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Active Under Contract

Active Under Contract·85 days on market

525 Sugar Grove Place

Orange Park, FL 32073

$441,500$168/sqftEst. $2,251/moMLS# 2142561

Beds

Baths

2,634

Sq Ft

1994

Built

Garage

Pool

About this home

Orange Park

Pretty 3/2.5 with over 2600sqft of space for the whole family on a super nice lot on a cup-de-sac street. Centrally located & Open kitchen with 42'' cabinets, food prep island & solid surface counters. Pretty tiled floors in foyer, living/family rooms, kitchen & bathrooms. Crown molding in kitchen, foyer, dining/family/living rooms. Spacious family room sports a wood burning fireplace with mantle & opens up to kitchen & heated/cooled enclosed patio. Large owners suite with Trey ceiling has a super owners bath with dual vanities, tiled shower, garden tub & nice walk-in closet. Office/library room located by foyer - could be converted into a 4th bedroom - it has a closet & doors. 1/2 bath nicely placed by living/family/dining rooms - perfect when entertaining. Nice size two car garage with opener. Located in Orange Park Country Club - gated community Conveniently located close to schools, shopping, restaurants & main routes to downtown Jacksonville, NAS JAX & JAX international airport.

Cost to own

Mortgage calculator

Home Price

$441,500

Down Payment: 20%

$88,300

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,251

Principal & Interest: $2,251

Property taxes (est.): $677

Insurance (est.): $294

Estimated Total Monthly

$3,222

*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$2,251

Property taxesest. at asking price, Clay County$677

HOAbilled semi-annually$148

Estimated total, before insurance$3,076/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,352/yr · $279/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	$375,097	$375,097	—
2024	$357,400	$189,039	—
2023	$351,036	$181,932	—
2022	$309,558	$179,532	—
2021	$250,015	$172,833	—
2020	$241,449	$169,750	—

2024 property taxes (current owner): $3,352/yr

Estimated taxes if purchased at asking price: ~$8,100/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 1994)

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: ~1,691 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

Apr 29, 2026Listed$441,500

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

Features

Price$441,500

Price / Sq Ft$168

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,634

Acres0.38 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryS. Bryan Jennings

MiddleOrange Park

HighOrange Park

Community Information

Address525 Sugar Grove Place, Orange Park, FL 32073

Area131-Meadowbrook/Loch Rane

SubdivisionOrange Park Cc

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size16,552.8 sq ft

Parcel Number42042500881425230

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Gated, Maintenance Grounds, Pickleball, Security

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

SecuritySmoke Detector(s)