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Active

Active·246 days on market

503 Kettering Way

Orange Park, FL 32073

$159,900$119/sqftEst. $847/moMLS# 2125463
3
Beds
2.5
Baths
1,343
Sq Ft
1982
Built
Garage
No
Pool
FEMA Zone XHOA $414/mo871 sqft lotTownhouse2 stories

About this home

Orange Park

**NEWER ROOF**WATER INCLUDED**UPDATED** Discover this charming, updated home, perfectly located for convenience and comfort. Enjoy peace of mind with a newer roof (2020), fresh interior paint, and stylish LVP FLOORING throughout the main living areas. The bedrooms offer cozy, NEWER CARPETING. The kitchen features sleek STAINLESS STEEL APPLIANCES and classic white SHAKER CABINETS. The SPACIOUS MASTER BEDROOM provides a true retreat with its stunning VAULTED CEILING. Step outside to a wonderful SUNROOM, complemented by an ADDITIONAL PATIO area, creating ample space for grilling and gatherings with friends and family. This home boasts an UNBEATABLE LOCATION, within walking distance to the community pool - perfect for those sunny Florida days! Situated just off Blanding Blvd, you're MINUTES FROM TONS OF SHOPPING, DINING, schools, and the Orange Park mall, putting everything you need right at your fingertips. This move-in ready gem is waiting for you - don't miss out!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$847
Property taxesest. at asking price, Clay County$245
HOAbilled monthly$414
Estimated total, before insurance$1,506/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,243/yr · $187/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$159,900
$31,980
Loan Term
Monthly Payment
$847
Principal & Interest: $847
Property taxes (est.): $245
Insurance (est.): $107
Estimated Total Monthly
$1,198
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 — 2020 per the listing

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

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

Solar potential: ~1,732 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.

Cost to own

Taxes & assessment

Last sold: $168,500 in November 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$147,056$147,056
2024$144,149$144,149
2023$139,034$139,034
2022$109,098$98,816
2021$92,145$89,833
2020$91,691$81,667

2025 property taxes (current owner): $2,243/yr

Estimated taxes if purchased at asking price: ~$2,900/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.

History

Price & status history

  • Jan 16, 2026Listed$159,900

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

Features

Price$159,900
Price / Sq Ft$119
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,343
Acres0.02 acres
Year Built1982
TypeResidential
Sub-TypeTownhouse
StyleContemporary
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontNo
Direction FacesNorthwest

School Information

ElementaryLakeside
MiddleLakeside
HighOrange Park

Community Information

Address503 Kettering Way, Orange Park, FL 32073
Area135-Park West/Montclair
SubdivisionOld Concord Village
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size871.2 sq ft
Parcel Number18042602026400208
ZoningResidential

Amenities

AmenitiesPool, Maintenance Structure, Trash, Water
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Assigned, Guest

Interior

Interior FeaturesCeiling Fan(s), Pantry, Primary Bathroom - Tub with Shower, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Vinyl
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
Window FeaturesSkylight(s)

Exterior

Lot DescriptionDead End Street
Patio / PorchCovered, Patio, Rear Porch, Screened
RoofShingle
ConstructionBrick, Aluminum Siding
Road SurfaceAsphalt

Additional Information

Date ListedJanuary 16, 2026
Days on Market164
HOA Fees$414 / Monthly
HOA FrequencyMonthly
HOA NameOld Concord Village HOA
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Trash, Water, Other
Tax Amount$2,242.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP · offers@chadandsandy.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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.

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20+ years · 500+ closings · NE Florida

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