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Active

Active·30 days on market

3113 White Heron Trail

Orange Park, FL 32073

$350,000$149/sqftEst. $1,785/moMLS# 2152363

Beds

Baths

2,343

Sq Ft

2005

Built

Garage

Pool

About this home

Orange Park

Move in Ready! Welcome to this great 4-bedroom, 2 ½ bathroom home in the Clay County section of Argyle. As you enter you will notice the new carpet and fresh paint throughout the home. From the foyer flow into the formal living room and dining room. Next go into the great room and find a nice sized kitchen with tons of cabinet & counter space and updated appliances. There's a breakfast bar for quick meals and a place for your table. The kitchen opens into the oversized family room. The spacious primary bedroom is conveniently located downstairs. The attached bathroom features dual sinks, separate shower and soaking tub. Upstairs find the 3 guest bedrooms which share the guest bathroom. There is also a nice loft that makes a great bonus space. Out back enjoy nature from the covered patio overlooking the fully fenced backyard and peaceful natural area. All this plus the roof was replaced in 2021. Don't miss this great home!

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,785

Principal & Interest: $1,785

Property taxes (est.): $536

Insurance (est.): $233

Estimated Total Monthly

$2,554

*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$1,785

Property taxesest. at asking price, Clay County$536

HOAbilled annually$23

Estimated total, before insurance$2,344/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,181/yr · $432/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	$316,238	$316,238	—
2024	$311,363	$311,363	—
2023	$311,075	$306,967	—
2022	$279,061	$279,061	—
2021	$211,460	$31,750	—
2020	$200,655	$29,856	—

2025 property taxes (current owner): $5,181/yr

Estimated taxes if purchased at asking price: ~$6,400/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 — 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: ~1,744 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

Jun 25, 2026Listed$350,000

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

Features

Price$350,000

Price / Sq Ft$149

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,343

Acres0.21 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address3113 White Heron Trail, Orange Park, FL 32073

Area139-Oakleaf/Orange Park/NW Clay County

SubdivisionSpencers Plantation

CityOrange Park

CountyClay

StateFL

Zip Code32073

Lot Size9,147.6 sq ft

Parcel Number03042500786400918

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level