zillow Inside, you'll find an updated kitchen with modern finishes and all appliances included, plus a washer and dryer -- making this unit genuinely turn-key. The tiled entry and dining area flow into a cozy living room featuring a fireplace, creating a warm and welcoming gathering space. A convenient half bath downstairs is perfect for guests. Upstairs, enjoy two spacious bedrooms, each with their own attached full bathroom -- offering privacy and ease of daily living. The upper-level laundry area with washer/dryer adds additional convenience.

Cost to own

Mortgage calculator

Home Price

$134,000

Down Payment: 20%

$26,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$683

Principal & Interest: $683

Property taxes (est.): $205

Insurance (est.): $89

Estimated Total Monthly

$978

*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$683

Property taxesest. at asking price, Clay County$205

HOAbilled monthly$393

Estimated total, before insurance$1,282/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,058/yr · $171/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	$136,334	$101,248	—
2024	$133,660	$92,044	—
2023	$113,486	$83,677	—
2022	$84,282	$76,070	—
2021	$69,155	$69,155	—
2020	$64,083	$31,341	—

2025 property taxes (current owner): $2,058/yr

Estimated taxes if purchased at asking price: ~$2,500/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: material not specified — year not disclosed (home built 1985)

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: ~1,427 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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