Sold·Closed Aug 7, 2026·93 days on market
2099 E Winterbourne 306
Orange Park, FL 32073
About this home
Orange Park
Wake up to the St. Johns River from your private balcony. This airy 3-bedroom, 2-bath waterfront condo in River Oak at Club Continental blends history, charm, and ease. Set within a gated 1923 landmark estate, this intimate riverfront enclave offers a truly unique lifestyle. Inside, you'll find fresh paint, hardwood floors, an updated kitchen, and an open layout with built-ins and a cozy fireplace. The spacious primary suite features a jetted tub and private balcony access--perfect for quiet mornings overlooking the water. Beyond the home, enjoy exclusive access to Club Continental's resort-style amenities, including pools and tennis courts, all beautifully maintained. The HOA covers major updates like the roof, exterior, and grounds, giving you true lock-and-leave convenience. Waterfront living, simplified--without sacrificing character or charm.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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: material not specified — year not disclosed (home built 1986)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · FL0023922 - Orange Park · Public water (record)
County records show this parcel on central sewer served by FL0023922 - Orange Park — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,549 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $424,526 | $214,198 | — |
| 2024 | $412,685 | $207,313 | — |
| 2023 | $398,018 | $199,673 | — |
| 2022 | $351,689 | $196,756 | — |
| 2021 | $285,122 | $189,555 | — |
| 2020 | $265,890 | $265,890 | — |
2025 property taxes (current owner): $4,049/yr
Estimated taxes if purchased at asking price: ~$6,400/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.
History
Price & status history
- Aug 10, 2026Closed$365,000
- Jul 30, 2026Active Under Contract$365,000
- Jul 20, 2026Price change$365,000−$5,000
- Jul 8, 2026Price change$370,000−$5,000
- Apr 25, 2026Listed$375,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $161/sq ft; this home is listed at $222/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2099 Winterbourne E 302, Orange Park, FL 32073Listed by WATSON REALTY CORP | Jun 2026 | $355,000 | $231 | 2/2 | 1,535 | 46 | 0 |
| 1800 Park Avenue 232, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLC | Sep 2026 | $140,000 | $102 | 3/2 | 1,369 | 49 | 0.5 |
| 964 Gano Avenue, Orange Park, FL 32073Listed by HERRON REAL ESTATE LLC | Oct 2026 | $270,000 | $171 | 3/2 | 1,582 | 3 | 1.2 |
| 1215 The Grove Road, Orange Park, FL 32073Listed by WATSON REALTY CORP | Sep 2026 | $168,000 | $128 | 3/2 | 1,308 | 10 | 1.5 |
| 540 Willow Oak Lane, Orange Park, FL 32073Listed by REAL BROKER LLC | Sep 2026 | $268,000 | $161 | 3/2.5 | 1,667 | 103 | 1.5 |
| 1259 The Grove Road, Orange Park, FL 32073Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $156,000 | $117 | 3/2 | 1,333 | 10 | 1.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 7, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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