This home is in Stonebridge, Orange Park.

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Pending

Pending·70 days on market·Stonebridge

2428 Stonebridge Drive

Orange Park, FL 32065

$340,000$186/sqftEst. $1,810/moMLS# 2144067

Beds

Baths

1,824

Sq Ft

1988

Built

Garage

Pool

About this home

Stonebridge

PRICE IMPROVEMENT!!! NO HOA! NO CDD! Updated and ready for a new owner! This established neighborhood is a hidden gem. One way in/out. Close to shopping and dining. Split bedroom plan, eat-in kitchen and a large family room with vaulted ceiling and brick fireplace. Indoor laundry room. Enclosed patio for relaxing morning coffee and a fully fenced back yard and full irrigation. Kitchen and garage refrigerators included in sale. New Roof 2023, Full House Replumbed 2024, New Water Heater 2024, AC 2020

Cost to own

Mortgage calculator

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,728

Principal & Interest: $1,728

Est. Taxes & Insurance: $432

Estimated Total Monthly

$2,160

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$1,810

Property taxesest. at asking price, Clay County$521

Estimated total, before insurance$2,331/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Last sold: $348,500 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$293,940	$0	—
2024	$298,404	$0	—
2023	$284,173	$284,173	—
2022	$247,897	$137,189	—
2021	$198,688	$131,737	—
2020	$185,993	$129,228	—

2023 property taxes (current owner): $4,315/yr

Estimated taxes if purchased at asking price: ~$6,300/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 — 2023 per the listing

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

Solar potential: ~1,752 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

Features

Price$340,000

Price / Sq Ft$186

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,824

Acres0.28 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Ranch

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryRidgeview

MiddleOrange Park

HighRidgeview

Community Information

Address2428 Stonebridge Drive, Orange Park, FL 32065

Area134-South Blanding

SubdivisionStonebridge

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size12,196.8 sq ft

Parcel Number13042502033600221

Amenities

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup