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

1 / 29

Active

Active·21 days on market

2762 Pebbleridge Court

Orange Park, FL 32065

$342,500$158/sqftEst. $1,766/moMLS# 2151578

Beds

Baths

2,171

Sq Ft

1984

Built

Garage

Pool

About this home

Orange Park

PRICE IMPROVEMENT!!! Welcome home to a spacious brick 4-bedroom, 2.5-bath home on a large 0.448-acre lot in desirable Foxridge. NEW flooring shown in photos, not in video!!! You have NEW LVP in the living areas, NEW carpet in the bedrooms, 2171 s/f of functional floor plan with multiple living areas and a screened Florida Room perfect for relaxing or entertaining. Renovations have created a more open, brighter kitchen and living areas than the original design. Enjoy peace of mind with a new roof in 2021 and the timeless appeal of low-maintenance brick construction. The large backyard allows many options for enjoyment and customization. Conveniently located near shopping (Publix without Blanding travel), dining, health care, and NAS Jax... located in one of Orange Park's most established neighborhoods where you can enjoy the advantages of cul-de-sac living. Exceptional value and ready for its next owner. Don't miss this opportunity, schedule your showing now!!!...(o:}

Cost to own

Mortgage calculator

Home Price

$342,500

Down Payment: 20%

$68,500

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,766

Principal & Interest: $1,766

Property taxes (est.): $525

Insurance (est.): $228

Estimated Total Monthly

$2,519

*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$1,766

Property taxesest. at asking price, Clay County$525

Estimated total, before insurance$2,291/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,576/yr · $465/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	$343,040	$341,475	—
2024	$338,869	$310,432	—
2023	$332,689	$282,211	—
2022	$296,086	$256,556	—
2021	$235,685	$233,233	—
2020	$212,030	$212,030	—

2025 property taxes (current owner): $5,576/yr

Estimated taxes if purchased at asking price: ~$6,300/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: Shingle — 2021 per the listing

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

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: ~1,419 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.

History