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Pending

Pending·48 days on market

2397 Club Lake Drive

Orange Park, FL 32065

$555,000$172/sqftEst. $2,830/moMLS# 2132946

Beds

Baths

3,234

Sq Ft

2017

Built

Garage

Pool

About this home

Orange Park

Thoughtfully designed with every luxury detail in mind- this Eagle Landing golf course retreat boasts a boutique closet, theater room, two ensuites and a grand paved patio and is now priced to make it yours! The layout is designed for both everyday living and hosting. The open concept living area flows seamlessly into the kitchen, complete with a large island, stainless steel appliances and a walk-in pantry. Primary on first floor with a boutique-sized dressing room. Ensuite and bonus room currently configured as a theater room, complete with removable platform- easily restored to a flat-floor bonus room to suit your needs. Residents enjoy resort-style amenities including a championship golf course, clubhouse, fitness center, resort pool with water slide and splash pad. tennis, pickleball & several playgrounds.

Cost to own

Mortgage calculator

Home Price

$555,000

Down Payment: 20%

$111,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,830

Principal & Interest: $2,830

Property taxes (est.): $851

Insurance (est.): $370

Estimated Total Monthly

$4,050

*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$2,830

Property taxesest. at asking price, Clay County$851

HOAbilled annually$5

Estimated total, before insurance$3,685/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,456/yr · $788/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 June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$564,199	$362,387	—
2024	$531,723	$481,723	—
2023	$520,203	$466,314	—
2022	$471,045	$313,278	—
2021	$370,146	$302,698	—
2020	$357,217	$297,829	—

2025 property taxes (current owner): $9,456/yr

Estimated taxes if purchased at asking price: ~$10,200/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 2017)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,793 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 12, 2026Pending$555,000
Jun 8, 2026Listed$555,000

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

Features

Price$555,000

Price / Sq Ft$172

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,234

Total Structure Area3,234 sq ft

Acres0.25 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address2397 Club Lake Drive, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionEagle Landing

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size10,890 sq ft

Parcel Number13042400554201469

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Golf Course, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewGolf Course

Interior

Interior FeaturesIn-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryLower Level

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)