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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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Active

$489,9002 bd · 2 ba · 1,600 sq ft

Active·153 days on market

2199 Astor Street 503

Orange Park, FL 32073

$489,900$306/sqftEst. $2,671/mo mortgageMLS# 2149768
↓ $40,000 below original list
2
Beds
2
Baths
1,600
Sq Ft
1973
Built
—
Garage
No
Pool
FEMA Zone AEHOA $941/mo871 sqft lotWaterfrontCondominium2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Orange Park

Enjoy breathtaking St. Johns River views from this spacious 5th-floor condominium in Continental Palace. This 2-bedroom, 2-bath residence offers approximately 1,600 sq. ft. of living space plus a 390 sq. ft. enclosed sunroom, creating the perfect space to relax and take in the waterfront scenery year-round. Recent updates include fresh interior paint, updated kitchen countertops, and an updated primary bathroom. Additional features include covered assigned parking, in-unit laundry, and abundant natural light throughout. Residents have the option to join the historic Club Continental for an additional fee and enjoy access to pools, tennis courts, fitness facilities, and dining. Recent community updates include a new roof and bulkhead, adding value and peace of mind.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.24% · 30yr$2,671
Property taxesest. at asking price, Clay County$751
HOAbilled monthly$941
Estimated total, before insurance$4,363/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,926/yr · $411/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

$489,900
$97,980
Loan Term
Monthly Payment
$2,671
Principal & Interest: $2,671
Property taxes (est.): $751
Insurance (est.): $327
Estimated Total Monthly
$3,748
*30-year loan at 7.24% APR (avg 30-yr rate 2026-10-29, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified — year not disclosed (home built 1973)

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: ~1,635 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$490,831$262,553—
2024$486,030$254,447—
2023$417,517$245,580—
2022$402,862$236,971—
2021$401,531$228,613—
2020$382,900$224,767—

2025 property taxes (current owner): $4,926/yr

Estimated taxes if purchased at asking price: ~$9,000/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.

History

Price & status history

  • Aug 13, 2026Price change$489,900−$30,000
  • Jul 10, 2026Price change$519,900−$10,000
  • Jun 10, 2026Listed$529,900

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 $225/sq ft; this home is listed at $306/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
2099 E Winterbourne 306, Orange Park, FL 32073Listed by EXP REALTY LLCAug 2026$350,000$2133/21,644930.2
2099 Winterbourne E 302, Orange Park, FL 32073Listed by WATSON REALTY CORPJun 2026$355,000$2312/21,535460.2
57 Winterbourne Street N 15, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLCFeb 2026$420,000$2632/21,60030.2
1800 Park Avenue 232, Orange Park, FL 32073Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$140,000$1023/21,369490.6
321 Scenic Point Lane, Fleming Island, FL 32003Listed by FLORIDA HOMES REALTY & MTG LLCMar 2026$450,000$2253/32,000121.2
964 Gano Avenue, Orange Park, FL 32073Listed by HERRON REAL ESTATE LLCOct 2026$270,000$1713/21,58231.3

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.

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Features

Price$489,900
Price / Sq Ft$306
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,600
Acres0.02 acres
Year Built1973
TypeResidential
Sub-TypeCondominium
StyleFlat
Property ConditionUpdated/Remodeled
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontYes

School Information

ElementaryS. Bryan Jennings
MiddleOrange Park

Community Information

Address2199 Astor Street 503, Orange Park, FL 32073
Area137-Doctor's Lake
SubdivisionContinental Palace
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size871.2 sq ft
Parcel Number41042601888302500
ZoningResidential

Amenities

UtilitiesCable Connected
SewerPublic Sewer
Water SourcePrivate
ParkingAdditional Parking, Assigned, Covered
ViewRiver, Water

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Freezer, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySecurity System Owned

Exterior

Exterior FeaturesBalcony
Patio / PorchTerrace
ConstructionConcrete, Frame, Stucco

Additional Information

Date ListedJune 10, 2026
Days on Market153
HOA Fees$941 / Monthly
HOA FrequencyMonthly
HOA NameContinental Palace Condominium
Tax Amount$4,926.25
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

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