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Active

Active·51 days on market

1088 Spanish Bay Court

Orange Park, FL 32065

$705,000$206/sqftEst. $3,636/moMLS# 2145919

Beds

Baths

3,415

Sq Ft

2015

Built

Garage

Pool

About this home

Orange Park

PRICE IMPROVEMENT AND ADDITIONAL LANDSCAPING ''Designed for Entertaining.'' ''Perfect for Living.'' Experience refined living in this exceptional Avalon II residence, gracefully positioned within the prestigious Eagle Landing community. Thoughtfully designed and impeccably maintained, this 5-bedroom, 4-bath estate with a spacious bonus retreat and 4-car garage offers a seamless blend of sophistication, comfort, and modern convenience. The private owner's suite serves as a serene sanctuary, complete with a sunlit bay window sitting area, dual walk-in closets, and a spa-inspired ensuite bath with upgraded finishes including a TV mount and chandelier lighting. Expansive living spaces flow effortlessly, featuring, a harmonious blend of formal and casual areas ideal for both intimate gatherings and grand entertaining. At the heart of the home, the extended gourmet kitchen is appointed with granite countertops, stainless steel

Cost to own

Mortgage calculator

Home Price

$705,000

Down Payment: 20%

$141,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,636

Principal & Interest: $3,636

Property taxes (est.): $1,080

Insurance (est.): $470

Estimated Total Monthly

$5,186

*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$3,636

Property taxesest. at asking price, Clay County$1,080

HOAbilled annually$5

Estimated total, before insurance$4,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,709/yr · $809/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	$601,275	$376,132	—
2024	$566,364	$364,825	—
2023	$554,019	$352,743	—
2022	$502,696	$341,013	—
2021	$395,561	$329,625	—
2020	$383,164	$324,384	—

2025 property taxes (current owner): $9,709/yr

Estimated taxes if purchased at asking price: ~$13,000/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 — year not disclosed (home built 2015)

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

Solar potential: ~1,693 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 16, 2026Price change$705,000−$15,000
Jun 18, 2026Listed$720,000

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

Features

Price$705,000

Price / Sq Ft$206

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,415

Acres0.26 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages4

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryDiscovery Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address1088 Spanish Bay Court, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionEagle Landing

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size11,325.6 sq ft

Parcel Number13042400554201230

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)