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Pending

Pending·49 days on market

2541 Elbow Road

Orange Park, FL 32073

$349,900$216/sqftEst. $1,862/moMLS# 2146973

Beds

Baths

1,621

Sq Ft

1956

Built

Garage

Pool

About this home

Orange Park

Some homes simply feel like home. This is one of them. Lovingly maintained by the same family for generations, this move-in-ready 3-bedroom, 2-bath home is located in a neighborhood that truly feels like a community. Filled with natural light, the home feels bright and airy throughout. Between 2017 and 2020, the home underwent extensive updates, including a fully renovated kitchen and bathrooms, refinished hardwood floors, custom closet systems, interior and exterior painting, fencing, gutters, professional landscaping, and a water heater replacement. A new roof installed in December 2024 offers added peace of mind. The fenced backyard features a paver patio and a beautiful mature oak tree. Additional features include a rear-entry garage, extra parking for vehicles, a small boat or trailer, well water for irrigation, security system wiring, and a transfer switch for portable generator hookup. CLOSE TO NAS JAX. NO HOA OR CDD FEES.

Cost to own

Mortgage calculator

Home Price

$349,900

Down Payment: 20%

$69,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,767

Principal & Interest: $1,767

Est. Taxes & Insurance: $442

Estimated Total Monthly

$2,209

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$1,862

Property taxesest. at asking price, Clay County$536

Estimated total, before insurance$2,399/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

Year	Market value	Taxable value	Change
2025	$201,396	$147,127	—
2024	$192,274	$142,274	—
2023	$184,989	$184,989	—
2022	$160,056	$37,589	—
2021	$142,468	$35,024	—
2020	$140,908	$33,844	—

2025 property taxes (current owner): $2,927/yr

Estimated taxes if purchased at asking price: ~$6,400/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1956)

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

Sewer · FL0023922 · Public water (record)

County records show this parcel on central sewer served by FL0023922 — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,418 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History