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Active Under Contract

Active Under Contract·66 days on market

406 Hepburn Road

Orange Park, FL 32065

$359,900$198/sqftEst. $1,856/moMLS# 2148550

Beds

Baths

1,818

Sq Ft

2017

Built

Garage

Pool

About this home

Orange Park

Look no further! This beautifully maintained 3 bedroom, 2 bath home offers a perfect blend of modern function and timeless charm. This spacious floor plan features generously sized bedrooms, eat in kitchen area, large dining area and warm and functional living area. The inviting kitchen features a large island, ample cabinet space, and an open layout that is perfect for everyday living and entertaining. Step outside to a generously sized fenced backyard, ideal for pets and family fun. Spend your evenings unwinding on the covered lanai or at the community pool or playground. Close to shopping, NAS Jacksonville, First Coast Expressway and A- rated schools! This one won't last long, schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,856

Principal & Interest: $1,856

Property taxes (est.): $552

Insurance (est.): $240

Estimated Total Monthly

$2,647

*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$1,856

Property taxesest. at asking price, Clay County$552

HOAbilled annually$45

Estimated total, before insurance$2,453/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,154/yr · $263/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	$295,301	$172,760	—
2024	$294,588	$167,184	—
2023	$293,943	$160,859	—
2022	$270,466	$154,718	—
2021	$216,035	$148,756	—
2020	$201,716	$146,012	—

2025 property taxes (current owner): $3,154/yr

Estimated taxes if purchased at asking price: ~$6,600/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 2017)

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

Solar potential: ~1,753 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 11, 2026Active Under Contract$359,900
Jun 3, 2026Listed$359,900

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

Features

Price$359,900

Price / Sq Ft$198

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,818

Acres0.31 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPlantation Oaks

MiddleOakleaf Jr High

HighOakleaf High School

Community Information

Address406 Hepburn Road, Orange Park, FL 32065

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionForest Hammock

CityOrange Park

CountyClay

StateFL

Zip Code32065

Lot Size13,503.6 sq ft

Parcel Number01042400552402055

Amenities

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

UtilitiesElectricity Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

SecuritySmoke Detector(s)

Spa FeaturesCommunity