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Active

Active·48 days on market

2319 Club Lake Drive

Orange Park, FL 32065

$559,900$196/sqftEst. $2,855/moMLS# 2151224

Beds

Baths

2,860

Sq Ft

2015

Built

Garage

Pool

About this home

Orange Park

Gorgeous home (Dream Finders Avalon II floor plan) in Eagle Landing on the 4th hole of the golf course. Walking in the front door you will be greeted with soaring 10 ft ceilings, wood floors and large sliders with view to golf course. The gourmet kitchen would be any chefs dream with granite counter tops, stainless steel, gas range, large island, & plenty of storage. Large mud room and laundry just off the kitchen. Great room with gas stone fireplace & dining area. Master and 3 other bedrooms on 1st floor with bonus/theater room on 2nd floor with 4th bath. Master bath complete with separate vanities, shower, & garden tub, tankless gas water heater (new in 2025). Covered lanai with hot tub and view of back yard & golf course. 3rd car garage has extended bay. Don't miss out on your dream home!

Cost to own

Mortgage calculator

Home Price

$559,900

Down Payment: 20%

$111,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,855

Principal & Interest: $2,855

Property taxes (est.): $858

Insurance (est.): $373

Estimated Total Monthly

$4,086

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,855

Property taxesest. at asking price, Clay County$858

HOAbilled monthly$46

Estimated total, before insurance$3,759/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

Year	Market value	Taxable value	Change
2025	$474,195	$318,053	—
2024	$467,061	$308,382	—
2023	$464,242	$297,944	—
2022	$419,660	$287,810	—
2021	$334,956	$277,971	—
2020	$324,987	$273,443	—

Estimated taxes if purchased at asking price: ~$10,300/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 2015)

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: ~1,726 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