Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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Active

Active·64 days on market

612 Chestwood Chase Drive

Orange Park, FL 32065

$384,900$162/sqftEst. $1,985/moMLS# 2148454

Beds

Baths

2,382

Sq Ft

2006

Built

Garage

Pool

About this home

Orange Park

**Motivated Seller!** Beautiful two-story home on an estate-sized lot with peaceful lake and preserve views in sought-after Oakleaf Plantation. Freshly painted throughout, this spacious home features a dedicated office, custom wood accent wall, half bath, and a kitchen with tile backsplash overlooking the family room with a cozy fireplace. Upstairs offers a generous flex room, an oversized owner's suite with a spa-like bath and walk-in shower with pebble stone flooring, plus three additional bedrooms and a full bath. Enjoy the covered lanai, paver patio, fire pit, and large storage shed with ramp access in the private backyard. **New roof to be installed prior to closing!** Enjoy resort-style amenities, top-rated schools, shopping, dining, and easy access to major commuter routes. Seller is motivated, don't miss this opportunity! Receive 1% towards Closing Costs with preferred lender.

Cost to own

Mortgage calculator

Home Price

$384,900

Down Payment: 20%

$76,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,985

Principal & Interest: $1,985

Property taxes (est.): $590

Insurance (est.): $257

Estimated Total Monthly

$2,831

*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$1,985

Property taxesest. at asking price, Clay County$590

HOAbilled annually$7

Estimated total, before insurance$2,582/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.

Cost to own

Taxes & assessment

Last sold: $418,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$331,903	$331,903	—
2024	$330,466	$280,466	—
2023	$354,652	$288,549	—
2022	$290,415	$129,869	—
2021	$226,136	$124,631	—
2020	$205,913	$122,220	—

Estimated taxes if purchased at asking price: ~$7,100/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: material not specified — year not disclosed (home built 2006)

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

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: ~1,786 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