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Pending

Pending·30 days on market

2723 Holly Ridge Drive

Orange Park, FL 32073

$419,000$207/sqftEst. $2,136/moMLS# 2152218

Beds

Baths

2,027

Sq Ft

1965

Built

Garage

Yes

Pool

About this home

Orange Park

Welcome home to this beautifully updated 4-bedroom, 3-bathroom single family home offering 2,027 square feet of thoughtfully designed living space in Orange Park. Featuring a stunning main-floor remodel, this home was transformed into an open-concept layout with walls removed to create a spacious flow between the living areas with a large center island perfect for entertaining, gathering, and everyday living. Luxury vinyl plank flooring adds both style and durability throughout the main living spaces. This home has been meticulously maintained with numerous major updates including a fully replumbed home, a roof replacement in 2022, new windows throughout in 2021, and a new A/C system installed in 2025. The exterior has been refreshed with new siding, exterior paint, a new front door, and updated front entry details.

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,136

Principal & Interest: $2,136

Property taxes (est.): $642

Insurance (est.): $279

Estimated Total Monthly

$3,058

*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$2,136

Property taxesest. at asking price, Clay County$642

Estimated total, before insurance$2,778/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,472/yr · $206/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	$252,145	$128,032	—
2024	$251,238	$123,717	—
2023	$243,453	$118,658	—
2022	$204,487	$113,746	—
2021	$165,601	$104,317	—
2020	$157,912	$102,187	—

2025 property taxes (current owner): $2,472/yr

Estimated taxes if purchased at asking price: ~$7,700/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.