Active Under Contract·168 days on market
129 Dover Bluff Drive
Orange Park, FL 32073
About this home
Orange Park
Sweet home with outstanding view of large protected preserve. Deer, bird, raptor and other animal sightings are common and enjoyed from deck and all back window views. The living room offers vaulted ceiling with 2 large sky lights and opens onto covered deck. The deck is built to last forever with composite decking that will not rot. The living room is prewired for rear surround sound. The home automation includes Z wave switches and smart Z wave outlets. The entrance foyer has dining room on the left and eat in kitchen on the right. The kitchen and bathroom have upgraded superior granite that is not normally seem. The owners' bedroom has bath with tub and separate shower that has upgraded tile. All closets in the 3 bedrooms have built in closet shelving. All bedrooms have ceiling fans. The 2 bathrooms have timer switches for bathroom fans. The stylish beautiful concrete stained floors were professionally done. Roof 2021, appliances, granite, floors 2018, deck 2024, HVAC 2018
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $265,458 | $134,801 | — |
| 2024 | $248,405 | $130,295 | — |
| 2023 | $247,155 | $125,044 | — |
| 2022 | $209,362 | $119,946 | — |
| 2021 | $154,767 | $154,767 | — |
| 2020 | $147,361 | $147,361 | — |
2025 property taxes (current owner): $2,575/yr
Estimated taxes if purchased at asking price: ~$5,400/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 — 2021 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: ~1,635 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 homeAs 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
- Feb 6, 2026Listed$294,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REAL ESTATE WITH GARLON WEBB
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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