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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Active

Active·98 days on market

257 Aquarius Concourse

Orange Park, FL 32073

$254,900$199/sqftEst. $1,300/moMLS# 2142251

Beds

Baths

1,279

Sq Ft

1976

Built

Garage

Pool

About this home

Orange Park

NEW ROOF with the right offer! Tucked away on a private elevated homesite in Orange Park, this home offers a setting and lifestyle that is hard to find in Northeast Florida. Step outside to the elevated back patio with BRAND NEW STAIRCASE and you are instantly surrounded by mature trees and peaceful nature views, creating a true treehouse feel with all the privacy. It is the kind of space that lets you slow down, reset, and actually enjoy being home. Inside, the layout offers flexibility for every stage of life. The true BASEMENT level is extremely rare for this area and provides valuable storage along with endless potential for additional living space, a home gym, workshop, media room, or flex space tailored to your needs. Whether you are buying your first home, relocating, downsizing, or simply looking for a more private and natural setting, don't pass up a chance to see the home in person. Conveniently located near shopping, dining, and everyday essentials.

Cost to own

Mortgage calculator

Home Price

$254,900

Down Payment: 20%

$50,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,300

Principal & Interest: $1,300

Property taxes (est.): $391

Insurance (est.): $170

Estimated Total Monthly

$1,860

*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$1,300

Property taxesest. at asking price, Clay County$391

Estimated total, before insurance$1,690/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,246/yr · $187/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	$231,146	$113,230	—
2024	$228,468	$109,332	—
2023	$224,347	$104,692	—
2022	$189,891	$100,187	—
2021	$145,813	$95,813	—
2020	$134,373	$134,373	—

2025 property taxes (current owner): $2,246/yr

Estimated taxes if purchased at asking price: ~$4,700/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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1976)

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: ~1,034 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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