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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
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Sold

Sold·Closed Aug 27, 2026·78 days on market

1485 N Dolphin Street

Orange Park, FL 32073

$260,000sold priceListed at $279,900 · 92.9% of asking$134/sqftMLS# 2147949
3
Beds
2
Baths
1,947
Sq Ft
1978
Built
2
Garage
No
Pool
FEMA Zone XNo HOA9,148 sqft lotSingle Family Residence1 story

About this home

Orange Park

Welcome to Dolphin Street in Orange Park! This classic ranch style home sits on a 0.23-acre lot and offers 1,947 sq ft with 3 bedrooms and 2 baths. Inside, enjoy two separate living rooms--one highlighted by a brick fireplace with custom built-ins--providing great flexibility for entertaining or everyday living. The kitchen features generous counter space, abundant cabinetry, and all appliances convey, including washer and dryer, plus a cozy breakfast nook overlooking the backyard. The spacious primary bedroom includes a walk-in closet, while two additional bedrooms share a full bath. Major systems include a newer roof (2020), A/C (2013), and a brand-new water heater (May 2026) for added peace of mind. Outdoor patio. Additional perks: two-car garage and indoor laundry room. Centrally located just south of Wells Road, you're close to top-rated schools, Orange Park Hospital, shopping, I-295, and NAS JAX. Schedule your showing today! (Home is virtual staged)

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,440
Property taxesest. at asking price, Clay County$398
Estimated total, before insurance$1,839/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,483/yr · $374/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

$260,000
$52,000
Loan Term
Monthly Payment
$1,440
Principal & Interest: $1,440
Property taxes (est.): $398
Insurance (est.): $173
Estimated Total Monthly
$2,012
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: material not specified — 2020 per the listing

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

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: ~1,199 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$248,602$238,081—
2024$237,419$216,438—
2023$229,369$196,762—
2022$202,867$178,875—
2021$162,614$162,614—
2020$149,622$149,622—

2025 property taxes (current owner): $4,483/yr

Estimated taxes if purchased at asking price: ~$4,800/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

  • Aug 27, 2026Closed$279,900
  • Aug 17, 2026Pending$279,900
  • Aug 14, 2026Price change$279,900−$10,000
  • Jul 10, 2026Price change$289,900−$5,100
  • May 31, 2026Listed$295,000

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 $202/sq ft; this home is listed at $144/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1310 Dolphin Street, Orange Park, FL 32073Listed by MAXXUM REALTY SERVICES, INC.Sep 2026$370,000$2044/21,814640
1303 Red Maple Court, Orange Park, FL 32073Listed by ENGEL & VOLKERS FIRST COASTAug 2026$360,000$1644/22,190210.3
470 Kevin Drive, Orange Park, FL 32073Listed by ROUND TABLE REALTYAug 2026$365,000$2023/21,805280.3
200 Debarry Avenue, Orange Park, FL 32073Listed by WATSON REALTY CORPSep 2026$309,000$1824/21,699350.5
1728 Alder Drive, Orange Park, FL 32073Listed by UNITED REAL ESTATE GALLERYAug 2026$338,833$1863/21,82580.5
1042 Grove Park Lane, Orange Park, FL 32073Listed by AJ REALTY GROUP FLORIDA INCSep 2026$399,900$2254/21,780150.6

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.

Features

Price$279,900
Price / Sq Ft$144
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,947
Acres0.21 acres
Year Built1978
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address1485 N Dolphin Street, Orange Park, FL 32073
Area132-Bellair/Grove Park
SubdivisionBellair
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size9,147.6 sq ft
Parcel Number08042602026319100
ZoningResidential

Amenities

UtilitiesSewer Available, Sewer Connected, Water Available, Water Connected
Water SourcePublic
ParkingOther, Garage

Interior

AppliancesConvection Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
# of Stories1

Additional Information

Date ListedMay 31, 2026
Days on Market78
Tax Amount$4,482.78
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 27, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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