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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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Sold

Sold·Closed Aug 10, 2026·7 days on market

2654 Big Sur Avenue

Orange Park, FL 32065

$270,000sold priceListed at $265,000 · 101.9% of asking$229/sqftMLS# 2152646
3
Beds
2
Baths
1,180
Sq Ft
1990
Built
1
Garage
No
Pool
FEMA Zone XNo HOA6,098 sqft lotSingle Family Residence2 stories

About this home

Orange Park

Step into your fairytale home. This home has been loved and cared for inside and out. This home has been updated with roof, HVAC, water heater. Owner has upgraded lighting with sparkly chandeliers, renovated kitchen to solid granite counters, soft close cabinets, and tile backsplash and reverse osmosis under kitchen sink. Breakfast nook reformatted to be a cute office nook to take advantage of the space. New LVP flooring in home and new vanity in primary bathroom. Primary bedroom is downstairs and 2 guest bedrooms upstairs. This large corner lot has been meticulously thought out. Walking through your backyard is like walking through a calming fairytale. With wooden pergola with shade cover, jasmine vines extending with shade watered by a custom drip system, fruit trees and raised garden beds and a dedicated playground with rubber mulch and the back and side yard are fully fenced. This location gets you close to SR23, Fleming Island backroads, or back up to Orange park for fitness

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,496
Property taxesest. at asking price, Clay County$414
Estimated total, before insurance$1,909/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,649/yr · $221/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

$270,000
$54,000
Loan Term
Monthly Payment
$1,496
Principal & Interest: $1,496
Property taxes (est.): $414
Insurance (est.): $180
Estimated Total Monthly
$2,089
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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 — year not disclosed (home built 1990)

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: ~1,575 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.

Cost to own

Taxes & assessment

Last sold: $204,200 in February 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$200,636$139,615—
2024$189,279$134,973—
2023$179,586$129,586—
2022$159,238$74,940—
2021$124,205$71,301—
2020$120,833$69,627—

2025 property taxes (current owner): $2,649/yr

Estimated taxes if purchased at asking price: ~$5,000/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 11, 2026Closed$265,000
  • Jul 10, 2026Active Under Contract$265,000
  • Jul 3, 2026Listed$265,000

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 $191/sq ft; this home is listed at $225/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1344 Bay Hill Boulevard B, Orange Park, FL 32065Listed by KELLER WILLIAMS FIRST COAST REALTYAug 2026$150,000$1333/21,12410.1
3608 Fortuna Drive, Orange Park, FL 32065Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$309,900$2233/21,392380.3
387 Parkridge Avenue, Orange Park, FL 32065Listed by LPT REALTY LLCAug 2026$130,000$1073/21,2161060.5
2773 Winchester Avenue, Orange Park, FL 32065Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$195,000$1463/21,338270.8
1563 Graduation Lane, Middleburg, FL 32068Listed by ENDLESS SUMMER REALTYJul 2026$258,500$1913/21,35401.1
1662 Sandy Hollow Loop, Middleburg, FL 32068Listed by INI REALTYJul 2026$285,000$2053/21,387151.2

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.

Features

Price$265,000
Price / Sq Ft$225
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,180
Acres0.14 acres
Year Built1990
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

ElementaryLakeside
MiddleLakeside

Community Information

Address2654 Big Sur Avenue, Orange Park, FL 32065
Area138-Tanglewood
SubdivisionBayhill
CityOrange Park
CountyClay
StateFL
Zip Code32065
Lot Size6,098.4 sq ft
Parcel Number40042502067305308
ZoningResidential

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDisposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryIn Garage

Exterior

Lot DescriptionCorner Lot
FencingBack Yard, Vinyl
RoofShingle
ConstructionVinyl Siding

Additional Information

Date ListedJuly 3, 2026
Days on Market7
Tax Amount$2,648.77
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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