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Active Under Contract

Active Under Contract·171 days on market

486 Monterey Parkway

Orange Park, FL 32073

$599,000$179/sqftEst. $3,054/moMLS# 2128165

Beds

Baths

3,352

Sq Ft

2000

Built

Garage

Pool

About this home

Orange Park

5BR/4.5BA home in Orange Park Country Club. Office, golf course views, 3-car garage, roof replaced in 2019. Welcome to this 3,352-square-foot home in the gated Orange Park Country Club community. Situated on a 0.36-acre lot, this residence offers a flexible layout with an office, formal living and dining rooms, and spacious gathering areas designed for everyday living and entertaining. The family room features a gas fireplace with built-in shelving and abundant natural light. The kitchen includes 42-inch white shaker cabinets, granite countertops, stainless steel appliances, a large center island, breakfast bar, and generous prep space. The primary suite offers ample room, dual closets, and a spacious bath. Outside, enjoy a screened lanai, paver patio with space for an outdoor kitchen, a fully fenced backyard, and golf course views. Community amenities include a clubhouse , pool, pickleball courts, and walking paths, with convenient access to shopping, dining, medical, and NAS Jax.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,054

Principal & Interest: $3,054

Property taxes (est.): $918

Insurance (est.): $399

Estimated Total Monthly

$4,371

*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$3,054

Property taxesest. at asking price, Clay County$918

HOAbilled semi-annually$142

Estimated total, before insurance$4,114/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,422/yr · $702/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: $615,000 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$528,725	$528,725	—
2024	$507,297	$457,297	—
2023	$497,073	$323,923	—
2022	$442,724	$313,033	—
2021	$352,460	$302,460	—
2020	$328,981	$328,981	—

2025 property taxes (current owner): $8,422/yr

Estimated taxes if purchased at asking price: ~$11,000/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.

Hurricane evacuation zone D

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

Roof: Shingle — 2019 per the listing

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

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: ~1,713 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

Jul 21, 2026Active Under Contract$599,000
Feb 2, 2026Listed$599,000

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

Features

Price$599,000

Price / Sq Ft$179

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,352

Acres0.36 acres

Year Built2000

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryS. Bryan Jennings

MiddleOrange Park

HighOrange Park

Community Information

Address486 Monterey Parkway, Orange Park, FL 32073

Area131-Meadowbrook/Loch Rane

SubdivisionOrange Park Cc

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size15,681.6 sq ft

Lot Dimensions101 x 151

Parcel Number02042500881431450

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Gated, Jogging Path, Pickleball, Playground, Security

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewGolf Course

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundrySink

SecurityGated with Guard, Smoke Detector(s)