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Active

Active·98 days on market

2774 Spoonbill Trail

Orange Park, FL 32073

$375,000$150/sqftEst. $1,934/moMLS# 2142731

Beds

Baths

2,493

Sq Ft

2005

Built

Garage

Pool

About this home

Orange Park

Located in Spencer's Plantation in the Oakleaf area, this well-maintained move-in ready Home sits on an almost quarter-acre Lot & has been thoughtfully cared for by its original owner. Features 4 Bedrooms plus a large Bonus Room upstairs with Full Bath that provides flexibility for a potential 5th Bedroom, Office or Play Room. Split plan offers added privacy with the Primary Suite set apart from the other 3 Bedrooms. Formal Living & Dining areas add versatility while the open Kitchen & main living area create a comfortable flow for everyday living & entertaining. Enjoy peace of mind with new dual HVAC Systems in 2023 & new Roof in 2021 plus a water softener & built-in garage storage. Fenced backyard overlooks a pond providing a tranquil outdoor setting with an added pavered driveway enhancing curb appeal. Conveniently located near Argyle Forest shopping & dining with Argyle Elementary located within easy walking distance.

Cost to own

Mortgage calculator

Home Price

$375,000

Down Payment: 20%

$75,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,934

Principal & Interest: $1,934

Property taxes (est.): $575

Insurance (est.): $250

Estimated Total Monthly

$2,759

*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$1,934

Property taxesest. at asking price, Clay County$575

HOAbilled annually$23

Estimated total, before insurance$2,531/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,892/yr · $241/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	$318,021	$155,570	—
2024	$313,350	$150,479	—
2023	$316,520	$144,640	—
2022	$284,130	$284,130	—
2021	$228,262	$93,084	—
2020	$216,440	$91,109	—

2025 property taxes (current owner): $2,892/yr

Estimated taxes if purchased at asking price: ~$6,900/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,711 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

Jul 14, 2026Price change$375,000−$25,000
Apr 30, 2026Listed$400,000

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

Features

Price$375,000

Price / Sq Ft$150

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,493

Acres0.24 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryArgyle

MiddleOrange Park

HighOrange Park

Community Information

Address2774 Spoonbill Trail, Orange Park, FL 32073

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionSpencers Plantation

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size10,454.4 sq ft

Parcel Number03042500786400852

ZoningResidential

Amenities

AmenitiesManagement - Off Site

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceNo

# of Fireplaces0

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityOther