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Active

$375,0003 bd · 2.5 ba · 1,971 sq ft

Active·151 days on market

74 Fox Valley Drive

Orange Park, FL 32073

$375,000$190/sqftEst. $2,044/mo mortgageMLS# 2145719
↓ $49,900 below original list
3
Beds
2.5
Baths
1,971
Sq Ft
1997
Built
2
Garage
No
Pool
FEMA Zone XHOA $99/mo5,227 sqft lotWaterfrontTownhouse2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

Welcome to your new home in Fox Valley. This stunning property has been recently updated, ensuring you can move in and enjoy it from day one. Excellent floor plan with two primary bedrooms downstairs with large Jack & Jill bath. Large 3rd bedroom and ensuite bath upstairs. Walk in closets in each room, Main entrance foyer accesses front bedroom and leads to Dining, Kitchen and Living rooms. The open concept provides a smooth visual flow from kitchen to the back of home. Kitchen has ample cabinetry and center prep island. All appliances are like new. The garage previously used as playroom has been completely tiled and features a half bath. Update/upgrade features include New Roof in 2016 and New Windows in 2021. New upstairs HVAC in 2022, along with fresh interior paint. Luxury Vinyl floors added in 2023. Water Heater replaced in 2024 and a top-of-the-line Whirlpool Kitchen Suite - all brand new in 2024. Major Price Reduction.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.24% · 30yr$2,044
Property taxesest. at asking price, Clay County$575
HOAbilled monthly$99
Estimated total, before insurance$2,718/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,525/yr · $460/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$375,000
$75,000
Loan Term
Monthly Payment
$2,044
Principal & Interest: $2,044
Property taxes (est.): $575
Insurance (est.): $250
Estimated Total Monthly
$2,869
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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.

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 — 2016 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: ~1,732 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:48 AM, sunset 5:33 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $399,000 in September 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$338,794$338,794—
2024$296,436$175,898—
2023$276,216$167,863—
2022$260,062$160,062—
2021$222,287$121,170—
2020$212,862$118,807—

2025 property taxes (current owner): $5,525/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.

History

Price & status history

  • Oct 5, 2026Price change$375,000−$24,900
  • Jul 16, 2026Price change$399,900−$25,000
  • Jun 12, 2026Listed$424,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $180/sq ft; this home is listed at $190/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
58 Fox Valley Drive, Orange Park, FL 32073Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$295,000$1813/21,62820.1
21 Fox Valley Drive, Orange Park, FL 32073Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYApr 2026$320,000$1803/21,781520.1
8 Fox Valley Drive, Orange Park, FL 32073Listed by THE WILKINS WAYMar 2026$315,000$1953/21,615460.1
964 Gano Avenue, Orange Park, FL 32073Listed by HERRON REAL ESTATE LLCOct 2026$270,000$1713/21,58231.6
8550 Argyle Business Loop 1608, Jacksonville, FL 32244Listed by PONTE VEDRA CLUB REALTY, INC.Oct 2026$168,000$1153/2.51,45562
8550 Argyle Business Loop 1507, Jacksonville, FL 32244Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$178,000$1203/2.51,4861552

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$375,000
Price / Sq Ft$190
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,971
Total Structure Area2,937 sq ft
Acres0.12 acres
Year Built1997
TypeResidential
Sub-TypeTownhouse
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesSouth

School Information

ElementaryMontclair
MiddleLakeside

Community Information

Address74 Fox Valley Drive, Orange Park, FL 32073
Area135-Park West/Montclair
SubdivisionFox Valley
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size5,227.2 sq ft
Lot Dimensions33 x 153
Parcel Number07042601291807500
ZoningMulti Family

Amenities

AmenitiesPool
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewLake, Water
Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Split System
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryIn Garage, Lower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionCorner Lot, Dead End Street, Few Trees, Sprinklers In Rear
FencingBack Yard
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJune 12, 2026
Days on Market151
HOA Fees$99 / Monthly
HOA FrequencyMonthly
HOA NameFox Valley Homeowners Association
Tax Amount$5,525.38
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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