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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 Sep 25, 2026·38 days on market

398 Willow Green Drive

Orange Park, FL 32073

$269,900sold priceListed at $269,900 · 100% of asking$182/sqftMLS# 2152968
3
Beds
2
Baths
1,486
Sq Ft
1995
Built
2
Garage
No
Pool
FEMA Zone XHOA $18/mo10,019 sqft lotSingle Family Residence1 story

About this home

Orange Park

Move in ready brick front home in a great community. As you step inside, you are greeted by an expansive living room featuring high ceilings and a seamless flow into a formal dining room that can easily be used as an office or play room. Large kitchen fully equipped with a suite of stainless steel appliances, white cabinetry, a spacious pantry, and a breakfast bar that overlooks the main living area. The primary suite features a private en-suite bathroom and generous closet space. Dedicated laundry area with washer and dryer hookups and 2-car garage add to the home's everyday convenience. Outside, French doors lead to a private, fenced backyard with a concrete patio, and the community offers wonderful amenities, including a children's playground. Located near shopping, restaurants, schools and major highways with no CDD fees.

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$1,495
Property taxesest. at asking price, Clay County$414
HOAbilled annually$18
Estimated total, before insurance$1,926/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,110/yr · $342/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

$269,900
$53,980
Loan Term
Monthly Payment
$1,495
Principal & Interest: $1,495
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 1995)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer (public record)

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: ~1,729 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: $275,000 in April 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$245,988$245,988—
2024$245,198$245,198—
2023$235,108$235,108—
2022$208,898$178,962—
2021$162,693$162,693—
2020$153,560$153,560—

2025 property taxes (current owner): $4,110/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

  • Sep 26, 2026Closed$269,900
  • Aug 6, 2026Active Under Contract$269,900
  • Jul 31, 2026Price change$269,900−$10,000
  • Jun 29, 2026Listed$279,900

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 $188/sq ft; this home is listed at $182/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
342 Wildberry Court, Orange Park, FL 32073Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$299,900$2053/21,462680.1
473 Thornberry Road, Orange Park, FL 32073Listed by JOSEPH WALTER REALTY LLCSep 2026$261,864$1533/21,708360.3
3412 Deerfield Pointe Drive, Orange Park, FL 32073Listed by COLDWELL BANKER VANGUARD REALTYAug 2026$323,340$2053/21,576200.4
674 Scarlet View Court, Orange Park, FL 32073Listed by CROSSVIEW REALTYSep 2026$308,000$1883/21,634810.5
700 Scarlet View Court, Orange Park, FL 32073Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$305,000$1813/21,681290.6
736 Bellshire Drive, Orange Park, FL 32065Listed by REAL BROKER LLCAug 2026$298,000$1684/21,770230.7

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$269,900
Price / Sq Ft$182
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,486
Acres0.23 acres
Year Built1995
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address398 Willow Green Drive, Orange Park, FL 32073
Area139-Oakleaf/Orange Park/NW Clay County
SubdivisionSpencer Crossing
CityOrange Park
CountyClay
StateFL
Zip Code32073
Lot Size10,018.8 sq ft
Parcel Number04042500786700902

Amenities

UtilitiesElectricity Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Electric Range, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Garage, Washer Hookup

Exterior

FencingBack Yard
RoofShingle
ConstructionBrick, Frame

Additional Information

Date ListedJune 29, 2026
Days on Market38
HOA Fees$210 / Annually
HOA FrequencyAnnually
Tax Amount$4,109.89
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HOUWZER, INC.

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 Sep 25, 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.

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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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