Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Pending

Pending·178 days on market

444 Forest Meadow Lane

Orange Park, FL 32065

$329,900$157/sqftEst. $1,701/moMLS# 2129671

Beds

Baths

2,097

Sq Ft

2015

Built

Garage

Pool

About this home

Orange Park

Move-in ready five-bedroom, 2.5-bathroom home in Orange Park! Enjoy the open-concept layout with the living room flowing seamlessly into the dining area and kitchen. The kitchen features granite countertops, stainless steel appliances, and direct access to the backyard. Outside, you will find a small covered space perfect for a grill, along with the added benefit of no rear neighbors. The primary bedroom is conveniently located on the ground level and includes a large walk-in closet, dual sinks, and a standing shower. The remaining bedrooms are located upstairs, ensuring maximum privacy for the primary suite. Located in a friendly community near A-rated schools and within five minutes of shopping, this home has a bit of something for everyone. Schedule your showings today!

Cost to own

Mortgage calculator

Home Price

$329,900

Down Payment: 20%

$65,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,701

Principal & Interest: $1,701

Property taxes (est.): $506

Insurance (est.): $220

Estimated Total Monthly

$2,427

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$1,701

Property taxesest. at asking price, Clay County$506

HOAbilled annually$42

Estimated total, before insurance$2,248/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,252/yr · $438/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	$320,870	$320,870	—
2024	$320,162	$314,045	—
2023	$319,531	$285,496	—
2022	$295,245	$259,542	—
2021	$235,948	$235,948	—
2020	$220,907	$220,907	—

2025 property taxes (current owner): $5,252/yr

Estimated taxes if purchased at asking price: ~$6,100/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.