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

1 / 77

Active

Active·133 days on market

4138 Carriage Crossing Lane

Orange Park, FL 32065

$450,000$247/sqftEst. $2,321/moMLS# 2137234

Beds

Baths

1,824

Sq Ft

2016

Built

Garage

Pool

About this home

Orange Park

Welcome to this beautifully upgraded home in Eagle Landing, one of Northeast Florida's premier golf course communities featuring an 18-hole championship course and resort-style amenities. Situated on a private preserve lot with over 100 yards of wooded backdrop and no rear neighbors, this home offers a rare blend of privacy and lifestyle. Enjoy outdoor living on the screened-in patio with a gas line ready for grilling, all within a fully fenced backyard enhanced with updated landscaping, fresh sod, and stone accents. Inside, you'll find a thoughtfully upgraded interior with fresh paint, updated lighting throughout, and quartz countertops in the kitchen and all bathrooms. The kitchen is a standout, featuring a gas cooktop, double ovens, backsplash, and convenient pull-out shelving in cabinets.

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,321

Principal & Interest: $2,321

Property taxes (est.): $690

Insurance (est.): $300

Estimated Total Monthly

$3,310

*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$2,321

Property taxesest. at asking price, Clay County$690

HOAbilled annually$5

Estimated total, before insurance$3,015/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,113/yr · $593/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	$358,159	$205,958	—
2024	$339,604	$199,447	—
2023	$332,977	$192,182	—
2022	$295,776	$185,129	—
2021	$238,902	$178,281	—
2020	$231,417	$175,130	—

2025 property taxes (current owner): $7,113/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2016)

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

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: ~1,736 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

Mar 28, 2026Listed$450,000

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

Features

Price$450,000

Price / Sq Ft$247

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,824

Acres0.25 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address4138 Carriage Crossing Lane, 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 Number13042400554201433

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Management- On Site, Park, Pickleball, Playground, Racquetball, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street