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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Pending

Pending·93 days on market

664 Drysdale Drive

Orange Park, FL 32065

$410,000$142/sqftEst. $2,114/moMLS# 2143977

Beds

Baths

2,895

Sq Ft

2014

Built

Garage

Pool

About this home

Orange Park

Wow! Price Reduced! Beautiful Oakleaf Plantation 5-6 bedroom, 3 full bath home, almost 3000 sq feet, backs to peaceful preserve in desirable Forest Hammock! Entertainer's dream kitchen with walk-in pantry, huge kitchen island, dining with bay window. Relax and enjoy 180 degree preserve views from your open layout: dining, living room, and private screened-in patio. Primary suite with coffered ceilings, dual walk-in closets, spa-like 5-piece bath with roman soaking tub, dual showerheads. Main floor bedroom / private study / office and full bathroom. Upstairs laundry, huge bonus / game room / 2nd primary with walk-in closet - perfect for multi-generational living! Sip your morning coffee in your private screened-in patio, new chaise lounge chairs included - to enjoy your fully-fenced private backyard oasis with trees and wildlife. Plantation shutters, coffered ceilings, new carpet, fixtures, paint! Resort-like amenities include community park, playground, swimming pool

Cost to own

Mortgage calculator

Home Price

$410,000

Down Payment: 20%

$82,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,114

Principal & Interest: $2,114

Property taxes (est.): $628

Insurance (est.): $273

Estimated Total Monthly

$3,016

*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$2,114

Property taxesest. at asking price, Clay County$628

HOAbilled monthly$44

Estimated total, before insurance$2,787/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$415,667	$0	—
2024	$414,748	$0	—
2023	$413,935	$0	—
2022	$386,330	$0	—
2021	$305,509	$0	—
2020	$285,019	$0	—

Estimated taxes if purchased at asking price: ~$7,500/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2014)

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

Solar potential: ~1,715 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

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.