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

1 / 106

Pending

Pending·128 days on market

1452 Shadow Creek Drive

Orange Park, FL 32065

$435,000$170/sqftEst. $2,243/moMLS# 2138100

Beds

Baths

2,561

Sq Ft

2010

Built

Garage

Pool

About this home

Orange Park

VA assumable loan at 2.875% - your buying power goes further here. 1452 Shadow Creek sits on a quiet dead-end street in Eagle Landing, backing directly to the golf course. The fully fenced backyard opens to a screened, pavered lanai built for year-round use -- covered outdoor kitchen with built-in grill, ceiling fan, mounted TV, and a separate open patio with room to add a pool. Inside, the layout is thoughtful and the finishes are genuine. The kitchen was updated with quartz countertops, subway tile backsplash, white shaker cabinets, and gold hardware. The living area features a custom herringbone accent wall. A dedicated office with French doors sits off the entry. Upstairs, a spacious loft adds flexible living space, and the primary suite includes a tray ceiling with wood beam detail, shiplap accent wall, dual-sink vanity, garden tub, and separate shower. Additional updates: luxury vinyl flooring throughout

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,243

Principal & Interest: $2,243

Property taxes (est.): $667

Insurance (est.): $290

Estimated Total Monthly

$3,200

*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$2,243

Property taxesest. at asking price, Clay County$667

HOAbilled annually$5

Estimated total, before insurance$2,914/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,453/yr · $288/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	$422,379	$0	—
2024	$416,250	$0	—
2023	$419,277	$0	—
2022	$377,655	$0	—
2021	$295,035	$160,191	—
2020	$270,887	$143,649	—

2025 property taxes (current owner): $3,453/yr

Estimated taxes if purchased at asking price: ~$8,000/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2010)

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

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: ~1,722 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

Aug 8, 2026Pending$435,000
Apr 2, 2026Listed$435,000

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

Features

Price$435,000

Price / Sq Ft$170

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,561

Acres0.17 acres

Year Built2010

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address1452 Shadow Creek Drive, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionEagle Landing

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size7,405.2 sq ft

Parcel Number12042400554100390

Amenities

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

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewGolf Course

Interior

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

AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric, Zoned

FlooringLaminate, Tile

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned